A Credit Monitoring Arrangement (CMA) report is a mandatory 5-year financial analysis used by banks to evaluate loan eligibility, featuring seven key interlinked statements. Excel templates are utilized for calculating critical metrics like MPBF and ratio analysis to ensure data accuracy for credit proposals. For detailed guides on creating these reports, visit Fortrisk Consulting . FORMAT OF CMA DATA IN EXCEL - Pro-Formats
Adjust cell references based on your actual rows.
A Credit Monitoring Arrangement (CMA) data report is a critical financial document required by banks and financial institutions for evaluating and approving business loans. Compiling this information manually can be overwhelming, but utilizing Microsoft Excel simplifies the process, ensures mathematical accuracy, and presents your financial health professionally to lenders. What is a CMA Data Report? cma data report in excel format
=SUM(Current_Assets) / SUM(Current_Liabilities) Debt-Equity Ratio: =Total_Long_Term_Debt / Total_Net_Worth
Your Fund Flow statement and Balance Sheet sheets must match perfectly. If your projected balance sheet does not balance ( Assets <> Liabilities + Equity ), the banking software will flag the report as corrupted or inaccurate. Common Mistakes to Avoid in Excel A Credit Monitoring Arrangement (CMA) report is a
This section tracks the actual movement of money into and out of the business. It separates the sources of funds (profits, new capital, loans raised) from the uses of funds (asset purchase, loan repayment, losses) to ensure loans are not being diverted. 7. Ratio Analysis & Critical Financial Metrics
When projecting for the next 3 years, use realistic growth percentages (e.g., 10-15%). Sudden 100% jumps in revenue without a clear expansion plan will trigger red flags. FORMAT OF CMA DATA IN EXCEL - Pro-Formats
Cross-check that the Profit & Loss statement ties into the Balance Sheet and that the Fund Flow statement reconciles. Conclusion
A professional CMA report generally consists of the following seven forms or statements: