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!



Twelve Grains Capital taps into over $2.2B of investment funds from high net-worth investors, 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 over 70 funding partners and extensive network of industry professionals, our finance brokers have access to more options for your complex scenarios. Here are some examples of what we're able to assist you with:



Borrowing Power Calculator

Mortgage Repayment Calculator

Car & Personal Loan Calculator



Twelve Grains was born in 2015 as a holding company for hospitality projects, particularly coffee. Having been in the industry for over a decade, I've learnt how to serve and how to do it well. This is something that I bring 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.

With our extensive network of partners, brokers and specialists in different divisions including private equity, mergers and acquisitions, financial planning, property researchers, business and property laws, and private advisory, we strive to provide you with the best experience and solutions for all your finance needs.

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



our partners

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Copyright © 2020 | Twelve Grains Holdings Pty Ltd.

ABN 15 608 522 890 | CRN 498879 authorised under ACL 384704

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Twelve Grains Holdings Pty Ltd. is an authorised credit representative (CRN 498879) of FInsure Finance and Insurance Pty Ltd. (ACL 384704)

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