Live Oak Bank’s government contracting line of credit loan solution is tailored to the help federal small business contractors overcome their unique business challenges. We offer an SBA express line of credit for loans up to $350,000 and an asset-based line of credit for loans exceeding $350,000.

For loan amounts that equal $350,000 and below, a contractor can draw on the line of credit whenever needed to cover business expenses. For loans totaling $350,000 and above, a government contractor can leverage monthly invoices by converting them to cash to fund related expenses based on the contractor’s monthly accounts receivable. Live Oak Bank is an FDIC regulated institution, which allows us to provide capital to government contracting firms at lower rates than other lenders might be able to provide.

Securing capital when you need it is critical to the growth of your small business—and all small businesses. Live Oak’s government contracting line of credit products provides federal government contractors with the flexibility and capital they need to scale.

Whether you are refinancing existing debt, buying a business or mobilizing on a new contract award, a Live Oak Bank contract line of credit loan could be a good option to help you get your firm where you want it to be.


There’s no better way to get started than to have your required documentation on hand. Some of the documents you’ll need to start the loan process with us include: Three years of personal and business tax returns, a personal financial statement, a personal resume and a business plan.


When you’re ready to work with one of our loan experts, you can expect to have a conversation devoted to your contracting business, including the details on your loan, your background and the financing options that we have to offer. Your loan specialist will then walk you through the application process so you know what to expect next.


Once your completed application is received, our team will perform an analysis on your financials. Next, the loan officer will issue a proposal to you with information on rates, terms and any collateral requirements. We understand that no two government contracting firms are alike, and we are here to help you better understand your options to grow your small business.

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When you work with Live Oak, consider us a true partner to help you buy, build or expand your business.

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Herby Duverné Case Study

See how we helped Herby Devurné grow his government contracting business.

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Our Government Contracting Team
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From our Government Contracting Resource Center

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