STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
16,434
2010–2026
Total Volume
$21.8B
Gross loan amounts
States Active
50
Incl. DC & territories
Programs
7(a) & 504
16434 total segments
Live Oak Banking Company has a strong focus on acquisition financing, with 41% of their deals dedicated to this purpose. This makes them a solid choice for borrowers looking to purchase existing businesses.
With an average 7(a) spread of P+1.98%, Live Oak offers competitive pricing compared to the national median of ~P+2.75%. This could lead to significant savings on interest for borrowers.
Despite having minimal 504 presence, Live Oak's overall growth trend is impressive at +27% year-over-year. This suggests they are actively expanding their lending capacity, which could be beneficial for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 189 504 loans, which use fixed SBA debenture rates.
Top 15 of 53 states where Live Oak Banking Company has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Physician & Dental Offices
Health Care & Social Assistance
Other Professional Services
Professional Services
Finance & Insurance
Finance & Insurance
Retail Trade
Retail Trade
Real Estate
Real Estate
Specialty Trade Contractors
Construction
Agriculture & Forestry
Agriculture & Forestry
Manufacturing
Manufacturing
+ 7 more
All recorded SBA lending activity for Live Oak Banking Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Physician & Dental Offices · $1M – $2M | 7(a) | 126 | P+1.60% | $1.5M | Q3 2025 |
| California · Physician & Dental Offices · $2M – $5M | 7(a) | 88 | P+1.00% | $3.4M | Q4 2025 |
| Florida · Other Professional Services · $1M – $2M | 7(a) | 83 | P+1.75% | $1.5M | Q2 2025 |
| California · Physician & Dental Offices · $500K – $1M | 7(a) | 82 | P+1.95% | $783K | Q4 2025 |
| California · Other Professional Services · $500K – $1M | 7(a) | 70 | P+1.75% | $748K | Q3 2023 |
| California · Other Professional Services · $1M – $2M | 7(a) | 70 | P+1.75% | $1.5M | Q4 2024 |
| Florida · Other Professional Services · $500K – $1M | 7(a) | 65 | P+1.75% | $764K | Q3 2025 |
| Texas · Finance & Insurance · $150K – $350K | 7(a) | 62 | P+2.49% | $278K | Q4 2025 |
| California · Other Professional Services · $2M – $5M | 7(a) | 58 | P+1.00% | $3.7M | Q4 2025 |
| Texas · Physician & Dental Offices · $500K – $1M | 7(a) | 57 | P+2.00% | $735K | Q3 2025 |
| California · Finance & Insurance · $150K – $350K | 7(a) | 56 | P+2.50% | $283K | Q4 2025 |
| California · Finance & Insurance · $500K – $1M | 7(a) | 54 | P+2.04% | $702K | Q4 2024 |
| Colorado · Physician & Dental Offices · $1M – $2M | 7(a) | 54 | P+1.75% | $1.5M | Q1 2025 |
| Texas · Other Professional Services · $1M – $2M | 7(a) | 53 | P+1.75% | $1.5M | Q4 2025 |
| Texas · Physician & Dental Offices · $2M – $5M | 7(a) | 52 | P+1.25% | $3.6M | Q4 2025 |
| Texas · Physician & Dental Offices · $1M – $2M | 7(a) | 52 | P+1.75% | $1.5M | Q3 2025 |
| Georgia · Agriculture & Forestry · $2M – $5M | 7(a) | 51 | P+2.75% | $2.9M | Q2 2025 |
| Arkansas · Agriculture & Forestry · $2M – $5M | 7(a) | 51 | P+2.75% | $2.8M | Q4 2025 |
| Colorado · Physician & Dental Offices · $2M – $5M | 7(a) | 50 | P+1.25% | $3.1M | Q3 2025 |
| California · Manufacturing · $2M – $5M | 7(a) | 49 | P+2.00% | $3.4M | Q3 2025 |
| Texas · Other Professional Services · $2M – $5M | 7(a) | 49 | P+1.00% | $3.3M | Q4 2025 |
| Texas · Other Professional Services · $500K – $1M | 7(a) | 47 | P+1.75% | $756K | Q3 2025 |
| California · Retail Trade · $1M – $2M | 7(a) | 47 | P+2.00% | $1.4M | Q1 2025 |
| North Carolina · Agriculture & Forestry · $2M – $5M | 7(a) | 42 | P+2.00% | $2.8M | Q4 2024 |
| Florida · Other Professional Services · $2M – $5M | 7(a) | 41 | P+1.00% | $3.4M | Q3 2025 |
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Real experiences from borrowers who closed SBA loans with Live Oak Banking Company.
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Matched to real SBA lending records. LenderHawk is not affiliated with or endorsed by these podcasts.