Luxury stone and stucco home at sunset

Low Tide Lending: Carolinas Fix and Flip Loans

Direct asset-based lender established in 2018, offering fast, flexible short-term financing for time-sensitive investment opportunities.

GOLD LENDER

Fix & Flip
Key States Served
South Carolina
Loan Close Time
< 10 days
Loan Programs
Fix & Flip
Max Leverage
Up to 100% financing; Loan to Cost Up to 100% depending on experience.
Draw Funding
Same day upon inspection approval

Overview

Low Tide Private Lending is an asset-based private lender focused on residential single-family (1 to 4 unit) investment properties in North Carolina, South Carolina, and select Georgia markets. Based in Charleston, South Carolina, the company focuses on the strength of the property to offer flexible, creative financing and can close in days, not weeks.

With more than 25 years of combined lending experience, Low Tide offers same-day term sheets, next-day draw funding, direct access to decision makers, and clear terms.

Draw & Construction Process

Low Tide Lending leads with draw speed, advertising same-day term sheets and next-day draw funding. The company frames closings as days, not weeks. There is no stated draw request method, inspection type (physical or virtual), per-draw turnaround policy, or reimbursement detail on its site, so the next-day funding is presented as a speed claim rather than a documented process.

Low Tide lends up to 100% of cost, the draw structure matters for cash flow, so investors in the Carolinas and Georgia should confirm the draw request steps, inspection method, and funding turnaround directly before closing. The same-day term sheet and next-day draw funding claims are the headline, backed by an up to 100% financing structure for experienced borrowers.

Loan Programs

Low Tide Private Lending is an asset-based private lender based in Charleston, South Carolina, financing residential one-to-four unit investment property in North Carolina, South Carolina, and select Georgia markets.


• Up to 100% financing, with loan to cost up to 100% depending on investor experience.
• Residential 1 to 4 unit investment property, on 6 to 12 month terms.
• A 600 minimum credit score, with same-day term sheets.
• Low Tide lends to individuals, LLCs, partnerships, corporations, and foreign individuals and entities, with principals personally guaranteeing.
• Low Tide is a member of the American Association of Private Lenders (AAPL) and describes itself as asset-based, focused on the deal rather than the borrower.

States Served

Resources

Legal / Disclosures

Low Tide Private Lending is an asset-based private lender headquartered in Charleston, South Carolina, financing residential single-family (one to four unit) investment property in North Carolina, South Carolina, and select Georgia markets. It lends to individuals, LLCs, partnerships, corporations, and foreign individuals and entities, with principals personally guaranteeing, for investment real estate purposes. It is a member of the American Association of Private Lenders (AAPL).

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