Companies · Fintech

Low Tide Private Lending, LLC

CHARLESTON · Fintech · refined from filed group “Other

Diligence memoA one-page analyst read on Low Tide Private Lending, LLC — recommendation, valuation, rhythm, risks.
$6.2M
Total raised · real
6
Rounds
0.1×
Latest step-up
Top 15%
Sector rank · raised
Seed
Latest stage · inferred · Thu May 08 2025 00:00:00 GMT+0000 (Coordinated Universal Time)

Low Tide Private Lending, LLC looks under-valued against its niche peers and is active on financing cadence.

Synthesized from the figures below est. — every claim rests on a number shown on this page. Valuation uses the fintech sector profile.

Analyst read est. — computed against this company's niche peers in the same era. Inputs shown; not a quoted figure.

Under-valued
  • Modeled value is 0.17× the median modeled value of Seed Fintech companies in 2025–2027 (11 peers) — value vs value, same stage and era.
Active
  • Last raise 14 mo ago; this sector typically re-raises about every 12 months.
  • Raising on or ahead of the sector's normal rhythm.

Procedural diagnosis est. — rule-based common-sense checks over the filing pattern, issuer name, activity cadence, and surfaced operating evidence.

Issuer-vehicle patternmedium confidence

Low Tide Private Lending, LLC behaves more like a recurring private-offering issuer than a conventional venture-backed operating company.

Issuer structure
Company-like
No recurring-offering pattern strong enough to override normal financing interpretation.
Lifecycle
6.1 yr record
Peak capital year was 2023 with $2.5M across 1 filings.
Market position
ahead of 86% of Fintech peers
Capital scale is ahead of 86% of Fintech peers; modeled value is above 67% of peers by modeled value. Large capital with mid-pack modeled value can signal an issuer/program profile rather than operating-company growth.
Valuation reliability
Normal applicability
Stage/dilution valuation models are weakest when the issuer is broad-sector, recurring, or vehicle-like.
Operating evidence
Sparse
No clear CEO/founder/principal role is surfaced, so operating-company confidence is lower.
Data quality
Consistent
Canonical totals and visible filing detail are broadly aligned.
What triggered this
  • Legal name looks like an issuer vehicle rather than a product company.
  • No clearly named CEO/founder/principal role in the public records surfaced here.
  • No verified homepage on the profile yet.
  • Capital program peaked in 2023: $2.5M across 1 filings.
  • Largest single filing was $2.5M on 2023-01-13.
How to read the page
  • Read this less like a startup funding journey and more like a capital-raising program.
  • Stage-based valuation and peer labels have lower applicability for this pattern.
  • The more important signal is lifecycle: repeated filings ended years ago, so current activity needs outside confirmation.
Leadership

No named principal in this company's public records yet — see all operators below.

Explore how these operators interlock with other companies in the operator network.

Where it sits in Fintech

Low Tide Private Lending, LLC is one of 1063 Fintech companies tracked from CHARLESTON. By capital raised it ranks in the upper tier (ahead of 86% of sector peers), and mid-pack by modeled valuation est..

Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.

As reported in public records reported — not modeled.

US
Jurisdiction
Rule 506(b)
Reg D exemption
1
Investors (latest)
2025-05-08
First sale
Amount raised vs valuation, by round

Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.

Amount raised · realModeled valuation · estCumulative funded · real
$0$13M$25M$38M$50MSeed · 2020-05-20 Raised $1.1M (real) Modeled valuation $40M (est)$1.1M$40MSeed2020Seed · 2021-06-22 Raised $184K (real) Modeled valuation $4.0M (est)$184K$4.0MSeed2021Seed · 2022-07-22 Raised $125K (real) Modeled valuation $1.6M (est)$125K$1.6MSeed2022Seed · 2023-01-13 Raised $2.5M (real) Modeled valuation $25M (est)$2.5M$25MSeed2023Seed · 2024-06-11 Raised $2.0M (real) Modeled valuation $10M (est)$2.0M$10MSeed2024Seed · 2025-05-08 Raised $300K (real) Modeled valuation $1.0M (est)$300K$1.0MSeed2025+$184K+$125K+$2.5M+$2.0M+$300KCumulative $6.2M

The line shows cumulative reported funding over the period; + labels show new capital added between points when there is room. Toggle on-bar figures, plus the niche-peer and market averages, to read this company against its cohort. Benchmarks are modeled medians.

