How much cheaper is FC borrowing really?

After full hedging, savings of 1–2% are typical; with partial or natural hedges, 2–4% — we model your true all-in cost honestly.

What is an FCNR(B) loan?

Foreign currency loans from Indian banks funded by FCNR deposits — offshore pricing with onshore documentation simplicity.

What can ECB proceeds be used for?

Capex, refinancing of eligible debt and working capital under specified routes — we map your use to the framework.

Is hedging mandatory?

For many ECB categories, yes (typically 70%+); exporters may offset with natural hedges under policy.

What tenors do FC loans carry?

Buyer's credit up to 1–3 years; ECBs commonly 3–7 years minimum average maturity by category.

Can mid-size companies access this?

Yes — from $3M upward, especially import-linked credit and FCNR(B) routes.

LOANYARD CAPITALFunding your ambitions

Home / Foreign Currency Funding

Borrow Global, Grow Local

ECBs, FCNR(B) loans, buyer's credit and offshore facilities — dollar-linked capital that can cut borrowing costs by 200–400 bps for the right borrower.

Funding Amount

$3M – $200M

Approval Timeline

4–10 weeks

Pricing

SOFR-linked

About Foreign Currency Funding

For companies with export earnings or the discipline to hedge, foreign currency borrowing offers structurally cheaper capital: SOFR-linked pricing frequently lands 200–400 basis points below equivalent rupee debt. The complexity lies in RBI's ECB framework, hedging economics and choosing the right route.

LOANYARD CAPITAL structures the complete FC toolkit — External Commercial Borrowings, FCNR(B) loans from Indian banks, buyer's and supplier's credit for imports, and offshore facilities from foreign branches — managing regulatory compliance, hedging strategy and all-in cost comparisons.

Key Benefits

All-in costs often 2–4% below rupee debt

Natural hedge utilisation for exporters

ECB routes for capex and refinancing

FCNR(B) loans without offshore documentation

Buyer's credit for import flows

Full RBI/FEMA compliance management

Who Should Apply

Exporters with natural currency hedges
Importers of machinery and materials
Corporates refinancing rupee debt
Companies with overseas parent/group support

Eligibility

Eligible borrower status under ECB framework
Hedging policy or natural hedge
Financials supporting external rating/appetite
End-use within permitted categories

Documents Required

KYC of promoters and business entity
Last 2–3 years financial statements / ITRs
Last 12 months bank statements
GST returns where applicable
Existing loan sanction letters and repayment track
Requirement-specific documents (we guide you)

Industries Served

ExportersPharmaChemicalsEngineeringTextilesAuto Components

Our Process

Consultation

We understand your requirement, financials and timelines.

Structuring

Our analysts prepare a lender-grade proposal.

Placement

Competitive placement across best-fit lenders.

Negotiation

Amount, pricing, tenure and covenants negotiated.

Disbursement

Documentation to disbursal, managed end to end.

Why LOANYARD CAPITAL

15+ Years

Advisory Experience

500+

Corporate Clients

100+

Lending Relationships

Pan-India

Coverage

Frequently Asked Questions

Ready to Discuss Your Foreign Currency Funding Requirement?

Speak to a corporate finance specialist today. No fees for consultation — only structured, honest advisory.