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

We help you achieve more

We’re on a mission to be America’s small business bank. Our deep knowledge and product expertise help us match you with the best solution to meet your unique needs. We’re proud to invest in America’s business owners because your drive drives us.

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.

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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.

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Our Employee Stock Ownership Plan Team
understands your business

From Our Resource Center

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

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