01 Results

Lines that earned their keep.

A line of credit only matters in the moment you use it. Here's how owners drew on Tidewater — what it cost, and what it made possible.

$120,000 drawn

$250K line · repaid in 70 days

Caught a season they'd have missed

A garden-supply retailer drew to load up before spring, sold through, and repaid in ten weeks. Interest cost a fraction of the season's added margin — and the line refilled for next year.

$40,000 drawn

$150K line · repaid in 3 weeks

Made payroll without flinching

A staffing firm bridged a gap before a net-60 invoice cleared. Three weeks of interest on $40K beat a missed payroll run by a mile.

$0 drawn

$300K line · held 8 months

Peace of mind, at no cost

A manufacturer opened a line purely as a backstop. They haven't drawn yet — and because an idle line is free, it has cost them nothing to keep the safety net in place.

$210,000 drawn

$500K line · revolving

Reused it four times in a year

A wholesale distributor draws and repays on a rolling cycle as orders come and go. One approval has covered a year of inventory swings with no new applications.

02 By the numbers

What the book looks like.

$310MIn lines opened to date
61%Of limit sits undrawn on average
18 hrsMedian time to a decision
4,200+Owners with an open line

See the line you'd qualify for.

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