The Live Oak Bank Difference

Our work is guided by the philosophy that know-how, efficiency and service are what make Live Oak different. We know small business owners are the backbone of our country’s economy, and they are at the heart of everything we do. We are proud to serve them. When you bank with Live Oak, you can be proud too.

Live Oak is a digital, cloud-based bank serving small business owners in all 50 states. We are the leading SBA and USDA lender by dollar volume* in the country and our mission is to be America’s small business bank. We aim to fulfill that mission through banking products that help business owners buy, build and expand, along with FDIC-insured high-yield savings and CDs to grow their hard-earned money. Our family of companies under the holding and parent company Live Oak Bancshares (Nasdaq: LOB), and our subsidiaries, partner with businesses who share a groundbreaking focus on service and technology to redefine banking.

* The data supplied by the SBA reflects 7(a) highest dollar volume during FY 2020. The data supplied by the USDA for the highest dollar volume during FY 2020.

What Sets Live Oak Apart

Customer Service

Customer Service:

We work tirelessly to treat every customer like they are the only customer. Going above and beyond is simply how we operate. We strive to deliver an experience that’s different than what you’d typically expect from a bank — our customers remain at the center of everything we do here at Live Oak.


Product and Industry Expertise

Product and Industry Expertise:

We specialize in over 30 different industries and we’re the top SBA1 and USDA2 lender in the nation.


FDIC Insured Banking

Suite of FDIC-Insured3 Banking Products:

We have savings and CD accounts for your business and your personal use.

  1. #1 SBA 7(a) lender by dollar amount for FY 2020. The data supplied by the SBA reflects 7(a) highest dollar volume during FY 2020.
  2. #1 USDA commercial lender by dollar amount for FY 2020. Live Oak Bank was awarded the 2020 Commercial Lender of the Year by the U.S. Department of Agriculture (USDA) for the highest dollar volume.
  3. Live Oak Bank is a member of the Federal Deposit Insurance Corporation (FDIC). As a Live Oak Bank customer, your Live Oak Bank deposits are insured by the FDIC up to $250,000 per depositor, for each account ownership category.

You are about to leave the Live Oak Bank website.

Disclaimer: This link will take you to a website outside of the Live Oak Bank site. The new site may offer a different privacy policy and level of security. Live Oak Bank is not responsible for the products or services that are offered or expressed on other websites.

Yes, I understand. Please continue.

Learn about your California consumer privacy rights & submit a personal information request.