We know that you have the long-term interests of your community at heart. Part of taking care of your community is leaving it better for the next generation by improving its infrastructure and economic opportunities. While safe drinking water and wastewater disposal are essential to a healthy and thriving community, projects like replacing water distribution lines, construction of a new wastewater facility, or tank rehabilitation or installation can be burdensome and expensive for a rural community.

However, our speed, efficiency and up to 40-year fixed rate financing for water and wastewater programs for rural and unincorporated communities enable you to get your projects started faster and help make your project affordable. We feel strongly about being a champion for rural communities across the country and look forward to providing water and wastewater financing options that could provide savings you can pass on to your community. Talk to our team to determine if your area fits the rural designation with the USDA.

We also offer financing for Community Facilities.


The journey to obtain a USDA loan involves multiple steps. In our process overview, we explain how you get approved and when you will receive your money.

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Rural Community Water System Upgrade Case Study

Thanks to their WEP funding, OWSC can provide wastewater services to an additional 900 customers and has the capacity to service the future growth of their rural community.

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Our Water & Environmental Program 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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