Business Loan
Loans for traders, shop owners, manufacturers and service businesses to grow or run the business, through our partner banks and NBFCs.
Loans
Bank-ready project reports, CMA data and projected financials for business loans, CC limits, Mudra, machinery loans and government schemes.
- Loans
- Usually 3 to 7 working days after all figures are received*
About Project Report and CMA Data for Bank Loans
Banks and NBFCs ask for a project report or CMA data before they lend to a business. These documents show what the money is for, how the business will earn and how the loan will be repaid, with projected balance sheets, profit and loss and cash flow.
Our team, supported by a practising Chartered Accountant, prepares the report from your real figures and plans, in the format the lender expects. We explain each number to you so you can answer the bank’s questions with confidence.
What We Prepare
Choose what your lender has asked for.
Project report
Business profile, project cost, means of finance, projections and repayment plan.
CMA data
Past, current and projected financials in the CMA format for working capital limits.
Detailed project report (DPR)
In-depth report for larger projects and scheme applications.
Projected financials
Projected balance sheet, profit and loss and cash flow for 3 to 7 years.
Who Needs This Service
- New businesses applying for a term loan, Mudra loan or machinery loan
- Running businesses applying for a new or higher CC or OD limit
- Units applying for government schemes that need a project report
- Owners who want a clear financial plan before investing their own money
Key Benefits
Lender-ready format
Reports prepared in the structure banks commonly ask for, including CMA forms.
Based on real figures
Projections built from your past accounts and realistic assumptions, never inflated numbers.
Ratios checked
Key ratios such as DSCR and current ratio are calculated and explained.
CA support
Prepared with the support of a practising Chartered Accountant.
Eligibility and Applicability
- Term loans, machinery loans and business expansion loans
- Cash credit (CC), overdraft (OD) and working capital renewals
- Mudra and other government-backed loan schemes
- Subsidy and incentive scheme applications that require a report
The lender decides the format and the loan. A project report supports your application but does not guarantee approval.
Documents Commonly Required
Business details
- KYC and registration of the business
- Description of the project, products and customers
- Quotations for machinery, equipment or construction
Financials
- ITR and audited or provisional accounts for the last 2 to 3 years (running business)
- Current year sales and stock figures
- Details of existing loans and limits
Document requirements can vary with the lender, product and your profile. We confirm the exact list before you visit. Never share OTPs or passwords with anyone.
Step-by-Step Process
Understand the requirement
We note the loan type, amount and the lender’s format.
Collect figures
You share past accounts and plans; we discuss the assumptions with you.
Draft the report
We prepare the report, CMA data and projections.
Review with you
We walk you through every number and update anything that needs a change.
Final copy
You receive the final report in PDF and Excel for the lender.
Estimated Timeline and Fees
Estimated timeline
Usually 3 to 7 working days after all figures are received
Detailed project reports for larger projects can take longer.
Our service fee
Our fee depends on the type of report and the size of the project. You receive a written quote before we start.
Lender / third-party charges
No government fee is involved in preparing a report.
* Timelines are indicative. They can change because of document verification, queries raised by the authority and government processing times, which are outside our control. Approval is decided by the relevant authority under applicable rules.
Common Mistakes to Avoid
- Using projections that do not match past performance
- Leaving out existing loans and EMIs
- Copying a template report that does not fit your business
- Not being able to explain the numbers in the bank meeting
Frequently Asked Questions
What is CMA data?
CMA (Credit Monitoring Arrangement) data is a set of forms showing past, current and projected financials. Banks use it to assess working capital limits such as CC and OD.
Will a project report get my loan approved?
No report can guarantee approval. The lender decides based on its policy. A clear, realistic report helps the lender understand your case and can avoid delays.
Do you prepare reports for new businesses?
Yes. For a new business we build projections from your plan, quotations and market details, and explain the assumptions clearly.
Can you also arrange the loan?
Yes. We can help you apply with our partner banks and NBFCs. See our Business Loan and CC Loan services.
Related Services
You May Also Need
CC Loan (Cash Credit) for Working Capital
Help getting a cash credit (CC) limit from a bank to run day-to-day business, with interest paid only on the amount you use.
Mudra Loan for Small Businesses
Help applying for a loan under the Pradhan Mantri Mudra Yojana (PMMY) for small shops, traders, service businesses and micro enterprises.
Talk to Our Team
Have a Question About Project Report & CMA?
Call, WhatsApp or visit our office. We will explain what applies to you, the documents needed and all charges before you decide.
- Callback during office hours
- Written quote before any work begins
- No obligation to proceed
Speak to an expert
Tell us what you need. We will explain the documents, process and fees before you decide.
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