One way to improve your business’s cash flow is to refinance existing debt. Why not take out that high priced FinTech debt? By paying less interest or refinancing into a longer term on your business loan you’ll have more money to grow your business.

Discover the Live Oak Advantage

  • Our GovCon team understands your industry
  • Superior customer service for the life of your loan
  • Streamlined and transparent loan process
  • Competitive financing options help you maintain better cash flow

Read the Case Study

Live Oak Bank Refinance Calculator

Use our refinance calculator for a quick snapshot of the savings you may achieve for your business.

Your Current Loan Info


What a Live Oak Bank Loan Could Save You

Your Current Loan
Proposed Live Oak Bank Refinance

*Balloon Payment Risk: Loan structures in which the loan term and the amortization schedule for the loan payments do not match result in balloon payments (or balances) due upon maturity. Loans with balloon payments due at maturity present uncertainty and risks due to the fact that they either require refinancing to be in place at maturity (subject to stability of financing market) or large cash principal payments. All SBA loans with Live Oak Bank are permanent loans with matching loan terms and amortization schedules fully amortizing the balance over the life of the loan.

**Applicable interest rate will vary based upon full credit review and cash flow analysis.

We're ready when you are

Government Contract Line of Credit

Our Government Contract Line of Credit product is tailored to the unique business challenges of federal small business contractors. With a Contract Line of Credit you can leverage anticipated monthly invoices by converting them to cash to fund related expenses.

The U.S. Government is making a concerted effort to award large contracts to small businesses. Before doing so, Contracting Officers are required under the Federal Acquisition Regulations (FAR – Subpart 9.1) to make certain that the potential awardee has the financial capability to execute the contract.

  • Live Oak Bank will provide, at no cost, a financing commitment letter to ensure compliance with FAR- Subpart 9.1.
  • We offer a 90% advance rate on prime contracts; 85% on sub-prime contracts.

Whether you are refinancing existing debt, buying a business, or mobilizing on a new contract award, a Live Oak Bank Contract Line of Credit is available and can be paired with your additional financing needs.

Our Government Contracting Team

  • Patrick Kelley
    Vice President of Strategy & General Manager

    Email Patrick | 202.448.9023

  • Erin Andrew
    Managing Director

    Email Erin | 202.905.0599

  • Eric Rabinovich

    Email Eric | 202.609.8584

  • T.J. Merlo
    Associate Director

    Email T.J. | 910.338.4336