Working with Live Oak Bank

Live Oak Bank is the country’s leading SBA lender of poultry farm loans,
with over $600 million in loans closed since 2014. Are you looking to start a poultry farm or update your current poultry houses? Live Oak Bank offers financing for new house construction, expansion of existing facilities, retrofits and land purchase for up to $5 million.

Our dedicated poultry team has over 65 years of combined agriculture industry experience. We understand your business from construction bids to receiving birds, and we’ll gladly answer any questions you may have throughout the process.

Connect with a Loan Specialist    View Our Team

Simpler, Faster Financing

Because of Live Oak’s cash flow lending model, you’ll receive competitive rates and no balloons, calls or covenants. Longer terms free up your monthly cash flow, so you can keep operating your business as usual. Plus, Live Oak Portal technology streamlines the loan process, giving you live updates and access to your loan progress at any time.

What You Need to Get Started

  • Description of spending/use of proceeds
  • Business tax returns or farm schedules from the past 3 years
  • Personal tax returns from the past 3 years
  • Current profit/loss statement, if available
  • Current growers contract or letter of intent from integrator
  • Copies of construction bids/estimates
  • Farm property questionnaire
  • Personal financial statement

Construction Financing

Specializing in agriculture, our Construction Loan Team works with you, the contractor and the engineer throughout the life of your loan, answering all of your construction questions. We collect and monitor your construction-specific documentation, including contracts, completed construction plan and specifications, insurance and a cost breakdown of the overall project.


Live Oak Bank is the leading SBA lender of poultry house financing nationwide, with  $600 million in loans closed since 2014. If you’re ready to update your current poultry farm, a poultry house retrofit can significantly improve the operation of your farm. Retrofits can include the installment of new feeders, better controllers, ventilation upgrades and improvements to lighting and/or energy-efficiency. Our loan specialists understand the poultry industry and can provide financing from $75,000 to $5 million.

How can you use a loan to upgrade your current poultry farm?

  • New feeders
  • Ventilation upgrades
  • Technology updates
  • Improved controllers
  • Energy-efficiency improvements

Our Agriculture Team

  • Graham Kelly
    General Manager

    Email Graham | 470.228.9601

  • Vance Keaton
    Domain Expert

    Email Vance | 910.247.4464

  • Randy Ratcliff
    Senior Loan Officer

    Email Randy | 479.841.7582

  • Hunter Deweese
    Senior Loan Officer

    Email Hunter | 479.466.4870

  • Ford Williams
    Loan Officer

    Email Ford | 910.796.1653

  • Michael Imming
    Loan Officer

    Email Michael | 910.499.4687

  • Josh Austin
    Loan Officer

    Email Josh | 910.550.2912

  • Sarah Powell
    Loan Officer

    Email Sarah | 910.796.1658

  • Drake Gurley
    Loan Officer

    Email Drake | 910.202.4358

  • Marien Stark
    eLending Associate Loan Officer

    Email Marien | 910.207.0264