Business Plan & Projections
The projected statements a bank or a scheme asks for.
A term loan or working capital application needs projected profit and loss, balance sheet and cash flow, usually in the CMA format the bank specifies. Most rejections at the credit stage are about the projections rather than the business.
The projections have to reconcile to something. A revenue line that triples with no corresponding increase in working capital, or a DSCR that only works because interest was omitted, is what a credit officer looks for first.
We build them from your actual historicals and assumptions you can defend in the interview, and set out the assumptions explicitly rather than burying them.
What is included
- Projected P&L, balance sheet and cash flow
- CMA data in the bank's format
- Ratio analysis — DSCR, current ratio, TOL/TNW
- Written assumptions and a sensitivity case
What we need from you
- Financial statements for the last two or three years
- Existing loan and repayment schedules
- Details of the proposed project and its cost
- Order book or pipeline evidence, where available
Questions
What is CMA data?
Credit Monitoring Arrangement data — the standard format Indian banks use for working capital and term loan appraisal. It sets out past and projected financials with the ratios a credit officer assesses, and most banks will not process an application without it.
Also in Compliance & payroll
Talk to us
Get started with Business Plan & Projections
Tell us a little about the business and a chartered accountant will call you back. You will get a firm quote before any work begins.
- A qualified accountant on the call, not a call centre
- A firm quote before any work begins
- Your details are never sold or shared