AI threatens software models - Borrowers account for 17% of outstanding tech loans
Software companies are facing higher borrowing costs and stricter scrutiny from lenders as growing pressure from artificial intelligence threatens their business models, market experts say.
Across the globe, software firms have halted fundraising as lenders and investors turn to AI replacements. These concerns have been highlighted in credit markets, where spreads for riskier companies predict more defaults.
“We expect the risk of disruption from artificial intelligence to be increasingly reflected during 2026 to early 2027, especially for low-quality sectors with high refinancing needs,” said Swiss bank UBS. “The risk is highly concentrated in the US,” they added.
Even those companies whose debt is considered higher quality and less susceptible to the impact of AI are being held back from accessing the market until they see a recovery, one banker said.
Technology industry borrowers, 60% of which are software, account for the largest share of debt-based loans, according to experts. Technology loans also represent 17% of outstanding loans, worth $260 billion.
In conclusion, US stocks have been significantly shaken by AI, which is luring investors towards automation, as the software index has fallen by 20% during 2026.
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