Value proposition

We are on a mission to be America's small business bank.

Live Oak Bank has had the privilege of helping thousands of passionate, driven people turn their dreams into reality. These everyday heroes aren’t in it for the fortune or the fame. They’re in it to make a difference, just like we are.

As one of the last banks to get a charter before the start of the Great Recession, Live Oak emerged out of the rubble of 2008 as the first bank to keep the customer at the center of the business model. We put a groundbreaking spin on what banking could be, focused on service and technology to redefine banking.

Live Oak is a digital, cloud-based bank serving small business owners in all 50 states. We are the #1 SBA 7(a) lender by dollar volume* in the country and our mission is to be America’s small business bank. We aim to fulfill that mission through banking products that help business owners buy, build and expand, along with FDIC-insured checking, high-yield savings and CD accounts to grow their hard-earned money. Our family of companies under the holding and parent company Live Oak Bancshares (NYSE: LOB), and our subsidiaries, partner with businesses who share a groundbreaking focus on service and technology to redefine banking.

Our mantra is to treat every customer like the only customer and our mission is to be America’s small business bank.

Veterinary Loans, Dental Loans, Pharmacy Loans, Death Care Loans, Investment Advisory Loans, Medical Loans, Family Entertainment Center Loans, Agriculture Loans, Wine and Craft Beverage Loans, Self-Storage Loans, Hotel Loans, and Independent Insurance Agent Loans