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, reliable wastewater and waste 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, waste and storm water 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.

We also offer financing for Community Facilities.

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

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Affordable Financing For Rural Communities

In this webinar, you will hear more about the financing options available to communities, not-for-profit entities and recognized American Indian Tribes.

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Disaster Relief Loans for Impacted Communities

Live Oak Bank offers disaster relief loans for communities impacted by major storms and natural disasters.

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Why Live Oak


Trusted Advisors

Our lending team has over 50 years of experience supporting rural community infrastructure needs. We are also the highest volume lender nationwide for the USDA’s Rural Business-Cooperative Loan Programs (2018 Rural Energy for America (REAP) Program and Business & Industry (B&I) loan programs combined) and the number one SBA 7(a) lender (by volume (SBA fiscal year 2018).


Competitive Terms

Our 40-year fixed rate financing is extremely competitive compared to most industry financing options. Choosing a loan with a longer term reduces the strain of higher monthly payments on the communities’ current water and waste system. It also reduces the likelihood that rates will need to be increased in the future to service higher debt payments. We can also provide interim financing, and you can lock in your permanent loan rate at the beginning of construction.


Personal Service

We believe deeply in personal service and focus on taking care of you throughout the life of your loan. Our team of loan officers and underwriters will work to reduce the red tape and provide a simplified process and quicker access to the funds you need. We can also roll all third-party reports and/or soft costs into your loan. After your loan closes you will have a dedicated business analyst to help you with any future loan questions as well as identifying further opportunities for your community. Best of all, you control how you operate your service area.

Our Water & Environmental Program Team
your business.

We're ready when you are
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From our Water & Environmental Program Resource Center

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