Jainam Sanghavi

CEO

Bengaluru, Karnataka, India7 yrs 4 mos experience

Highly Stable

Key Highlights

Founded multiple successful fintech startups.
Scaled BharatX to 300K+ users and $36M ARR.
Expert in embedded lending and capital markets.

Stackforce AI infers this person is a Fintech entrepreneur with expertise in embedded lending and capital markets.

Contact

Skills

Core Skills

Product ManagementFintechEmbedded FinancingPartnership ManagementSales ManagementPartnership Development

Other Skills

Credit accessDigital onboardingInvoice financingPartnershipsPre-IPO investingProduct developmentSalesUnderwritingUser onboarding

About

3× founder with 0→1 experience in credit, embedded lending, AI and capital markets. Built BharatX from college (YC W22, 300K+ users, ~$36M TPV ARR, <1.7% GNPA, acquired by SuperMoney & Flipkart). Then founded InvoiceFlo (embedded MSME invoice financing via Vyapar/Gimbooks + lenders like Suryoday SFB, UGro) and now building Envest, a Pre-IPO & IPO investing app with 20K+ users and $500K+ invested. Exploring an early-stage VC role (fintech / AI / generalist, India or remote) to sharpen market judgment and work closely with founders before starting my next company.

Experience

Envest

CEO & Founder

Jan 2025 – Present · 1 yr 2 mos

Founded Envest to productise fragmented Pre-IPO (unlisted shares) & IPO investing landscape.
Onboarded 20K+ users with >$500K invested through the platform to date.

Product ManagementFintech

Invoiceflo

CEO and Co-Founder

Jun 2024 – Jan 2025 · 7 mos

Built a embedded invoice discounting platform targeting MSME–MSME trade, with a fully digital onboarding and underwriting flow.
Partnered and onboarded lenders including Suryoday Small Finance Bank and UGro for invoice financing lines.
Integrated with MSME accounting platforms like Vyapar and Gimbooks, creating a financing funnel of ~200K MSMEs.
Took a disciplined call to pause/stop instead of scaling with offline, non-scalable lending ops; chose not to draw down a $125K term sheet due to structural challenges in fully digital MSME lending infra.

Embedded FinancingPartnership Management

Antler

Antler India Resident

Jun 2024 – Jul 2024 · 1 mo · Bengaluru, Karnataka, India · Hybrid

Bharatx

Founding Member

Jun 2021 – Jun 2024 · 3 yrs · Bengaluru, Karnataka, India

Joined as founding team member, led Sales, Partnerships and Product as we scaled the platform.
Grew from 0 to ~$36M annual disbursal, ~$2.5M ARR and ~$100K/day loan disbursal
Scaled credit access to 300K+ consumers; onboarded partners like Cashfree, Razorpay, Sangeetha Mobiles, Cashify, Mokobara, Boat, Snitch, etc.
Built the offline BNPL product 0→1 and scaled it to 500+ retail stores across India.
Onboarded and managed 5+ NBFCs including Cashe, WesternCap, Lendbox, etc.
Outcome: BharatX was acquired by SuperMoney & Flipkart (Walmart Group).

Sales ManagementPartnership Development

Premier engineers

Operations and Sales Intern

Jun 2020 – Aug 2020 · 2 mos · Aurangabad, Maharashtra, India

Market Penetration: Actively worked with sales team in cracking distributors for aftermarket components. Converted 2 distributors in Karnataka with POs of >1cr.
TPM Implementation