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Step-by-step guide to preparing a comprehensive Credit Monitoring Arrangement (CMA) report for bank loan applications using Finxora's automated CMA software.

You will need

• Balance sheets for the last 3 years
• Profit & loss statements
• Bank statements
• Income tax returns

1. 1Gather the required documentsCollect balance sheets for the last three years, profit & loss statements, bank statements and income tax returns.
2. 2Enter the historical yearsKey in the audited and provisional figures, or pull them from a balance sheet you have already prepared in Finxora.
3. 3Set the projection assumptionsSet sales growth, margins, the working capital cycle and existing loan details — or let Generate with AI estimate them from your firm and industry, then adjust anything you disagree with.
4. 4Review the auto-calculated ratios and MPBFFinxora calculates 50+ financial ratios, the fund flow statement and the maximum permissible bank finance. Review and adjust where needed.
5. 5Download the bank-ready reportExport the CMA report as a formatted PDF, ready for submission to the bank.

Step-by-step guide to preparing a bank-ready project report with financial projections, DSCR and break-even analysis using Finxora's project report software.

You will need

• Promoter and business details
• Project cost estimates and quotations
• Means of finance and loan terms
• Revenue and expense assumptions

1. 1Enter the business and promoter profileAdd the constitution, activity, location and promoter details of the unit. Finxora's AI drafts the introduction and project narrative from these.
2. 2Capture the project cost and means of financeList land, building, plant and machinery and working capital against the promoter contribution, term loan and any subsidy.
3. 3Set the revenue and expense assumptionsEnter installed capacity, utilisation, selling price and the direct and indirect expenses for each projected year.
4. 4Review the projected statementsFinxora generates the operating statement, projected balance sheet, cash flow, EMI schedule, DSCR, ratio analysis and break-even point from those inputs.
5. 5Download the project reportExport the complete project report as a formatted PDF for the bank, scheme application or investor.

Step-by-step guide to preparing a schedule-wise balance sheet with profit & loss account, depreciation chart and ratio analysis using Finxora's balance sheet software.

You will need

• Trial balance or books of account
• Fixed asset and depreciation details
• Loan and capital account details

1. 1Set up the entity and financial yearsEnter the firm's details and choose the years to be prepared — audited, provisional or projected.
2. 2Enter the trial balance figuresPost the grouped balances for assets, liabilities, income and expenses. Finxora arranges them into the correct schedules.
3. 3Add fixed assets and depreciationMaintain the fixed asset schedule; Finxora computes depreciation and carries the written-down values into the balance sheet.
4. 4Review the statements and ratiosCheck that the balance sheet tallies, then review the profit & loss account, capital account and ratio analysis Finxora produces.
5. 5Download or reuse the statementExport a print-ready PDF, or carry the figures into a CMA report or project report without re-entering them.