Non-bank SME lender
Twelve Grains Capital
Twelve Grains Capital is a non-bank lender offering property-backed term loans to Australian small and medium businesses. Check whether Twelve Grains Capital fits your client's scenario.
Products
Term loan
Lender overview
Twelve Grains Capital secured business loans
About Twelve Grains Capital
Twelve Grains Capital is a Sydney-based private lender offering commercial, business and non-bank lending to business owners and property investors across Australia. It was founded by David R. Sutantyo in 2015 as Twelve Grains Holdings, and refocused on lending in 2020.
How Twelve Grains Capital lends
Twelve Grains funds loans through high-net-worth and wholesale investors, family offices and private institutions. Its business lending on Visro is property-backed and secured, with security ranging from residential property to specialised commercial assets.
Twelve Grains Capital products
SME loans secured against property
Commercial loans
Bridging loans
Private lending and asset finance
Working with Twelve Grains Capital as a broker
Twelve Grains works with brokers, advisers and other introducers through its partner program, and brokers can submit a client scenario through its website.
What your client will usually need
Property or other acceptable security
Deal details, submitted through its scenario form
Is Twelve Grains Capital the right fit for your client?
Loan amounts, terms, minimum trading history and turnover change over time, and every lender sets its own policy on credit, industry and security. Enter your client's scenario in Visro to see whether Twelve Grains Capital fits today and how it compares with the rest of the panel. Lenders can't pay to rank, so results reflect policy alone.
Twelve Grains Capital FAQs
Is Twelve Grains Capital a bank?
No. It's a private, non-bank lender.
Does Twelve Grains lend unsecured?
Its business lending on Visro is property-backed and secured.
Does Twelve Grains work with brokers?
Yes, through its partner and introducer program.
Similar lenders on Visro
Sources
Information on this page is general, is based on Twelve Grains Capital's public materials and industry news, and was last reviewed in November 2026. It may change. Always confirm current products and terms with Twelve Grains Capital.
The answers, already written down
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Lender names, logos and trade marks belong to their respective owners and are used only to identify the lender. Inclusion on Visro does not mean a lender endorses Visro or has a commercial relationship with us. Product information is general, may change, and is not an offer or recommendation of credit. Always confirm details with the lender. Visro does not provide credit assistance or financial advice.