● Trusted format used by every bank

Your bank-ready CMA report
in minutes — almost free.

Banks demand a CMA (Credit Monitoring Arrangement) statement for every business loan. CAs charge ₹5,000–₹25,000 for it. Enter a few basic numbers and we generate the full, compliant Excel — for the cost of a chai.

I agree to the Terms & Conditions

✓ DSCR, D/E, Current Ratio auto-computed ✓ Download-ready Excel

Projected snapshot

All ratios ✓ compliant

DSCR (Yr 1)

1.31≥1.25 ✓

Current Ratio

1.34≥1.20 ✓

D/E (Adjusted)

2.08<3 ✓

Net Profit

Positive✓

Projected sales — 6 year trend

₹49 vs ₹5,000+ at a CA

Three steps. No accounting knowledge needed.

You give simple numbers you already know. Our engine builds the full projected P&L, balance sheet and ratios the bank expects.

Sign in with Google

One tap. No passwords, no paperwork. Your saved CMAs are always in your account.

Enter a few details

Loan amount, CC limit, sales, interest rates, property & assets, tenure, moratorium. Add any special bank condition in plain words — AI handles it.

Download your CMA

Get a clean Excel + dashboard. Every ratio is auto-tuned to stay bank-acceptable (DSCR ≥ 1.25, CR ≥ 1.20, D/E in range).

Built on a validated financial engine.

The same model was tested on 100 different loan scenarios (₹50L–₹5Cr) — every ratio the bank checks passed in all 10 projected years.

✓DSCR ≥ 1.25 every year, never negative net profit.
✓Current Ratio ≥ 1.20, D/E adjusted < 3, D/E quasi < 2.
✓Debtor & creditor days ≤ 90, balance sheet always ties out.
✓PBDIT % is honoured exactly as you enter it.

100

scenarios tested

100%

ratios compliant

failures

“Every user input flows into a projected P&L, balance sheet, MPBF and DSCR schedule — exactly the tabs your bank officer opens.”