Key facts
| Product | SBA & small-business loans |
| Funding type | SBA & small-business bank loans |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 6 weeks |
| Typical size | Up to $5M |
| Term | 12–120 months |
| Requirements | Existing revenue · Personal guarantee |
| Regions | US |
| What they underwrite | Your cash flow & founders |
| Collateral | Business assets + personal guarantee |
| How you repay | Fixed monthly |
| Dilution | None |
The estimated rate for Live Oak Bank, as of today, is shown to approved members. Sign in to see it.
Live Oak Bank pros and cons
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Slow: about 6 weeks to cash
- Pricing isn't public
- Requires a personal guarantee
- US only
Profitable or cash-flowing businesses wanting long, cheap, fixed-payment debt.
Slow, paperwork-heavy, personal guarantee required, US only.
Live Oak Bank alternatives
Other SBA & small-business bank loans providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| SBA Express Via participating banks |
Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee | Compare → |
| SBA 7(a) loan Via participating banks |
Rates shown to approved members | About 2 months | Existing revenue · Personal guarantee | Compare → |
Compare Live Oak Bank
Live Oak Bank FAQ
How much does Live Oak Bank cost?
The estimated rate for Live Oak Bank, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Live Oak Bank's underwriting.
How fast does Live Oak Bank fund?
About 6 weeks from application to cash, based on typical timelines.
What are Live Oak Bank's requirements?
Existing revenue, personal guarantee. Available in US.
How much can you get from Live Oak Bank?
Up to $5M. Terms run 12–120 months.
Does Live Oak Bank require a personal guarantee?
Yes. Live Oak Bank asks for a personal guarantee.
What are the best alternatives to Live Oak Bank?
Other SBA & small-business bank loans providers include SBA Express (about 4 weeks); SBA 7(a) loan (about 2 months). Compare all 3 side by side on B2B Agent.
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Is Live Oak Bank your best option?
Price Live Oak Bank against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.