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.
Why partner with us if you can go direct? ↗Meet the four aces behind Xpertaces ↗
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 · Xpertaces Knowledge Series
Small snapshots.
Smarter financial conversations.
Clear, practical explainers designed to help borrowers and channel partners understand financial products, credit assessment and responsible borrowing.
Explore Knowledge ↗300→900
What an individual borrower’s CIBIL score tells a lender
Understand the score, the report behind it, the factors that influence it and why a lender looks beyond the number.
Read the detailed guide ↗04 · 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.
05 · Case studies
Every requirement has a story behind it.
These anonymised profiles show how Xpertaces brings structure, lender alignment and execution discipline to different financing requirements.
Client identities and confidential financial information are not disclosed.01
Working Capital
Established manufacturing business
- The requirement
- The operating cycle required a more suitable working-capital structure, supported by a clear presentation of financial performance and banking conduct.
- Xpertaces approach
- Review the business model, existing limits, cash flows and security position; identify information gaps; then prepare a lender-ready case for appropriate banking programmes.
- Execution value
- A structured submission, a focused lender pathway and coordinated follow-through on credit queries.
02
Loan Against Property
Self-employed business owner
- The requirement
- The requirement needed to be assessed against business income, repayment capacity, property acceptability and the intended end use of funds.
- Xpertaces approach
- Evaluate the borrower and property together, organise income and legal documents, and shortlist programmes aligned with the complete profile.
- Execution value
- Clearer programme selection and one coordinated process across credit, valuation and legal assessment.
03
Home Loan
Salaried homebuyer
- The requirement
- The buyer needed clarity on eligibility, property documentation and a financing route suited to the purchase timeline.
- Xpertaces approach
- Assess income eligibility and obligations, review the available property papers, and coordinate the application through sanction conditions and disbursement readiness.
- Execution value
- A transparent checklist, fewer avoidable gaps and disciplined coordination with the selected lender.
These profiles are representative and intended to explain our process. Eligibility, terms, timelines and approvals depend on the facts of each case and the lender’s independent assessment.
06 · 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.
07 · Leadership
Four partners. One integrated execution team.
Experience across loan syndication, channel strategy, credit operations and retail mortgage.
Read the Four Aces story ↗
20+ years
Sandeep Pugalia
Co-Founder & Partner
Loan Syndication & Credit Advisory
24 years
Samrat Gupta
Co-Founder & Partner
Business Development & Channel Strategy
08 · 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.
09 · 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.
10 · 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