Working Capital Solutions That Work For Your business

Is your company experiencing dynamic growth or longer production or collection cycles? Is your business implementing a turnaround plan? Do you have a high credit quality customer base? Live Oak Bank can accommodate small- and medium-sized businesses across the country with asset-based lending. We can provide your small business with flexible working capital financing solutions, including both accounts receivable and inventory.

We work with your business to optimize availability and affordability with the right ABL product, whether accounts receivable factoring or accounts receivable and inventory finance lines of credit. If you are looking for a unique partner with pricing that fits between a traditional bank line of credit and more expensive commercial finance or FinTech options, consider Live Oak as your financing partner.


Need a little guidance and advice?

Contact an asset-based lending specialist, they’re ready to help.

Connect with an Asset-Based Lending Specialist


Industry Focus

  • Staffing Industry Working Capital

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  • Asset-Based Lending for Distribution Companies

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  • Asset-Based Lending for Manufacturing Companies

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  • Accounts Receivable Financing for Trucking Companies

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Why Live Oak

Service

You need quick decisions and fast processing to meet your working capital needs. At Live Oak, providing asset-based loans to small and medium-sized businesses is our ONLY business. We understand what it takes to keep your business running and offer innovative ABL solutions to meet your company’s needs.

Structure

Whether recourse or non-recourse factoring or a line of credit is the best fit, we assess your situation and recommend the right product and structure to ensure your company finds an optimal balance between availability and affordability.

Access

Live Oak offers flexible solutions, whether factoring or line of credit, with capacity to offer inventory financing. In select situations we also address borrowing base availability to include machinery and equipment (M&E).

Speed

We offer competitive and flexible pricing structures that enable your business to reduce its factoring cost based on how fast you collect payments.

 

Financing Solutions FAQs:

  • Revolving facilities, factoring and lines of credit, generally between $250M and $5MM
  • Availability v. accounts receivable and inventory with selective capacity to include M&E
  • Pricing flexibility beginning at 8% for lines of credit and 10% (annualized) for factoring
  • Advance rates up to 95% v. accounts receivable (based upon historic dilution); and competitive for inventory
  • Concierge service with an experienced account relationship manager to help you manage your account and provide monthly reviews
  • Ongoing, 24-hour funding (after initial credit approval)
  • Lead broker referral program

Our Asset-Based Lending Team
understands your business.

Meet the Team