FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Live Oak® Express Loans

Small Business Loans that Won't Kill Your Cash Flow

Get an SBA loan up to $350,000 with affordable monthly payments. Funds can be in your account in as little as 25 days.

Eligibility Requirements:

 2+ years in business

 Excellent credit history

 Current on all business and personal debt

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Live Oak® Express is your solution for SBA loans under $350,000. It's built for business owners who need quick access to capital without the typical hassle. With our streamlined application, you can expect fast decisions, fair terms, and transparent funding from the nation’s Premier SBA Lender.

What are the benefits of a Live Oak® Express Loan?

  • 10% to 12.5% APR, on average1
  • Up to 10-year terms1
  • Traditional monthly repayment schedule
  • Transparent closing costs
  • No hidden fees
  • No prepayment penalties
  • No hard personal credit inquiries
  • Customer service based in the United States

What can Live Oak® Express loans be used for?

  • Working capital
  • Equipment purchases
  • Debt refinance
  • Hiring staff
  • Business acquisition1
  • Start-up1
  • Other non-real estate purposes

What is the process to get a Live Oak® Express loan?

  • Connect with our experienced team
  • Complete a streamlined application
  • Get a decision in 48 hours, on average
  • Expedited closing process with digital documentation
  • Receive funds quickly
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Recognized for Excellence

Don't just take our word for it. We've been recognized by top financial publications for our superior service and expertise.

"Live Oak Bank has outpaced Wall Street goliaths in small business lending."

— Forbes

"You can trust this lender with your SBA funding needs."

— Bankrate

"Investopedia’s choice for best overall SBA loan lender is Live Oak Bank."

— Investopedia

While financial publications recognize our expertise, the real proof comes from business owners like you:

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1. Your interest rate, terms and speed to receive funds differ based on your creditworthiness, industry and other factors.

See disclosures for details.