Live Oak Banking Company
SBA lender based in North Carolina serving 53 states and 86 industries
Is Live Oak Banking Company the right SBA lender for your deal?
Live Oak Banking Company has funded 16,561 SBA loans across 53 states and 86 industries. Their average loan size is $1.3M. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. Historical volume is not a quote. PeerSense does not speak for Live Oak Banking Company.
Live Oak Banking Company is an SBA Preferred Lender (PLP), a designation the SBA grants to lenders with delegated authority to approve 7(a) loans in-house, which speeds underwriting and closing. Live Oak Banking Company has funded 16,561 SBA 7(a) loans across 53 states, averaging $1.3M per loan. PLP status means the lender does not have to send each file to the SBA for review, a material edge on turnaround for qualified borrowers.
Top Lending States
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Talk to PeerSenseFOIA history for Live Oak Banking Company
FOIA history for Live Oak Banking Company: 16,561 SBA loans across 53 states, average size $1.3M. Highest-volume NAICS in the tape: Limited-Service Restaurants. Highest-volume state in the tape: California. Resolved-loan charge-off rate: 3.1%. That is history, not a buy box and not a prediction they will fund your file. Tell us about your deal.
Recent SBA Activity at Live Oak Banking Company
Franchise lending: Live Oak Banking Company has funded SBA loans for multiple franchise concepts, with the highest volume in AMERIPRISE FINANCIAL, Anytime Fitness, and Home Instead/Home Instead Seni. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.
Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Securities & Financial Investments, and Repair & Maintenance. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are California, Texas, Florida, North Carolina, and Illinois. Lenders typically underwrite faster in states where they already have closing comps.
Compare Live Oak Banking Company to Similar SBA Lenders
Other SBA lenders headquartered in North Carolina with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
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About Live Oak Banking Company SBA Lending
Live Oak Banking Company is an SBA lender headquartered in North Carolina. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
Live Oak Banking Company serves borrowers across 53 states and 86 industry sectors, making it a national SBA lender with broad geographic coverage. To find out whether Live Oak Banking Company is a good fit for your specific deal, reach out to PeerSense for a free lender match.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.
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See Related Rates by Program
PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of September 1, 2026.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5–3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60–7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00–14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel is search only. Public floor $10 million and up. Cash in about 35 percent.
Private Credit
7.80–18.00%Non-bank flexibility. Public CRE floor $10 million and up.
DSCR Investor
SearchSearch path. Public CRE floor $10 million and up.
Indicative only, as of September 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.