GOLD LENDER
Loan Close Time: < 10 days
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 Private Lending uses Sitewire to manage draw requests for renovation or construction projects. Once a borrower submits a draw request with the required documentation (such as invoices, receipts, or proof of completed work) through Sitewire, the team reviews it and typically releases funds promptly. Because Low Tide services loans in-house, borrowers work directly with the team throughout the draw process, and the company advertises next-day draw funding.
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.
Low Tide Private Lending is based at 835 Savannah Hwy #207, Charleston, SC 29407, and can be reached at (844) 569-8433 or info@lowtidelending.com. The company is a member of the American Association of Private Lenders.
