Banking Built
Around You

You're more than an account number to us.

Save Smarter
With us

Earn more than the national average APY.1

We’re committed to offering high-yield interest rates and reliable digital service so that your savings can grow strong.

Female business owner using her laptop to explore small business banking solutions

Business Solutions

We offer business owners personal guidance through the lending process and easy-to-use banking products.

  • Customized Loans
  • Checking with Treasury Services
  • High-Yield Savings
  • High-Yield Certificates of Deposit (CDs)
Male sitting at his desk in a home office searching for personal banking products on his laptop

Personal Banking

We get that individuals like you need great rates, FDIC insurance1 and no fees.

  • High-Yield Savings Accounts
  • High-Yield CDs

Experience a different way of business lending

Our bankers connect directly with you to determine the right loan strategy for your business and offer a variety of lending options including: SBA, USDA, conventional and custom business loans tailored to your needs.

  • SBA Preferred Lender
  • #1 SBA 7(a) Lender by dollar amount for FY 20235
Small business loan customers Nikhil Dhawan and Reema Dutt

“Our experience with Live Oak Bank was extremely smooth, while maintaining a sense of detail and thoroughness. Thank you for your guidance, support, and patience throughout this acquisition.”

Nikhil Dhawan and Reema Dutt
Owners, Sweat Yoga
Playa Vista, CA

Small business loan customer Tim Sheehy

“Live Oak enabled us to acquire our flagship aerial firefighting assets to protect lives, property and habitat. The bank’s innovation and dedication provided the means to secure ownership of our first two aircraft through two instrumental loans.”

Tim Sheehy
Owner, Bridger Aerospace
Belgrade, MT

Live Oak Bank mobile banking app and debit card products for small business banking customers

Excellent Rating on   Trustpilot

Our Approach
Sets Us Apart

A fully digital bank, we don’t have branches and don’t work on commission. This means our focus is entirely on you.