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SBA Loans

As the nation’s top SBA lender,1 we've guided thousands of small businesses through the SBA loan process.

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We’re a Preferred Lender

As part of the Small Business Administration (SBA) Preferred Lender Program (PLP), we can get capital in your hands faster.

  • We can approve your loan without going through the SBA first, which shortens the approval time
  • Your loan is typically approved three to four weeks faster than with non-PLP lenders

SBA Loan Programs

The Small Business Administration (SBA) serves as the main resource for government-backed business loans. Because a portion of an SBA loan is guaranteed by the government, these loans allow small business owners to obtain capital with less equity than a conventional loan requires.

SBA 7(a) Loan

The most common SBA loan offers flexibility on terms/uses and is a good option for acquisitions, partner buyouts, real estate purchases and refinance.

  • Up to 90% bank financing or higher
  • Fully amortized / no balloons
  • Loan amounts up to $5 million2

SBA 504 Loan

504 loans can be used for buying commercial real estate, financing improvements within that real estate and purchasing large equipment.

  • Low down payment (typically 10%) conserves your cash
  • Fixed or floating interest rates available
  • Loan amounts up to $15 million2

The Live Oak Difference

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Deep Industry Knowledge

Our industry focused, in-house teams’ understanding will guide you through the loan process.

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Efficiency

Our commitment to efficiency and transparency helps you avoid costly mistakes.

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Service

Our Business Analyst Group offers the service and know-how throughout the life of the loan.

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