Operating since 1994 — at the forefront of payment financing.
Western Fintrade is an RBI-approved Non-Banking Financial Company with a legacy dating back to 1994, combining traditional financial discipline with embedded fintech infrastructure.
From SME financing in 1994 to a modern lending platform today.
Western Fintrade is a Non-Banking Financial Company (NBFC) with a legacy dating back to 1994, when it commenced operations focused on SME financing within the real estate and infrastructure materials sector — a segment it continues to actively serve today.
Building on decades of credit underwriting expertise and deep sectoral relationships, the company has evolved into a modern lending platform offering payment-linked credit solutions, including NRI personal credit, export receivable-backed financing, fintech settlement overdraft facilities enabling real-time (T+0) payments, and SME invoice discounting.
Western Fintrade combines traditional financial discipline with embedded fintech infrastructure to deliver secure, compliant, and scalable access to credit for individuals, businesses, and regulated payment platforms across both domestic and cross-border ecosystems — all under RBI Registration No. B010039.
Three decades, one principle: regulated, responsible credit.
Western Fintrade commenced operations as a Non-Banking Financial Company, registered with the Reserve Bank of India.
Built a focused lending book around SMEs in the real estate and infrastructure-materials supply chain — long-cycle credit, relationship-led underwriting.
Expanded the product set — personal loans, NRI credit, trade finance and invoice discounting, payment financing for PSPs, and loan against securities — products aligned to how money actually moves today.
A regulated NBFC running on modern fintech infrastructure — combining the underwriting rigour of a 30-year-old institution with the speed of a digital lender.
Five products, one regulated balance sheet
- Personal Loans — unsecured credit for life's planned and unplanned needs.
- NRI Loans — credit solutions for Non-Resident Indians with obligations in India.
- Trade Finance — import-export, invoice discounting, PO financing and supply chain finance.
- Payment Financing — short-term rolling capital for PSPs and FIU-registered entities, secured by receivables.
- Loan against Securities — pledge listed securities for liquidity without exiting positions.
The team behind Western Fintrade
A senior team with deep experience across NBFC lending, fintech, banking, compliance and engineering.
Bharatbhai Patel
An accomplished NBFC industry leader and serial entrepreneur with over 25 years of experience in financial services, lending, and business development. He has built and scaled multiple financial ventures while providing long-term strategic leadership and governance.
Shrikant Bhalerao
A seasoned global fintech leader with over 15 years of experience spanning payments, banking and financial services (BFSI), lending, and emerging technologies. He has led the development and scaling of cross-border payment infrastructure, credit platforms, and digital financial products across multiple markets.
Akshay Soam
Former HSBC and fintech technology professional with over 10 years of experience in financial technology systems and platform engineering. He is CFA Level I certified and holds a Master's degree in Artificial Intelligence and Machine Learning from the University of Liverpool, UK, bringing deep expertise in scalable fintech architecture and data-driven innovation.
Rabindra Sahu
A highly experienced Chartered Accountant with CISA and MF certifications, bringing over 15 years of expertise in accounting, financial governance, compliance, and regulatory reporting. He supports businesses in strengthening financial controls, ensuring regulatory adherence, and achieving sustainable financial growth.
Arnab Sarkar
A 15+ year NBFC and banking professional with prior experience at Canara Bank, Shaan Finance (NBFC), and Efundzz Fintech. He specializes in credit operations, business scaling, partner management, and execution of financial service programs across regulated environments.
Join us
We're growing a team that combines regulated-lending discipline with fintech speed. If you'd like to be part of it, write to us.
Get in TouchFour pillars that anchor everything we do
Regulated by Design
An NBFC operating under the supervision of the Reserve Bank of India since 1994.
Responsible Lending
Credit decisions grounded in policy and underwriting fundamentals.
Long-term Relationships
We measure success in renewals and references, not in one-off transactions.
Modern Infrastructure
Traditional discipline running on contemporary fintech rails.
Looking for a regulated lending partner with three decades of experience?
From your first conversation to disbursal, our team will guide you transparently.