Working capital with FX consideration for IT exporters, ECB for natural-hedge USD revenue businesses, and venture debt for growth-stage SaaS companies. Pan-India IT services hub coverage.
BIG LOANS arranges ₹100 crore-and-above debt for Indian IT services, ITES (BPO/KPO), and SaaS product companies. The defining characteristic of this sector is high USD revenue concentration — most IT services and SaaS companies have 60-90% FX revenue from US, Europe, Asia-Pacific clients. This makes ECB particularly attractive — typically 100-300 bps cheaper than equivalent rupee debt for natural-hedge borrowers. Other common products: working capital with multi-currency structures; venture debt with warrants for growth-stage SaaS companies; LRD on company-owned campus offices.
IT and SaaS exporters have natural FX revenue match — 60-90% USD revenue is typical. This makes ECB structurally favourable: SOFR + 150-300 bps in USD equivalent is typically 100-300 bps cheaper than rupee debt at 9-11%. Foreign banks (StanChart, HSBC, DBS, Citi) are heavily active for ECB origination in Bengaluru, Hyderabad, Pune, Chennai.
For growth-stage SaaS companies with strong recurring revenue (ARR) but not yet profitable, venture debt is the appropriate product — typically structured as NCDs or term loans with equity warrants. Trifecta, Stride, Alteria Capital are the most active venture-debt providers.
Common funding situations across IT, ITES and SaaS.
Multi-currency structure for IT services with 60-90% USD revenue. Working capital + ECB tranche, ₹100 Cr to ₹1,000 Cr equivalent.
Refinancing existing rupee debt into ECB at lower pricing. 100-300 bps savings typical for natural-hedge borrowers.
Growth-stage SaaS with ARR but not profitable. Term loan / NCD with equity warrants, sized to milestones.
New campus construction or major capacity addition for IT services companies. Term loans / project-style finance.
Working capital for BPO/KPO with extended customer payment terms (90-150 days from US/EU clients).
Promoter funding for IT founders against listed shares (post-IPO) or pre-IPO structured deals.
IT/SaaS has unique product fit driven by FX revenue and growth-stage characteristics.
IT/SaaS lending has a distinct lender mix — foreign banks dominate ECB; venture debt funds dominate growth-stage; banks for established players.
StanChart, HSBC, DBS, Citi, MUFG, BNP — heavy ECB origination from Bengaluru and Hyderabad.
HDFC, ICICI, Axis, Kotak — competitive on rupee tranches and structured FX deals.
SBI, BOB, Indian Bank — active for established IT services (TCS, Infosys, Wipro tier).
Trifecta, Stride, Alteria Capital — dominant for growth-stage SaaS not yet profitable.
Active for larger growth-stage deals, pre-IPO bridge financing for SaaS unicorns.
Tech-promoter family offices — particularly active in promoter funding for post-IPO founders.
Same 5-stage process for any large-ticket corporate debt mandate, applied to it, ites & saas specifics.
NDA, then a short call to understand the business model, key financial drivers, capital need. Sector-specific risk factors mapped early.
Optimal facility mix, tenor, security. Lender shortlist tuned to sector appetite — banks for vanilla, NBFCs / AIFs for specialty structures.
Sector-grade Information Memorandum, financial model, market analysis. Pitched to shortlisted lenders in parallel.
Multiple sanctions negotiated in parallel on pricing, covenants, security. Final lender(s) selected.
Loan agreement, security creation, CPs satisfied, drawdown. Sector-specific compliances (RERA, FEMA, SEBI, etc.) handled along the way.
Share a one-page brief on your business and funding need. We respond within one working day with feasibility, structuring and lender shortlist tuned to your sector.