What We Do

 

Twelve Grains Capital help business owners and property investors access prime and non-bank lending through high net-worth, wholesale lenders and private institutions – to close deals big banks won’t. Using our risk-based lending process — we see profitable deals through a strategic, flexible lens that most mainstream lenders are blind to.

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:

Private Lending

Private Lending

Private Lending

Commercial Finance

Commercial Finance

Commercial Finance

Small Business Loans

Small Business Loans

Small Business Loans

Home Loans

Home Loans

Home Loans

Personal and Asset Finance

Personal and Asset Finance

Personal and Asset Finance

Car Buying Service

Car Buying Service

Car Buying Service

Property Buyer

Property Buyer

Property Buyer

our partners

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Calculators

 

WHO
WE ARE

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 solutions 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.

David R. Sutantyo

Director

 

why us

Sidney Cityscape

Misha Gul

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 Andrews

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 Logarzo

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 Pun

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!