Financing ladder & sequence gaps
Seed$1.1M · 2020
Seed extension$184K · 2021
Seed extension$125K · 2022
Seed extension$2.5M · 2023
Seed extension$2.0M · 2024
Seed extension$300K · 2025

Stages are modeled from round size (public records carry no series label). No record for: Pre-Seed — the company may have raised it under a different exemption, merged it into an adjacent record, or skipped it. Sequence completeness: 50%.

Modeled valuation trajectory
$1.0M
Base estimate est.
$259K
Conservative case
$2.1M
Upside case
$1.5M
Modeled post-money

Round size and date are reported; the stage label is inferred from round size (latest is Seeda $1.0M–$4.0M round). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.

Seed · modeled $40.4M · 2020-05-202020Seed · modeled $4.0M · 2021-06-22Seed · modeled $1.6M · 2022-07-22Seed · modeled $25.2M · 2023-01-13Seed · modeled $10.4M · 2024-06-11Seed · modeled $1.0M · 2025-05-082025
Model inputs · modeled:benchmark-stage-stepup-v1
20%
Dilution assumption
Implied ownership sold in the financing.
38%
Survival probability
17% low · 60% high
1.62×/yr
Annual markup
2.13×/yr upside case
1.1 yr
Elapsed time used
1.1 yr actual, capped for stale marks
fintech
Sector profile
Adjusts growth and survival by industry.
Financing rhythm
12 mo
Avg between rounds
$1.2M/yr
Capital velocity
6.1 yr
On record since
2020
First round
6
Rounds on file
How it compares to the market

Benchmarked against 1063 companies in Fintech. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.

Total raised — vs sector median (real $, all stages) 1.4× above median
This company$6.2M
Sector median$4.3M
Latest round — vs other Seed rounds in sector (real $, this stage) 0.1× of median
This company$300K
Sector median$2.0M
Modeled value — vs sector median (estimate, all stages) 0.0× of median
This company$1.0M
Sector median$45.0M

Raised more than 86% of sector peers (real $). Modeled value above 67% of peers (estimate).

Niche peers — same stage & era

A tighter cohort than the sector chart above — only companies at the same stage (Seed) that last raised in the same ~3-year era, ranked by modeled value est. (not money raised). This is the exact set the analyst read compares against, so a like-for-like cohort is what makes "over/under-valued" meaningful. This company ranks #10 of 11.

This companyCohort peer
$100K$1.0M$10.0M$100.0M$10K$100K$1.0M$10.0M$100.0MCapital raised (log)Affinity Africa · Seed Raised $8.0M · modeled $30.0M (est)PayTic · Seed Raised $4.0M · modeled $13.9M (est)Cauridor · Seed Raised $3.5M · modeled $13.2M (est)Happy Pay · Seed Raised $5.0M · modeled $11.0M (est)Munify · Seed Raised $3.0M · modeled $8.6M (est)Accrue · Seed Raised $1.6M · modeled $6.0M (est)Canter Wealth Holdco, LLC · Seed Raised $1.8M · modeled $4.8M (est)Kayko · Seed Raised $1.2M · modeled $3.0M (est)INVIA · Seed Raised $1.2M · modeled $2.5M (est)Hizo · Seed Raised $100K · modeled $315K (est)Low Tide Private Lending, LLC (this company) Raised $6.2M · modeled $1.0M (est)Low Tide Private Lending, LLC
CompanyStageRaised · realValue · estvs peer med.
Affinity AfricaSeed$8.0M$30.0M4.98×
PayTicSeed$4.0M$13.9M2.31×
CauridorSeed$3.5M$13.2M2.20×
Happy PaySeed$5.0M$11.0M1.82×
MunifySeed$3.0M$8.6M1.43×
AccrueSeed$1.6M$6.0M1.00×
Canter Wealth Holdco, LLCSeed$1.8M$4.8M0.80×
KaykoSeed$1.2M$3.0M0.49×
INVIASeed$1.2M$2.5M0.42×
Low Tide Private Lending, LLC this companySeed$6.2M$1.0M0.17×
HizoSeed$100K$315K0.05×
Full financing history

Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.

