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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 line of credit

  • Merchant cash advance

  • 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 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.

  • What is the definition of private lending / private lender?
    Private lenders are typically high net-worth individuals who are seeking better returns on their investments by lending to businesses either directly or via a pooled mortgage funds (syndication). The lending is commonly secured against real-estate assets with loan terms from 3 months to 3 years.
  • How does private lending / private lender work?
    Loans from private lenders work just like any other type of loans. The funding is secured against real-estate assets to allow you to purchase properties, develop or construct new buildings, assist with your business' cash flow, pay invoices, etc. You may choose to make repayments in instalments or lump sum by the end of the term. The only difference with loans from banks or credit union is that the funds come from private investors and not members. This allows settlement to be fast tracked as the decisions are based on the individual's risk appetite.
  • What are private lending rates like? How much do private lenders charge?
    Private lending rates are typically higher than traditional lenders. It could range from as low as 4.99% to over 20% per annum. Rates are commonly interest-only where borrowers can choose to pay in instalments or pre-paid for the life of the loan.
  • Is private lending legal?
    Yes! It's perfectly normal to feel sceptical for something that is not "traditional" or sometimes misunderstood. Private lending is regulated by Australian government, and depending on the type of lending or investment services they provide, different lenders could carry different licences. Always do your research and ask questions before deciding that any financial product might be right for you.
  • What is peer-to-peer lending?
    Peer-to-peer (P2P) lending matches people looking to invest and people looking for loans. This allows individuals or businesses borrow money from an investor instead of going through a bank or credit union. When you're investing via a P2P platform, you're buying a financial product, this is typically a managed fund.
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