1. Acceptance of these Terms
These Terms of Use ("Terms") govern your access to and use of the BIG LOANS website (bigloans.in) and any services described thereon. By accessing this website or engaging BIG LOANS, you agree to be bound by these Terms and our Privacy Policy.
If you do not agree with these Terms, please do not use this website or our services.
2. About BIG LOANS
BIG LOANS Capital Advisors LLP is a corporate debt advisory firm registered in India. We arrange ₹100 crore-and-above corporate debt mandates by connecting eligible borrowers with banks, NBFCs, AIF credit funds and other regulated lenders.
Important. BIG LOANS is not a Non-Banking Financial Company (NBFC), bank, deposit-taking entity, or lender. We do not lend money. We are a debt advisor and operate as a Direct Selling Agent (DSA) empanelled with various lenders. All loan sanctions, disbursements and related decisions are made solely by the respective lenders at their discretion.
3. Services description
Our services include, but are not limited to:
- Debt structuring advisory
- Preparation of Information Memoranda and financial models
- Lender shortlisting, outreach, and term-sheet negotiation
- Documentation coordination through to first drawdown
- Sector- and product-specific advisory across the 12 product categories described on our website
Specific scope, deliverables, fees, and timelines for any engagement are governed by a separate written engagement letter between BIG LOANS and the client.
4. Eligibility & user obligations
To engage BIG LOANS for debt advisory services, you confirm that:
- You are at least 18 years of age and competent to contract under Indian law
- You have full authority to bind your business / organisation to these Terms and any subsequent engagement letter
- Your business meets our minimum ticket-size criteria (typically ₹100 crore or above)
- All information you provide to BIG LOANS is true, accurate, current and complete
- You will promptly notify BIG LOANS of any changes to material information provided
- You will not use our services to facilitate fraud, money laundering, or any unlawful activity
5. Confidentiality & NDAs
BIG LOANS treats all client information as strictly confidential. We require a mutual Non-Disclosure Agreement (NDA) to be in place before sharing any client information with any third-party lender or service provider.
You acknowledge that information shared with you by BIG LOANS — including indicative lender lists, structuring approaches, market intelligence, and pricing benchmarks — is similarly confidential and must not be disclosed to third parties without our prior written consent.
6. Fees & engagement
BIG LOANS typically charges:
- A modest engagement retainer, spread across the deal timeline
- A success fee contingent on actual sanction and drawdown, expressed as a percentage of the arranged debt amount (typically 25 to 200 basis points, varying by product and complexity)
Specific fee terms are set out in the engagement letter. We do not charge any fee in advance of mandate signing, except a small refundable retainer in certain cases. Any sourcing fee paid to BIG LOANS by a lender is disclosed to the client.
7. Intellectual property
All content on this website — including text, graphics, logos, illustrations, financial models, methodologies, and the BIG LOANS brand — is the intellectual property of BIG LOANS Capital Advisors LLP or its licensors, protected under Indian copyright, trademark and other applicable laws.
You may view, download, and print content from this website for personal, non-commercial reference only. You may not reproduce, republish, distribute, modify, or commercially exploit any content without our prior written permission.
Any financial models, Information Memoranda, or deliverables prepared specifically for a client engagement are governed by the relevant engagement letter's IP terms.
8. Disclaimers
The information on this website and in any unsolicited communications is provided for general informational purposes only and does not constitute personalised financial, legal, or tax advice. See our separate Disclaimer for full details.
We make no representation or warranty that:
- Any specific lender will approve your loan application
- Any indicative pricing or terms shown on this website will apply to your specific transaction
- Any timeline shown is guaranteed — actual timelines depend on lender response, your documentation readiness, and external factors
- The website will be uninterrupted, error-free, or free of viruses
9. Limitation of liability
To the maximum extent permitted by applicable Indian law:
- BIG LOANS' total aggregate liability for any claim arising out of or relating to use of this website or our advisory services shall not exceed the fees actually paid by you to BIG LOANS in the 12 months immediately preceding the claim
- BIG LOANS shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, loss of profits, loss of business opportunity, or loss of reputation
- BIG LOANS shall not be liable for any losses arising from lender decisions, regulatory changes, market conditions, or any cause beyond our reasonable control
10. Indemnification
You agree to indemnify, defend and hold harmless BIG LOANS, its partners, employees, and affiliates from any claim, loss, damage, liability, cost or expense (including reasonable legal fees) arising from:
- Your breach of these Terms
- Inaccurate or incomplete information provided by you to BIG LOANS or any lender
- Your violation of any applicable law or third-party rights
11. Termination
Either party may terminate an engagement in accordance with the relevant engagement letter. We reserve the right to terminate your access to this website at any time, with or without notice, for any reason — including, without limitation, breach of these Terms, suspected fraud, or violation of applicable law.
Termination does not affect provisions intended to survive termination, including confidentiality, intellectual property, indemnification, limitation of liability, and dispute resolution.
12. Governing law & jurisdiction
These Terms and your use of the BIG LOANS website are governed by and construed in accordance with the laws of India, without regard to its conflict-of-laws principles.
Subject to the dispute resolution provisions below, the courts at Mumbai, Maharashtra, India shall have exclusive jurisdiction over any matter arising out of or relating to these Terms.
13. Dispute resolution
In the event of any dispute or difference between BIG LOANS and you arising out of or in connection with these Terms:
- The parties shall first attempt to resolve the dispute amicably through good-faith discussion within 30 days.
- If unresolved, the dispute shall be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996, by a sole arbitrator mutually appointed by the parties. The seat and venue of arbitration shall be Mumbai; the language shall be English.
- The decision of the arbitrator shall be final and binding on both parties.
14. Changes to these Terms
BIG LOANS reserves the right to modify these Terms at any time, with changes effective from the date of posting on this website. Continued use of the website after modifications constitutes acceptance of the updated Terms. Material changes will be communicated to existing clients.