Live Oak Bank specializes in financing for wineries, vineyards, craft breweries, craft distilleries and ancillary businesses nationwide. Our team leverages 75+ years of lending expertise with deep industry knowledge to give you a range of financial solutions. Funds can be used for expansion, acquisition, refinancing, equipment purchases, working capital, construction and more. Our wine and craft beverage loans will be customized to fit your business needs. As a fully committed partner, Live Oak helps you keep more of your money so you can reach your business goals.

We're ready when you are


Live Oak offers loans up to 25 years with no balloons, calls or covenants. Longer terms free up your monthly cash flow so you can continue meeting market demands. We also offer competitive variable-rate and fixed-rate alternatives, plus flexible down payment options. Thanks to Live Oak Portal technology, our transparent loan process keeps you in the loop from application to closing.

Express Business Loans

We’ve made the qualification process easy and will get the funds to you fast—so you can get back to business. Our online loan application simplifies the process through funding, so you know what’s happening through every step.


We love complex deals. Our industry experts are focused on helping small business owners obtain financing, no matter what challenges you may have faced in the past. This consultative role brings a value-added perspective throughout our relationship.

Our Wine & Craft Beverages Team

  • Jeff Clark
    Industry Expert

    Email Jeff | 707.331.9098

  • Tracy Sheppard
    Senior Loan Officer

    Email Tracy | 707.486.4911

  • Randall Behrens
    Senior Loan Officer

    Email Randall | 707.799.8529

  • Kate Smith
    Loan Officer

    Email Kate | 910.798.1211

  • Keith Merklin
    General Manager

    Email Keith | 910.798.1212

  • Jacqueline Crane
    eLending Loan Officer

    Email Jacqueline | 910.687.4937