Two male business owners discussing how SBA lenders helped grow their small business.

SBA Lenders

Our SBA lending experience is your advantage

Live Oak Bank’s seasoned SBA lenders use SBA loan products across many industries nationwide. We work with brokers, intermediaries and individuals to support business acquisitions, partner buyouts and real estate purchases.

Comprised of some of the country’s leading SBA lenders, this team has successfully closed billions of dollars. With Live Oak’s Preferred Lender (PLP) status, you’ll enjoy a simpler, faster loan process and a customer experience you won’t find with other banks.

SBA COMBINATION FINANCING

SBA Loan + Conventional Loan = Capital to Help You Achieve More

If you have a project that exceeds the SBA 7(a) $5 million limit, our combination financing program can be a creative solution. We pair an SBA 7(a) loan (of up to $5 million) with a conventional loan (amount based on need) and a line of credit when needed.

Loan Terms and Structure

  • Up to $9 MM combination
  • Amortization of 7–10 years
  • Competitive bank interest rates
  • Used for acquisitions of companies with an enterprise value of $7–10 million and potentially higher

Loan Uses

  • Acquisition
  • Expansion
  • Partner buyout

Personalized Service You Deserve

We’ll meet you where you are, whether that’s creatively structuring a small business loan or helping you maximize your money with a high-yield savings account. No need to jump through hoops for our attention — get the service you deserve from Live Oak Bank.

EXPANSION THROUGH COMMERCIAL REAL ESTATE

Live Oak Bank specializes in financing business expansions through the purchase of commercial real estate with SBA loans.

JOIN OUR M&A OFFICE HOURS

We walk buyers targeting businesses in the $1MM to $12MM price range through the financing process, explain how we pre-screen deals before LOI and answer your questions.

Our SBA Loan Specialists Understand Your Business

We're ready when you are

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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