Insurance Financing Experts

At Live Oak Bank we believe you deserve peace of mind when capital is needed to grow your business. With a dedicated lending team focused exclusively on the insurance industry, we offer insurance agency loans for agents, MGAs, wholesalers and program administrators. Our team has over 40 years of experience in agency operations, financing and mergers and acquisitions, making us well-positioned to help you grow.

We’re Not Most Banks

  • Cash flow driven lending with flexible down payment options
  • 10 year loan terms, no prepayment penalties (longer terms for real estate)
  • Flexible and efficient closings to meet borrowers’ needs
  • Extensive financing options with competitive rates, no balloons and no covenants
  • Technology-based lending platform streamlines the process with minimal paperwork
  • Consultative relationship that continues after your loan has been financed

We're ready when you are

Insurance Industry Financing Done Right

Live Oak understands the unique opportunities and challenges facing the insurance industry. We are a committed financing partner no matter what your needs may be.

  • Insurance Agents

    Are you an agent seeking financing for growth? Live Oak is your financial solution.

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  • Industry Distribution

    Considering an acquisition, real estate purchase or refinance? Our industry experts will tailor a loan package to meet the needs of your insurance business.

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  • Refinance to Save Money

    Refinancing existing debt may be one way to improve your insurance agency’s cash flow.

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Our Insurance Team
understands your business.