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.

Connect with a Loan Specialist

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.

Learn More

Why Live Oak


We’ll take you where you need to go with our deep industry and product expertise. Our team understands the ins and outs of different business models, and we package your loan accordingly. Every industry has its own nuances and our lenders get that. When it comes to matching your businesses with the best loan, you can trust that it will be the ideal fit.


Our commitment to efficiency and transparency helps you avoid costly mistakes. We work hard to streamline the entire loan process, from the initial conversation to the day you get your money. Throughout your Live Oak experience, we’ll keep you updated and informed. By taking advantage of next-generation technology, your loan will move through each stage seamlessly. Our experienced team knows that your time is valuable, and we won’t waste any of it.


We strive to provide unmatched service and an unwavering dedication to your success. Our customers are at the heart of everything we do at Live Oak. We like to say that we treat every customer like our only customer, and we honestly mean that. Your hopes, your dreams and your goals hold a lot of weight – it is what we work together to achieve. Going above and beyond for you is simply how we operate. We can only say that we’re successful when you are too, so we’ll do everything in our power to make that happen.

Our Water & Environmental Program Team
understands your business.

We're ready when you are
Connect with a Loan Specialist

From our Water & Environmental Program Resource Center

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