StageAmount · realAnnouncedPost-money · estValue · estConf.
Seed$1.1M2020-05-20$5.7M$40.4M90%
Seed$184K2021-06-22$920K$4.0M90%
Seed$125K2022-07-22$625K$1.6M90%
Seed$2.5M2023-01-13$12.3M$25.2M90%
Seed$2.0M2024-06-11$10.0M$10.4M90%
Seed$300K2025-05-08$1.5M$1.0M90%
What happened at each round

Step-up, pace versus the sector's normal cadence, and revenue/exemption moves — read straight from the reported round facts reported.

  1. Seed$1.1M2020-05-20
    • First recorded raise — entered as Seed.
    • 6 investors on this round.
  2. Seed$184K2021-06-22
    • Raised 13 mo later, in step with the ~12 mo sector norm.
    • Round 6.2× smaller than the prior — bridge or down round.
    • 2 investors on this round.
  3. Seed$125K2022-07-22
    • Raised 13 mo later, in step with the ~12 mo sector norm.
    • Round 1.5× smaller than the prior — bridge or down round.
    • 2 investors on this round.
  4. Seed$2.5M2023-01-13
    • Came back fast: 6 mo vs the ~12 mo sector norm.
    • Round 19.6× larger than the prior — scaling up.
    • 7 investors on this round.
  5. Seed$2.0M2024-06-11
    • Raised 17 mo later, in step with the ~12 mo sector norm.
    • Round roughly the size of the prior one.
    • 1 investor on this round.
  6. Seed$300K2025-05-08
    • Raised 11 mo later, in step with the ~12 mo sector norm.
    • Round 6.7× smaller than the prior — bridge or down round.
    • 1 investor on this round.
Intelligence
2026 ~Q2
Modeled next raise · ~12mo cadence
$300K
Modeled next size est.range $300K$480K
0.1×
Last step-up
$1.2M/yr
Capital velocity

Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.

Key people & operators

Officers, directors and promoters named in this company's public recordsreported — the people who run it (not its investors). "Also runs" counts come from name-matching across all records, so verify before acting.

PersonRoleAlso runsTied since
Alex Wall2020-05
Registry & provenance

Low Tide Private Lending, LLC is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.

United States
Country of record
US
Jurisdiction
1855160
SEC CIK
Similar companies

Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.

CompanySectorStageRaised · realValue · estWhy similar
White Wolf Private Credit Partners LLCFintechSeed$2.8M$1.2Msame sector · same stage
OZE, Inc.FintechSeed$911Ksame sector · same stage
LeaseSuranceFintechSeed$161K$1.2Msame sector · same stage
HizoFintechSeed$100K$315Ksame sector · same stage
KhaznaFintechSeedsame sector · same stage
MerQFintechSeedsame sector · same stage
My-iMaliFintechSeedsame sector · same stage
Stream Pay Platforms Africa Inc.FintechPre-Seed$500K$1.2Msame sector
Semantically similar

Matched by meaning, not labels — a local language model reads each company's name, sector and description and ranks the closest in that learned space. This catches look-alikes that cross sector boundaries; the structured list above explains its matches, this one trusts the text. Directional, like every modeled signal here.

CompanySectorStageValue · estMatch
Equity Lending Solutions LLCFintechSeed$11.9M83%
CCI Private Lending LLCFintechPre-Seed$15.9M83%
Sage Lending, LLCFintechSeries B$85.1M80%
Forward Lending, Inc.FintechSeries B$293.3M80%
Cloud Lending, Inc.FintechSeries A$172.1M80%
Lending Market Technology Inc.FintechSeries A$44.3M80%
Snapcash lending, INCFintechSeries C$3.2B79%
KNCT Lending III, LLCFintechSeed$36.5M79%
Frequently asked
How much funding has Low Tide Private Lending, LLC raised?
Low Tide Private Lending, LLC has raised approximately $6.2M in disclosed capital across 6 recorded financing rounds, aggregated from public filings.
What is Low Tide Private Lending, LLC's estimated valuation?
Provath's modeled valuation for Low Tide Private Lending, LLC is approximately $1.0M (modeled range $259K–$2.1M). This is an algorithmic estimate derived from round sizes and same-niche peers — not a quoted or reported figure.
What funding stage is Low Tide Private Lending, LLC at?
Low Tide Private Lending, LLC's latest modeled financing stage is Seed. Its most recent recorded round closed around Thu May 08.
What does Low Tide Private Lending, LLC do and where is it based?
Low Tide Private Lending, LLC operates in the Fintech sector, based in CHARLESTON.
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