Female small business owner reviewing and documenting her Live Oak® Express business loan funds

Live Oak® Express

Loans for small business owners who need funds fast

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Working Capital

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Equipment Purchase

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Debt Refinance

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Onboarding new staff

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Other non-real estate purposes

Live Oak® Express loans are perfect for small business owners who need access to capital quickly. These term loans are ideal for fueling growth for a variety of business needs including working capital, equipment purchases, debt refinance, onboarding new staff, and other non-real estate purposes. Loans range from $10,000–$500,000.

With Live Oak’s competitive rates and terms, you can expect a streamlined application process and personalized service. Apply for a small business loan and receive a decision quickly.

Loan Features & Benefits

  • Terms up to 10 years
  • Fixed and variable rate options*
  • Streamlined loan process
  • Digital application and loan closing
  • Expedited closing process
  • Transparent closing costs
  • No prepayment penalties
  • No hard personal credit inquiries
  • Get started with simple documentation

Loan Requirements

  • 2 years in business
  • Excellent credit history
  • Current on all business and personal debt

Efficient Lending Process


Connect with our team to discuss current working capital needs and complete a streamlined application.


Efficient underwriting and credit decision process.


Expedited closing process with digital documentation.


Once your loan closes, access full details of your loan using Live Oak’s online banking.

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Customer Spotlight

“Applying and obtaining a small business loan was a great experience. It is a great way to get fast working capital. I also love that it is a fixed interest rate with no prepayment penalty. The folks at Live Oak make the whole process very easy. I highly recommend it for anyone looking for capital for their business.”

Dan Gamm – Investment Advisor

We're ready when you are

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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