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 storm water 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 40-year fixed rate financing for water, waste, storm water, and community facilities 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 financing options that could increase your cash flow and provide savings you can pass on to your community.

Talk to our team to determine if your community fits the rural designation.

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Why Live Oak


Trusted Advisors

We are experts in government-backed financing which provides you 1926-B protection against annexation. As an approved government-backed lender, Live Oak Bank has extensive experience providing financing for rural communities nationwide. We are the nation’s largest Renewable Energy for America Program (REAP) lender and the second largest USDA Business & Industry lender based on lending volume. *(Source: USDA, REAP Lender by Lending Volume in FY 2017). Our team has over 50 years’ combined experience in the industry.


Competitive Terms

Our 40-year fixed rate financing is the most competitive in the industry. Choosing a loan with a longer term gives you lower monthly payments and the flexibility to take advantage of future economic opportunities. 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 order and manage the environmental reporting process for you. *(The environmental report cost will be rolled into your loan.) After your loan closes you will have a dedicated business advisor 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.

From our Water & Environmental Program Resource Center