Disclaimer.

1. General disclaimer

The information provided on this website (bigloans.in) is for general informational purposes only. While BIG LOANS Capital Advisors LLP takes reasonable care to keep the information accurate and up-to-date, we make no representation, warranty, or guarantee — express or implied — about the completeness, accuracy, reliability, suitability, or availability of any information, products, services, or related graphics on this website.

Any reliance you place on such information is strictly at your own risk.

2. Not personalised financial advice

Nothing on this website constitutes personalised financial, legal, tax, accounting, regulatory, or investment advice. The information is general, illustrative, and not tailored to your specific circumstances.

Before making any financial or business decision based on information contained on this website, you should obtain independent professional advice from a qualified financial adviser, tax adviser, lawyer, or chartered accountant, as appropriate to your situation.

3. BIG LOANS is an advisor, not a lender

All loans, credit facilities, sanctions, and disbursements are provided directly by the respective banks, NBFCs, AIF credit funds, or other regulated lenders — each of which makes its own credit decision based on its own credit policy, regulatory framework, and risk appetite.

BIG LOANS does not control, and cannot guarantee, any lender's decision, approval, pricing, or timeline.

4. No guarantee of loan approval

BIG LOANS does not guarantee that any loan application introduced through us will be approved by any lender. Lender approval depends on multiple factors including:

• The lender's internal credit policy
• Your business' financial profile, credit history, and projections
• The quality and adequacy of the security/collateral offered
• Sector and regulatory considerations applicable at the time
• The lender's exposure to your sector or counterparty
• Prevailing market conditions and interest rates

Past engagements or sanctions are not indicative of future outcomes for any other applicant.

5. Indicative pricing & terms

Any indicative pricing, tenors, LTV ratios, DSCR requirements, ticket-size ranges, or other commercial terms shown anywhere on this website are illustrative ranges based on historical observation across the Indian debt market. They are not binding offers from any lender.

Actual pricing, tenor, security requirements, and other terms for any specific transaction will be determined solely by the lender's credit committee at the time of sanction, and may differ materially from any figures shown on this website.

6. Calculator outputs are estimates

The calculators on our Calculators page (EMI, DSCR, LTV, eligibility) are provided as back-of-envelope estimation tools only. The outputs are based on simplified mathematical formulas and the inputs you provide.

• The calculators do not account for prepayment penalties, processing fees, taxes, insurance, or other charges that may apply to your actual loan
• Actual EMI, DSCR, or eligibility may vary based on lender-specific factors not captured in the calculator
• Calculator outputs do not constitute a loan offer or commitment

7. Tax and legal implications

The information on this website does not address tax or legal implications specific to your circumstances. Borrowing structures — particularly cross-border debt (ECB), mezzanine, NCDs, and acquisition finance — may have material tax, accounting, and regulatory implications.

You must consult qualified tax advisors and lawyers before finalising any debt transaction. BIG LOANS does not provide tax or legal advice.

8. External links

This website may contain links to third-party websites — for example, links to regulators (RBI, SEBI), lenders, partner websites, or other reference sources. These links are provided for convenience and informational purposes only.

BIG LOANS does not control, endorse, or assume responsibility for the content, accuracy, or practices of any linked third-party website. Use of any linked website is at your own risk and subject to the terms and privacy policies of that website.

9. Forward-looking statements

Some content on this website may contain forward-looking statements — for example, expected timelines for sanctions, market outlook, sector trends, or future developments. Such statements are based on current views and assumptions and involve known and unknown risks, uncertainties, and other factors that may cause actual results to differ materially.

BIG LOANS does not undertake any obligation to publicly update or revise any forward-looking statements.

10. Use of AI & market data

BIG LOANS may use artificial intelligence tools, financial models, and aggregated market data in the course of its analysis and advisory work. While we take reasonable care to verify outputs:

• AI-generated content may contain errors and should not be relied upon without independent verification
• Aggregated market data reflects historical observations and may not be predictive of future outcomes

11. No employer-employee or principal-agent relationship

Nothing in this website creates an employer-employee, partnership, joint-venture, or principal-agent relationship between you and BIG LOANS. Any engagement is on an independent professional services basis, governed by a separate engagement letter.

12. Severability

If any provision of this Disclaimer is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

13. Contact

For any questions regarding this Disclaimer, please contact legal@bigloans.in.