Small to medium enterprise (SME) lending is a secured or unsecured loan provided to assist with business dealings. Small business lending can be used to pay invoices, creditors, wages, purchase equipment, or simply to assist with day to day operation. The loan size can range from $10k to over $50M.

Why should you consider business loan?

Lenders Don’t Try to Influence How the Money is Spent

Unlike investors, a lender is never going to interfere with how your business is run. If you find an investor, you will have to work alongside them. And unless they’re a silent partner, they will expect to have a say in how their money is spent by the business.

They’re Convenient and Easy to Access

It’s easy to get in contact with Twelve Grains Capital and talk to us about the possibility of taking out a business loan. Most lenders can enable funding in 24-48 hours. Most business owners don’t have time to waste. And waiting for profits to grow in order to reinvest them can take a long time.

Reasonable Interest Rates

It’s true that business loans are more expensive than residential mortgages. But lenders are competing for customers, so they are obliged to offer a deal which is at least in line with what their competitors are offering. Of course, the interest rates are still going to allow enough room for the lenders to see a healthy return on their profits.

The Profits Will be All Yours

Most business owners take out a business loan because they want to expand their business or push it in a new direction. This means that they want to make it more profitable. If you get this money from an investor, they will expect a return on any money you make.

Who is a sme loan suited for?

SME loan is designed to help small to medium business owners who are just starting out or expanding their businesses. Whilst we're industry agnostic, most of our clients are in the industries that have high turnover as well as overheads, such as:

  • wholesalers,

  • retail,

  • hospitality,

  • construction, 

  • trades, etc


And those that are seeking to:

  • invest in their business

  • buy tools

  • purchase equipment

  • renovating or doing a fit out

  • paying suppliers

  • purchasing bulk stock

  • managing seasonal cash flow

HOW DO I QUALIFY for Business loan?

  • Has to be Australian SMEs, sole traders, trusts, companies or partnerships.

  • Must be PR or citizen and over 18 years old.

  • Must have business bank account that matches ABN/ ACN.

  • Regular income eg more than 4 income deposits / month is preferred.

  • Adverse credit on file (very low credit scores, defaults, and court judgement) can be considered.

WHEN SHOULD I APPLY for a business loan?

Banks are the kind of person who lends you an umbrella when it's sunny and take it away when it's raining - it's much easier to get a business loan when your business is at its peak. It's also a smart thing to do; as the best time to make changes to your business is when it's performing at its best, because you can afford it, and you can leverage on debt instead of reaching into your own pocket or reserve.

However, we understand that running a business is not always rainbows and butterflies, so whenever you need it, we'll be here for you.

why Twelve Grains capital?

Looking to start your own venture or taking your business to the next level? Twelve Grains Capital can take the stress out of funding your growth with smart funding up to $150 million through prime and private lenders.


Twelve Grains Capital provide finance for businesses in Sydney, Melbourne, Brisbane and Australia-wide to assist with a range of business purchases including:

  • Business overdraft and revolving business line of credit

  • Merchant cash advance

  • Rent roll / trail book finance

  • International trade finance

  • Secured and unsecured business loans

  • Vehicles and heavy machineries

  • Earth-moving and construction equipment

  • Fit-out and invoice financing

  • Working capital finance

  • 1-day ABN truck finance

  • Equipment leasing

Where to from here?

You've considered your options, and decided you're ready to apply for a small business loan. The next step is to get you qualified by following the link below. Don't worry, this won't appear on your credit report.


Is it possible to create a geofence on a specific location?

Yes - geofences can be created for any location on the map.

Will my drivers know there is a GPS device on the truck?

Not if you don't want them to. There are many options available that allow for the GPS device to be hidden under the vehicle's dashboard.

Do I have to install the device myself or can I have help?

We can provide installation services when requested but it is also possible to install the equipment yourself. We provide installation instructions with new purchases and are also available for help through our support services contact information.

What happens if my GPS stops working?

If your device is connected to the vehicle's OBDII port then try the following. 1. Try unplugging/plug it back in. This will reset the device and fixes most problems. 2. Make sure the vehicle's OBDII port has power. Sometimes a blown fuse can shut off power to the port which also powers the GPS device. 3. If the device still does not come back online then contact customer support for help. If your device is hardwired into the vehicles power try the following. 1. Ensure the GPS device has power by checking to see if any lights are showing on the device. If no lights are showing then check the devices power source. 2. If the GPS device has power and it's lights are blinking but still will not show up on your map then contact customer service.

Do I have to sign a contract for service?

There are several options for service. 1. No Contract - GPS devices are purchased by the customer and services are billed monthly. A one month notice is required to stop service. 2. Contract - GPS devices are leased (not purchased) by the customer and a contract is agreed upon for services.

Can I receive weekly reports of driver performance?

Yes- we offer many different reports for managers that allow them to see a wide range of driver performances.

Is it possible to track maintenance and DOT requirements on my vehicle?

Yes - If maintenance and DOT expiration dates are known an individual can be notified of upcoming expectations before time expires.

Can I monitor my drivers fuel usage?

Yes - Options to monitor location, time and amount of fuel are all available. It is also possible to monitor the actual location of the vehicle during a fuel transaction in order to prevent fuel theft.

I want to have video evidence of an accident, is there an option for that?

Yes - There are options to install and monitor video footage of both inside/outside the vehicle. Video feed can be accessed remotely and in real-time.

Can I look at a specific location and see if any of my drivers have visited there?

Yes - Geofences can be set up at any location in order to see if a driver(s) has recently visit that site.

Is it difficult to use your program and what happens when I need help?

No - Our platform is simple and intuitive. We also provide personal training for companies at no additional cost. If specific questions come up we are available and ready to help. Our main goal is for you to value from our service, not an additional headache.