Live Oak Bank

10/16/2026

Meet Emilie, founder and owner of Gleam Car Wash. ✨🚗

Her first location opened in Denver, CO, and a second followed in Aurora, CO. Gleam is now the busiest detail shop in the metro area and one of the greenest car washes in the country. But building it wasn’t simple. When everything got complicated, the timing of her financing got tight.

Live Oak came in at the right moment. Our team understood Gleam’s business model, brought the know-how and the flexibility to work with it, and gave the business room to ramp up at its own pace.

Today, Emilie keeps growing Gleam and keeps doing what she does best: taking care of her crew and her customers.

See her full story on our YouTube channel: https://go.liveoak.bank/4B7xbHP

Member FDIC. Based on credit approval.

10/16/2026

Meet Emilie, founder and owner of Gleam Car Wash in Colorado.

She’s built one of the busiest detail shops in the Denver area and one of the greenest car washes in the country. She’s kept it going through stretches when everything got complicated. Behind it all is a crew she’s proud of and a culture where people from all backgrounds can thrive.

Car washes are a specialized business, and we love working with the people who run them. Our team came in with the industry know-how and the flexibility Emilie needed, so she could focus on her business and her people. That’s what we’re here for.

In our full video, Emilie shares the story behind her passion and what this journey means to her.

Watch it here: https://go.liveoak.bank/4dE9JI3

Member FDIC. Based on credit approval.

When Emilie Baratta started Gleam Car Wash in Denver, she wasn’t ju...

10/15/2026

We’re thrilled to be named the nation’s #1 SBA 7(a) lender again! Our mission is simple: to be the best bank for America’s small business owners. Every loan we make helps someone open doors, hire a team, or grow something they’ve worked hard to build. Thank you for making us a leader in supporting America’s small businesses and their big dreams.

Member FDIC.

10/14/2026

Buying into a franchise is one of the fastest routes to business ownership. But, financing can seem like the hard part.

Our new guide explains how to finance a franchise with an SBA loan, including:
→ How SBA 7(a), Live Oak® Express, and 504 loans compare
→ What to know about eligibility and the SBA Franchise Directory
→ An 8-step path from research to closing
→ What proceeds can cover, from the franchise fee and buildout to equipment and working capital

Whether you’re exploring your first franchise or planning to expand, reading this blog is a great place to start: https://go.liveoak.bank/47ZujiB

Member FDIC. Based on credit approval.

10/12/2026

Happy National Savings Day! 💰

Give yourself 1 point for each habit on our Savings Scorecard, then swipe to see where you land. Whether you're a 5 or a 0, National Savings Day is a great time to start. 🙌

Open a high-yield personal savings account completely online today: https://go.liveoak.bank/4ifmQlA

Member FDIC.

10/09/2026

Questions about SOP 50 10 8.1? We’re here. 🙌
The SBA just implemented SOP 50 10 8.1 on October 1st, and we’re breaking down some of the biggest changes. Questions will come up - your lender should be ready with answers.

Member FDIC. Based on credit approval.

10/07/2026

Buying a business with an SBA loan? Our own Mike McGinley, who leads small business banking at Live Oak Bank, talked with Inc. about the SBA’s new rules, which took effect on October 1.

Mike's take: "A fairly priced business with solid books is still very financeable with an SBA loan."

If you're planning an acquisition, get your numbers in order early and talk with a lender before you settle on a price. We're happy to be part of that conversation.

Read the full story from Inc.: https://www.inc.com/melissa-angell/the-sba-overhauled-its-loan-rules-heres-who-will-benefit-and-who-may-face-new-hurdles/91410603

Member FDIC. Based on credit approval.

Manufacturers could get lower fees, while business buyers may face bigger down payments, stricter credit rules, and slower approvals.

10/06/2026

Relationships are important, and we couldn't agree more. 🤝

We're grateful to our customer for taking the time to share their loan experience. Behind every loan is a team that shows up, responds quickly, and stays with you every step of the way.

Member FDIC. Based on credit approval.

10/05/2026

Every goal starts somewhere. Maybe yours is a long-awaited trip, a home project, or simply a bigger cushion for whatever comes next. 💼🏡

Whatever you're saving for, an extra $300 can help get you there faster. What's the first thing you'd do with it? We'd love to hear your plans in the comments.
You don't have to wait. For a limited time, open a new personal savings account and complete qualifying actions to earn a $300 BONUS* and start that goal off strong.

Open an account online here: https://go.liveoak.bank/46WWYVj

*View terms and conditions here: https://go.liveoak.bank/4rJJaXz

Member FDIC.

09/28/2026

We asked a few Live Oak employees for the best financial advice they've ever http://gotten.We asked different people in different roles, and one answer kept coming back. 💰

Ready to act on it? A high-yield personal savings account is the best place to start.

For a limited time, open a new personal savings account and complete qualifying actions to earn a $300 BONUS*🚨

Open an account online here: https://go.liveoak.bank/4rJRcQs
*View terms and conditions here: https://go.liveoak.bank/4z3EZsc

Member FDIC.