Your client stays yours
A relationship-first engagement model designed to support—not compete with—our referring partners.
Refer a casePartner-led credit execution · Eastern India
You own the relationship.
We execute the deal.
We help financial professionals structure, place and close client requirements across loans, real estate, investment and insurance—through one accountable team.
YOUR FINANCIAL
GROWTH PARTNER
X
₹50 Cr+Disbursed per month
87+ yrsCombined experience
2025Founded in Kolkata
Built for professionals who own the client relationship
DSAs & loan advisorsChartered AccountantsReal estate professionalsBuilders & consultants
01 · Who we are
A trusted backend for financial execution.
Xpertaces Partners LLP is a Kolkata-based execution and advisory partner built for professionals who already hold the client relationship.
We bring lender access, credit understanding and disciplined follow-through into one accountable team—so partners can stay focused on their clients and core practice.
The Xpertaces partner promise
Credibility in front.
Execution behind it.
One accountable team
Case structuring, lender coordination and disbursement follow-through managed under one roof.
Experience at every step
Four co-founders bring 87+ years of combined banking, credit and mortgage experience.
02 · Capabilities
One platform. Multiple financing pathways.
From the first discussion to disbursement, we coordinate the financing, property and protection needs that arise across a client lifecycle.
Working Capital
Cash credit, overdraft and structured working-capital facilities aligned to the operating cycle.
Loan Against Property
Financing against residential, commercial and industrial property.
Home Loans
Purchase and construction finance for salaried and self-employed borrowers.
Business & Unsecured Loans
Fast-turnaround funding for business requirements and growth.
Structured Finance
Term loans, project finance, capex and capacity-expansion debt.
Real Estate Advisory
Transaction support, due diligence and a financing-led perspective.
Investment
Goal-led investment conversations for eligible partner clients.
Insurance
Protection planning aligned with family and business risks.
03 · Lender ecosystem
The right case deserves the right lending pathway.
Xpertaces works across a broad lending ecosystem and evaluates each requirement by borrower profile, purpose, security, financial strength and geography.
Discuss a client case ↗Banks
Working capital, term lending, mortgages and business finance across suitable public- and private-sector programmes.
NBFCs
Flexible assessment pathways for eligible business, property-backed and structured-credit requirements.
Housing Finance Companies
Home loans, balance transfers and property-backed solutions for eligible salaried and self-employed borrowers.
Specialist Credit Programmes
Profile-led routes for requirements that need deeper structuring, security assessment or transaction coordination.
Representative lender relationships
Our network includes the following institutions and other lending partners.
Banks
ICICI Bank
HDFC Bank
State Bank of India
Axis Bank
Punjab National Bank
Bank of Baroda
Central Bank of India
Indian Bank
IndusInd BankHousing Finance Companies
ICICI Home Finance
PNB Housing FinanceNBFCs
L&T FinanceIndependent credit decision: Lender selection depends on the facts of each case. Every facility remains subject to the relevant institution’s eligibility criteria, credit assessment, documentation, valuation and prevailing policies.
04 · The partnership model
A wider capability, without competing for your client.
You retain the relationship. We strengthen the execution with partner-led structuring, a broad lender network and clear commercial terms.
Multi-lender accessEnd-to-end executionTransparent payoutsWhatsApp-first workflow
Share
Send the initial case summary and available documents.
Structure
We assess eligibility, gaps and the right financing route.
Place
We match the case with suitable lender programmes.
Execute
We coordinate queries, sanction conditions and disbursement.
05 · Leadership
Four partners. One integrated execution team.
Experience across loan syndication, channel strategy, credit operations and retail mortgage.
20+ years
Sandeep Pugalia
Co-Founder & Partner
Loan Syndication & Credit Advisory
23 years
Samrat Gupta
Co-Founder & Partner
Business Development & Channel Strategy
06 · Frequently asked
Clarity before the first case.
What partners and prospective clients usually want to know before starting a conversation with Xpertaces.
Ask us on WhatsApp ↗01Who can partner with Xpertaces?+
We work with DSAs, loan advisors, Chartered Accountants, real estate professionals, builders and consultants who want a dependable execution team behind their client relationships.
02Will my client relationship remain protected?+
Yes. Our model is designed around partner ownership of the relationship. Xpertaces supports structuring, lender coordination and execution without competing for your client.
03What kind of cases can I refer?+
You can discuss requirements across business and unsecured loans, working capital, loan against property, home loans, structured finance, real estate advisory, investment and insurance.
04How do you decide where to place a case?+
We review the borrower profile, requirement, security, financial information and lender criteria before identifying an appropriate financing route. Every proposal remains subject to the lender’s independent assessment and approval.
05How will I receive case updates?+
Our team coordinates queries and progress through a WhatsApp-first workflow, with clear updates at important stages—from initial assessment through sanction conditions and disbursement.
06How do I begin?+
Send a short case summary through WhatsApp or complete the enquiry form. We will review the initial information and tell you the next documents or details required.
07 · Start a conversation
Tell us what you need.
We’ll take it forward.
Share the basic requirement through this secure enquiry form. Your submission is recorded directly in Xpertaces’ Zoho CRM for structured follow-up.
Prefer WhatsApp?Send a short case summary to +91 62891 63453.
08 · Contact
Bring the relationship.
We’ll structure the deal.
Whether you are referring a first case or looking for a long-term backend partner, the conversation can begin with a simple case summary.
Start a conversation ↗Phone / WhatsApp+91 62891 63453
Emailinfo@xpertaces.in
Registered office
78, Bentinck Street
Sri Krishna Chambers, Room No. 2B
2nd Floor, Kolkata – 700012