Keith Merklin was instrumental in making my dream of a new dental office come true. The patience he exude while walking me through the process allowed me to trust him and Live Oak Bank. The icing on the cake was his personal visit to my office…I was very impressed. He has been available by phone immediately on the few occasions when I have needed him. Without a doubt, I give big kudos and atta-boys to him and to the bank as a whole. I would recommend them without hesitation.