A group of company employees at work discussing the new employee stock ownership plan (ESOP)

Employee Stock Ownership Plan Financing

When a business reaches a certain maturity point, an Employee Stock Ownership Plan (ESOP) can be an attractive substitute to an outside sale. Live Oak Bank understands the complexities of ESOP transactions and will confidently guide you through the lending process. Our dedicated employee stock ownership plan finance team, along with our network of ESOP experts, will craft a unique plan that will help you and your business thrive.

Benefits of Working With Us

Established network of key players critical to an ESOP transaction
Competitive rates
Loan amounts up to $20,000,000
Quick and transparent approval process

Transaction Types

Leveraged financing for 100% sale of stock to ESOP
Financing for second stage ESOP transactions
Leveraged financing for minority sale of stock to ESOP
Merger and acquisition financing
Working capital
Seller note refinancing

ESOP 101

In our employee stock ownership plans blog post we break down what this complex deal looks like, including the potential benefits and risks, and why it’s critical to have a strong team in place to successfully guide you through the process and to the finish line.

CREDIT INQUIRIES AND SOLICITATION CALLS

When you apply for a personal or business loan, a lender pulls your credit score, credit history and any accompanying information from one of the major credit reporting companies. In this blog post we explain why this can cause an increase in solicitation calls and how you can opt out.

Learn More

Our Team Understands Your Business

Mike van Vierzen
VP – Small Business Lending

Email Mike | 317.691.5081

Male using his phone to search for personal banking products

From our resource center

As part of our commitment to supporting small business owners, we have a library of free educational resources available to anyone. Here’s what you can expect to find in Live Oak Bank’s Resource Center:

Loan product overviews
Marketing tips and tricks
Small business fundamentals
Live Oak customer spotlights

See All Business Resources