Project Finance, CMA Data and Loan Papers for MSMEs
Loan advice, CMA data and DPRs for the bank or lender you choose
We advise on the loan, credit-guarantee and interest-subsidy schemes that suit your project and prepare the CMA data, the DPR and the loan papers for the bank or lender you choose. The bank decides on the loan; we do not arrange loans or act for any lender. The DPR is priced on the DPR Only plan; CMA data on its own is quoted.
Who it is for
- MSMEs seeking a term loan for a new project or an expansion
- Businesses asking for a new or larger working capital limit
- Micro and small units that want a collateral-free loan under the CGTMSE guarantee
- Borrowers whose bank has asked for CMA data or a revised projection at renewal
- Units with several loans that want to understand restructuring options before speaking to their bank
What our expert team does
Finance plan
We look at the project cost, your own contribution and your existing loans, and set out the mix of term loan and working capital that fits, with the schemes that may apply: credit guarantees, interest subsidies and State incentives.
Scheme advice
We explain the CGTMSE guarantee, MUDRA for micro units and the interest-subsidy schemes in your State, so you can ask your bank for the right product and cover.
CMA data and projections
We prepare the CMA data: past and projected financial statements, the working-capital assessment and the ratios banks read, built from your books and the project numbers.
DPR and loan papers
We prepare the DPR and the papers your chosen bank or lender asks for, and check them against its checklist before you submit.
Bank queries
If the bank comes back with queries on the numbers, we revise the CMA data or the report and explain the changes to you.
What you receive
- A one-page finance plan with the schemes that may apply
- CMA data in the bank’s format
- The DPR, where the bank or a scheme needs one
- A checklist of the loan papers your chosen bank asks for
Documents needed
- Project cost break-up and machinery quotations
- Proof of the promoters’ contribution
- Details of existing loans and their sanction letters
- Financial statements for two to three years
- Bank statements for the last twelve months
- Business plan or DPR, if one exists
Timeline
| Step | Time |
|---|---|
| CMA data, once the documents are complete | 5–7 working days |
| DPR, once the documents are complete | 7–15 working days |
| Loan appraisal and sanction | Depends on the bank or lender |
Fee
DPR Only: from ₹18,000 + GST, with eligibility screening, scheme identification and one revision. CMA data and loan papers on their own: get a quote.
We advise and prepare papers; you apply to the bank or lender of your choice and the bank decides. We do not arrange loans, act for any lender or promise a sanction, a limit or a rate.
Frequently asked questions
Can I get a loan without collateral?
Often, yes. CGTMSE provides guarantee cover on loans up to ₹10 crore for eligible micro and small enterprises, and RBI’s directions ask banks not to take collateral on loans to micro and small enterprises of up to ₹20 lakh sanctioned or renewed on or after 1 April 2026. We advise on the schemes and prepare the papers; the bank decides.
What is CMA data and why does my bank want it?
CMA data is a standard set of past and projected financial statements and ratios that banks use to assess term loans and working-capital limits. It shows the bank how much working capital the business needs and whether the cash flow can carry the repayments.
Do you work for any bank or lender?
No. We prepare the papers for the bank or lender you choose, and the bank decides on the loan. We take no fee from any lender.
Can an interest subsidy reduce my loan cost?
Some State policies pay a part of the interest on term loans for eligible units for a set number of years. Whether one applies depends on your State, sector and project; the eligibility checker and our loans page for Haryana list the schemes we track.
How is the working-capital limit worked out?
Banks look at your current assets and current liabilities, the operating cycle and your margin. Our guide to working capital loans and CMA data explains the methods and what you can do to prepare.
Related tools and guides
Official sources this page relies on
Page checked on 10 November 2026.
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