Live Oak Bank is a niche commercial bank providing growth capital to lower-middle market and middle market sized businesses nationwide. Our middle market lending team focuses on lending to strong, cash flow-based businesses historically in non-cyclical, low capital intense industries with recurring revenues.

Regardless of tangible collateral values, Live Oak’s sponsor finance lending group can provide your business the capital it needs. Whether you are pursuing growth through acquisitions, seeking assistance in an ownership transition, or simply looking for a bank that understands your service-based business — we can support your goals. Here’s an overview of our qualifiers.

Typical Customer Profile

EBITDA from $1 million to $12 million
Less than $125 million in revenues
$5 million to $35 million in debt facilities
Sponsor and non-sponsor led transactions

Businesses Served

Cash flow-based businesses
Recurring revenues
Low capital intensity

Loan Structures

Acquisition and development lines of credit
Revolving lines of credit for working capital
Stock redemption facilities
Term loans
Unitranche

Loan Uses

Mergers and acquisitions
Partner buyouts
De novo development
Refinance
Working capital
Recapitalizations

We help you achieve more

We’re on a mission to be America’s small business bank. Our deep knowledge and product expertise help us match you with the best solution to meet your unique needs. We’re proud to invest in America’s business owners because your drive drives us.

Our Middle Market Team
understands your business

From our Middle Market Resource Center

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