CMA Data Excel Template for Bank Loan & Credit Proposals
Prepare structured CMA data with Balance Sheet, P&L, Working Capital, MPBF, Fund Flow and Financial Ratios in one professional Excel template for bank credit assessment.
Why Do Banks Require CMA Data?
Banks use CMA data for bank loans and working capital finance to assess a business’s financial performance, working capital requirement and projected financial position. It helps the lender review the borrower’s existing and proposed bank finance before taking a credit decision.
CMA data also provides a structured view of sales, profitability, current assets, current liabilities, working capital, MPBF and financial ratios, making it easier to evaluate the business’s credit requirements.
What Does CMA Data Include?
CMA data for bank finance brings together key financial information required to assess a business’s credit and working capital requirements. A typical CMA report includes:
- Balance Sheet – Historical, estimated and projected financial position.
- Operating Statement – Sales, expenses, profitability and cash accruals.
- Current Assets & Liabilities – Inventory, receivables, creditors and other working-capital items.
- Working Capital Assessment – Calculation of the business’s working capital requirement.
- MPBF – Assessment of Maximum Permissible Bank Finance.
- Fund Flow Statement – Sources and applications of funds.
- Financial Ratios – Key indicators of liquidity, profitability and financial strength.
This structured information helps banks evaluate the financial performance, working capital requirement and proposed credit facilities of the business.
CMA Data Excel Template – What’s Included?
This CMA Data Excel Template brings Balance Sheet, Operating Statement, working capital assessment, MPBF, fund flow and financial ratios together in one structured workbook for bank finance and credit analysis.
CMA Data Excel Template Features
A structured CMA Excel format designed to organise financial statements, working capital calculations and key credit analysis in one practical workbook.
Company & Financial Setup
Enter company details, financial periods and key assumptions required for preparing the CMA data.
Balance Sheet Analysis
Organise historical, estimated and projected assets, liabilities, net worth and borrowings.
Operating Statement
Present sales, operating expenses, profitability and other key financial performance information.
Working Capital Assessment
Analyse current assets, current liabilities and the working capital requirements of the business.
MPBF Calculation
Review Maximum Permissible Bank Finance as part of the working capital and bank finance assessment.
Fund Flow & Financial Ratios
Review sources and applications of funds along with key liquidity, leverage and profitability indicators.
How to Use the CMA Data Excel Template
Follow a structured workflow to enter financial information, prepare projections, assess working capital and review the key figures required for bank finance analysis.
Enter Company Details
Start with the company information, financial periods and relevant assumptions in the setup section.
Enter Financial Data
Enter historical and estimated financial information including the Balance Sheet and Operating Statement.
Assess Working Capital
Review current assets, current liabilities, working capital requirements and MPBF calculations.
Review CMA Analysis
Check fund flow, financial ratios and the consolidated bank summary before using the CMA data.
Important Checks Before Bank Submission
Before sharing CMA data with the bank, review the key financial figures, assumptions and calculations to ensure that the information is consistent and properly presented.
Check Balance Sheet
Ensure total assets and liabilities are balanced and the financial figures are properly reconciled.
Review Financial Projections
Check projected sales, expenses, profitability and other assumptions for consistency with the business plan.
Validate Working Capital
Review inventory, receivables, creditors and other current assets and liabilities used in the assessment.
Review MPBF Calculation
Check the Maximum Permissible Bank Finance calculation and ensure the proposed bank finance is properly presented.
Analyse Financial Ratios
Review liquidity, leverage, profitability and other important financial indicators.
Reconcile Bank Facilities
Verify existing and proposed borrowing details against the financial statements and credit requirements.
Download CMA Data Excel Template
Get a structured CMA report format in Excel for organising financial statements, working capital assessment, MPBF, fund flow and financial ratios for bank finance and credit analysis.
Frequently Asked Questions About CMA Data
Find quick answers to common questions about CMA data, CMA Excel formats, bank finance, working capital assessment and the CMA workbook.
What is CMA data?
CMA data, or Credit Monitoring Arrangement data, is a structured financial statement used by banks to assess a business’s financial position, working capital requirements, projected performance and credit facilities.
What is a CMA Data Excel Template?
A CMA Data Excel Template is a pre-structured Excel workbook used to organise the financial information required for CMA preparation. It can include Balance Sheet, Operating Statement, working capital assessment, MPBF, fund flow and financial ratio analysis.
What is CMA data used for in bank loans?
CMA data is used by banks to evaluate a borrower’s working capital requirement, existing and proposed bank finance, financial performance and projected financial position when assessing credit facilities.
What is included in a CMA report?
A typical CMA report includes comparative Balance Sheet, Operating Statement, current assets and liabilities, working capital assessment, MPBF, fund flow statement and financial ratios, along with relevant banking information.
Can CMA data be prepared in Excel?
Yes. CMA data can be prepared in Excel using a structured CMA format. Excel is useful for organising historical and projected financial information and performing working capital, MPBF and ratio calculations.
Is this a free CMA Excel template?
Yes, this page provides a free CMA Excel template that can be used as a structured starting format for CMA data preparation and financial analysis.
Can this CMA Excel format be used for a bank loan?
The template can be used to organise financial information for bank loan and working capital finance proposals. However, the exact CMA format and supporting information required may vary by bank, facility and borrower.
What is MPBF in CMA data?
MPBF means Maximum Permissible Bank Finance. It represents the bank finance that may be assessed against the borrower’s working capital requirement under the applicable lending assessment methodology.
Should CMA data be checked before submitting it to a bank?
Yes. Before submission, review the Balance Sheet, projected financial figures, working capital assumptions, MPBF calculation, financial ratios and existing or proposed bank facilities for consistency with the underlying financial records.
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Disclaimer
This CMA Data Excel Template is provided for educational, analytical, financial planning and business management purposes only. The template uses user-entered business and financial information, historical and projected financial data, sales and expense assumptions, current assets and liabilities, working capital requirements, bank finance details, MPBF-related inputs, fund flow information, financial ratios and other relevant inputs to organise and present indicative CMA data and credit analysis.
The financial statements, working capital assessment, MPBF calculations, fund flow information, financial ratios, projected figures, bank finance requirements and other information generated or presented by the template are based on the assumptions and data entered by the user and may not reflect the actual financial position, credit assessment or lending decision of any bank or financial institution. Users should independently verify financial statements, projections, working capital assumptions, borrowing details, MPBF calculations, financial ratios and other relevant information against their underlying records before relying on the results. Actual credit requirements, bank finance, financial performance and lending decisions may vary depending on the borrower’s circumstances, lender requirements, financial position, business performance, market conditions and applicable lending policies. The template does not constitute financial, accounting, credit, tax, legal or professional advice, and users remain responsible for reviewing the information and determining its suitability for their specific requirements and bank submission.