GOLD LENDER
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.
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.
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.

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).
Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.