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What We Do


Twelve Grains Capital help business owners and property investors accumulate wealth by leveraging on debt. We access prime and non-bank lending through high net-worth, wholesale lenders and private institutions – to close deals big banks won’t. 

OUR PROMISE: A solution will be provided in 10 MINUTES or less!

With flexible specialist lending products and extensive network of industry professionals, our finance consultants have access to more options even for your most complex scenarios. Here are some examples of what we're able to assist you with:

Crane lifting on construction site

Crane lifting on construction site

Private Lending

Commercial Finance

Commercial Finance

Commercial Finance

General Shop

General Shop

Small Business Loans

Happy Family

Happy Family

Home Loans

Image by Nick Sanchez

Image by Nick Sanchez

Personal and Asset Finance


Twelve Grains Capital is a Sydney-based lending firm with access to prime lenders and exclusive, private high-net-worth investors, serving business owners and property investors Australia-wide.


Born in 2015 as a holding company for hospitality projects, we've learnt how to serve and how to do it well. This is something that I take with me wherever I go, and with any team that I lead. In the end of the day, we're not in finance business - we're in customer experience business. With the same philosophy of putting the customers first and improving their experience from engagement to settlement and beyond, we strive to build a lifetime relationship.

Our main focus is to add value to our partner companies with smart, efficient, and well-structured finance solution for them and their clients. With fast and friendly application process, we aim to be the catalyst of the success for all parties involved, creating strong, interdependent relationships and to build better business.

David R. Sutantyo

Managing Director

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our partners

why us

Sidney Cityscape

Misha G.

Great customer service. I was struggling to get the loan but Talitha helped me throughout the process and got settlement done within a day. Would highly recommend.

David A.

Our business has worked with David and Twelve Grains Capital on a number of funding projects and we have been consistently impressed with his responsiveness and willingness to take on more challenging engagements.

David is astute, well connected and able to generate solutions to funding requests and aggregated deals that require significant commercial expertise and an ability to bring multiple parties together.

We maintain a close circle of funding advisors and would always have David as part of this group for any of our projects.

Ilona L.

We were very satisfied with David’s professionalism, knowledge and customer service. We would highly recommend him and certainly be asking for David’s assistance in the future.

Angel P.

David is a legend! He is very reliable. He was able to provide a flexible solution when it came to a very challenging situation. As a first time buyer, the process could be overwhelming but David was incredibly patient in guiding me through it step by step. He is always generous in his time in helping people and ensures we are being looked after. Thank you again!

Joe C.

It was great pleasure dealing with Dave. He exceled at fullfilling our finances need by providing us with a complete solution to our business! We highly recommend anyone seeking financial advise to reach out to Twelve Grains Capital

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