Live Oak Bank is committed to making it easy for professionals to build their practice value by providing affordable and flexible business loans. Our lending team is the financing partner you need, providing focused industry expertise and innovative technology solutions throughout the loan process.


Through our Investment Advisory lending program, we provide our clients with:

  • Extensive financing options with competitive rates, no financial covenants and no prepayment penalty
  • Turnkey industry expertise from origination through closing—ensuring speed, ease, certainty and value added insights
  • A state-of-the-art borrower portal for a completely paperless loan process to make it easier and faster to get your money
  • Lending based upon cash flow and goodwill, with the goal of becoming long term partners with our clients

Our Investment Advisory lending program has proven to be strategic because it positions advisors to grow and drive practice value by:

  • Capitalizing on opportunities in a high growth market with 5% – 6% projected AUM growth
  • Driving margin improvement and enhancing firm value in a highly scalable industry
  • Differentiating as a liquid buyer in a highly competitive M&A market where buyers outnumber sellers
  • Preserving ownership and enhancing ROE when pursuing M&A growth with low cost senior debt
  • Facilitating orderly succession planning which is in the best interests of your family, clients and employees

Live Oak Bank offers investment advisors financing for business purposes. Some of these include:

Commercial Real Estate – Live Oak Bank provides comprehensive 25-year, fully amortizing commercial real estate loans. We can support transactions for new property builds (construction loans), standard purchase transactions and commercial real estate refinancing.

Succession – We can help with partner buyout lending solutions, eliminating the historic heavy dependency on a seller note. Live Oak Bank takes a consultative approach to helping firms structure and execute a successful succession plan and providing ownership buyout transactions for exiting partners.

Merger & Acquisitions – Live Oak Bank provides loans to investment advisors for acquisition purposes. Since we understand the Investment Advisory industry, we are comfortable utilizing the buyer’s book of business as equity in the transaction, eliminating the cash needed upfront to acquire a firm.

Advisors in Motion – Live Oak provides financing for advisors in motion. Financing is available for breakaway advisors transitioning to independence or tucking in and recruiting advisors to existing platforms.

Working Capital – We can finance your business goals by funding organic growth—through hiring new employees, expanding to a new office or setting up a new technology platform. Loans are available from $25,000 to $5 million.