CA India K T S S & Company LLP

Financial Services

Financial planning, modelling, budgeting and preparation of CMA data and project reports for lending proposals.

Lenders and investors assess a proposal on the quality of its numbers and the assumptions behind them. We prepare financial models, projections, budgets and the CMA data and project reports that banks require for working capital and term loan applications, and advise on the financial implications of business decisions before they are made.

Financial Services Services

Financial Planning Structured review of cash flows, obligations and objectives, and a plan that reconciles the three. Investment Consulting Analysis of investment options against stated objectives, time horizon and the tax treatment of each. Advisory only; we do not distribute financial products. Financial Modelling Build-up of projection models with the assumptions stated explicitly, so a lender or investor can test them. Budgeting Preparation of operating budgets and periodic comparison of actual performance against them. CMA Data / Project Reports Preparation of Credit Monitoring Arrangement data and project reports in the format banks require for credit appraisal.

Frequently Asked Questions

Credit Monitoring Arrangement data presents your past and projected financials in a standard format banks use for credit appraisal - fund flow, working capital assessment, ratio analysis and projections. Lenders ask for it because it makes proposals comparable across applicants.

No. Our role is advisory: we analyse options against your objectives and the tax treatment of each. We are not distributors and do not earn commission on any product, which is what keeps the analysis independent.

Historical financial statements for the last two to three years, current order book or revenue pipeline, cost structure, planned capital expenditure and existing loan obligations. The quality of a model is bounded by the quality of these inputs.

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