Live Oak Bank offers a variety of flexible lending solutions for insurance agents who wish to remain independent. Are you thinking about purchasing an entire agency? Acquiring a team of producers with a book of business? We’ll work together through our transparent loan process to make sure you receive the best possible deal structure.

Loans can be used for:

  • Merger and acquisition funding
  • Perpetuation funding
  • Consolidation and refinancing of existing loans
  • Working capital
  • Real estate & Construction

Loans That Set Your Cash Free

  • Longer Terms: 10 years for agency loans, 25 years for real estate
  • No balloons, no calls or financial covenants
  • Loan Amounts: Up to $10,000,000 in combination financing
  • Expedited Loans: For loan amounts of $75,000 to $350,000
  • Competitive Interest Rates
  • Fast Closings: On average 45-60 days

Credit Factors for Successful Insurance Loans

Minimum agency revenue of $200,000

Can include revenue of business being acquired

Good personal financial history.
FICO > 650
We're ready when you are
Connect with a Loan Specialist

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

Our Insurance Team
understands your business

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