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

Live Oak® Express Loans

Fast small business loans that won’t kill your cash flow

$10,000 to $350,000 SBA loans funded in 20 days, on average, with affordable monthly payments.

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Seize opportunities without excessive rates & fees

 

 10% to 12.5% APR, on average1

 7 to 10-year terms, on average1

  No prepayment penalties 

 No hidden fees

  Transparent closing costs

  Traditional monthly repayment schedule 


 

Partner with America's Premier SBA Lender

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Quick decisions and transparent closing costs.

  • Get a decision in 48 hours, on average
  • Expedited closing process with digital documentation
  • Funding within 14 days of talking to a loan specialist, on average

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    Safe and easy application process.

  • We don't sell your information to third parties
  • Work directly with our experienced loan specialists
  • No hard personal credit inquiries

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    Top-tier customer service and loan servicing.

  • Loan specialists and customer service based in North Carolina
  • Customer service answers phone calls in 1 minute or less
  • Full access to loan details through Live Oak's online banking

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    Live Oak® Express loans fund working capital, equipment purchase, debt refinance, onboarding new staff, and other non-real estate purposes. 

    You bring:

    • 2 years in business
    • Excellent credit history
    • Current on all business and personal debt
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    Live Oak Loves Small Business

    Live Oak Bank has served over 60,000 small businesses since 2008. The premier SBA lender, Live Oak is on a mission to be America’s Small Business Bank. 

    We hope that your Live Oak Express loan is just the beginning of our relationship. We're committed to building a long-term partnership, providing dedicated support and a suite of business solutions to help you thrive.

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    1. Your actual interest rate and terms may differ based on your creditworthiness.

    See disclosures for details.

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