Live Oak Bank was founded upon the notion that traditional banking was “broken,” so we set out to provide an innovative banking experience unlike any other.

Live Oak empowers our customers with smart financial solutions bolstered by world-class customer service. We are one of the nation’s top originators of small business loans with an industry focused team of experts to provide support and throughout the life of your loan.

With high-yield savings and CDs, Live Oak makes it easier to save and meet your goals, whatever they may be. Our team of locally based customer success managers is available to assist with any requests and offer big bank expertise without big bank attitudes.

We take immense pride in creating a personalized and streamlined approach to banking with you, our customer, as the focus of our mission.


Live Oak was founded as a lender focused exclusively on financing veterinary practices. As we’ve added agriculture, pharmacy, healthcare and other industries to our portfolio, we first hire an expert who knows that particular business inside and out.

Each expert leads a team of people who are laser-focused on their industry all day, every day. Armed with a full understanding of the challenges and nuances of those loan deals, our industry teams are empowered to guide customers not only during the loan process, but all through the life of their loan.

live oak expertise

live oak technology


We think technology should enable people, not replace them. Live Oak Portal technology simplifies the loan process from application through funding, with real-time transparency so our customers know what’s happening through every step.

Portal allows an up-to-date view of a loan at any time, so a borrower is never in the dark about when the loan will close. Customers can securely upload all loan documentation, fill out online forms and electronically sign all documents. While Portal enables a streamlined, efficient process for borrowers, the credit decisions remain with the industry expertise of our lending teams.


As part of our dedication to delivering exceptional customer service, we’ve created the Business Analyst Group. With Live Oak, our relationship with you does not end once a loan closes. In fact, it’s really just getting started. Your devoted Business Analyst will deliver detailed financial analysis and guidance throughout the life of your loan – we want to see your business succeed and we’ll do everything we can to help you get there.

live oak construction


Construction financing is one of our specialties. After a loan closes and construction begins, our knowledgeable and dedicated team walks our borrowers through the process—until their first customer walks through their door.

The Construction Loan Team is available to work directly with an approved contractor and architect on all construction-related items, providing funding guidance along the way. The team facilitates all documentation throughout the closing and construction disbursement period.

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