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

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

Decision

Efficient underwriting and credit decision process.

Closing

Expedited closing process with digital documentation.

Servicing

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