Financing Expertise for a More Sustainable Future

The bioenergy industry is complex, but the financing doesn’t have to be. In the past, the bioenergy industry has suffered from a lack of access to affordable capital. Our bioenergy lending team provides project-level nonrecourse debt financing for bioenergy developers nationwide to build, renovate or acquire systems that generate renewable energy, fuel or bioproducts from various biomass/waste feedstocks. Our team knows how to properly leverage a construction project to ensure that the cash flows and project returns stay in the developer’s pocket.

We utilize a number of loan programs to extend project-level and construction to permanent loan financing for waste-to-fuel systems, waste-to-energy technologies and bioproducts such as anaerobic digesters, landfill gas systems, biomass to energy and biorefineries. Our options are great for project developers planning to build while maintaining strong profit margins in a complex industry.

We understand the nuances associated with the advancement of clean energy solutions and project development. Because we understand this industry, we’re well-equipped to provide developers with customized loan packages to meet the specific needs of their projects. We can help you sufficiently leverage your project and increase your ownership, which enables you to generate higher returns from day one.

Need a little guidance and advice? Contact a loan specialist, they're ready to help

Connect with a Loan Specialist

If you're ready to get started, apply now.


Being a first of its kind project for not only the state, but the region and the feedstock source, Live Oak really dove in and really understood what we were trying to do. Their underwriting team and Max, I can’t even begin to name all of the folks that were involved in this process, but they were wonderful. They dove through everything we sent to them...there is nobody better to partner with.”

- Mark Maloney, Founder, OptimaBio

See how we helped  

Overview: the Renewable Energy Lending Process

We help make a complicated process simple. Check out Understanding the Renewable Energy Lending Process for a simple financing overview.

Learn More

Case Study: OptimaKV

Check out our latest waste-to-energy construction project, a multi-site renewable natural gas production system using captured methane from swine waste.

Read Now

Why Live Oak

https://www.liveoakbank.com/wp-content/uploads/2018/11/18-LOB-RE-FavorableTerms-SI-1024x604-1.jpg

Favorable Terms

We understand that energy and fuel systems typically have high capital expenditure (CAPEX), and therefore require an appropriate amount of leverage with longer maturity and amortization terms. We also understand the risks associated with tipping fees, materials pricing, commodity risk and environmental attributes in the value stack. With long-term fixed interest rates in the single digits, flexible rolling reserves to hedge against pricing risk and 10+ year maturity with upwards of 75 percent loan-to-cost, our project-level loans are well suited for renewable energy development.

https://www.liveoakbank.com/wp-content/uploads/2018/11/18-LOB-RE-Expertise-SI-1024x604.jpg

Expertise

Our team of lenders is dedicated solely to this space and does not focus on any other industries. We only work with developers involved in bioenergy and biofuels, and remain a partner to them throughout the entire process-from start to finish. Live Oak is the largest lender in the USDA Renewable Energy for America Program (REAP) and the second largest lender in the Business & Industry (B&I) program, having closed almost $600MM in loans to the renewable energy sector since 2016. Our team has experience in every part of the development cycle and understands the sensitive timelines involved with getting projects on the grid.

https://www.liveoakbank.com/wp-content/uploads/2018/11/18-LOB-RE-Relationships-SI-1024x604.jpg

Relationships

Unlike other financing institutions, we are not solely interested in one-off project financing. We are a relationship lender and seek to partner with developers who wish to build several projects in the most efficient and effective way possible. After our loans close, customers are partnered with a dedicated Business Advisor who assists with loan questions, performs energy analyses on quarterly performance metrics and makes ongoing visits and suggestions on how to improve the business. Our relationship with you extends beyond the loan process because we truly care about the success of your projects.

Our Bioenergy Team
understands
your business.

From our Small Business Resource Center