GOLD LENDER
Loan Close Time: < 10 days
We understand that time is money and every deal is unique. As an asset-based lender, we focus on the strength of the property — allowing us to offer flexible, creative financing solutions for residential single-family (1–4 unit) investments. Speed, certainty, and experience help get you across the finish line.
Low Tide Private Lending uses Sitewire to manage draw requests for renovation or construction projects. Once you submit your draw request with the required documentation (such as invoices, receipts, or proof of completed work) through Sitewire, our team reviews it and typically releases funds promptly so you can stay on schedule.
Because we service loans in-house, you’ll work directly with our team throughout the draw process, ensuring clarity, transparency, and speed.
You can submit an online application or contact us directly to discuss how draws will work for your specific project.
Low Tide Private Lending offers short-term, asset-based loans designed for real estate investors. Terms vary depending on the property, loan amount, borrower experience, and deal structure, but typical features include:
Loan term: Short-term, usually 6–12 months
Loan-to-Cost (LTC): Up to 100% depending on borrower experience
Loan-to-After Repair Value (ARV): Up to 75% depending on experience
Property types: Residential single-family and 1–4 unit investment properties only
Interest rates and points: Competitive, structured based on deal risk and complexity
Every deal is reviewed individually to provide terms that fit your project and goals.
You can submit an online application or contact us directly to discuss terms for your specific property.

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.