Live Oak Bank

09/07/2026

We're taking a break today to celebrate Labor Day. We will be back to regular hours on Tuesday, September 8th.

09/05/2026

Trying to save up this fall? 🍂 Start here. Six activities that cost absolutely nothing - a walk, a game night, a closet clean-out - so you can put more toward your goals instead of your spending.

Park those savings into a high-yield savings account with Live Oak Bank and have your money work for you. Open an account completely online today: https://go.liveoak.bank/4qTXLPT

Member FDIC.

09/04/2026

Your savings deserve better than average. 💸

Right now, our personal savings account is earning 3.90% APY (Annual Percentage Yield) - one of the top rates you'll find. 📈

Open an account completely online today to see the difference for yourself: https://go.liveoak.bank/4qS1ihs

Member FDIC.

09/04/2026

Each month, Live Oak Bank reviews the latest U.S. Bureau of Labor Statistics jobs report and breaks down what the data means for small business owners - from hiring and wages to planning for what's ahead.

Read our analysis of this month's report and what it signals for your business: https://go.liveoak.bank/46HAiIg

Member FDIC.

09/03/2026

Starting October 1, every 7(a) acquisition gets sorted into one of four types: first-time buyer, an operating company buying a competitor, an internal ownership shuffle, or an employee ownership deal. Which one you are sets your cash flow requirement and how much money you have to bring.

First-time acquisitions are the baseline. The other three categories offer more flexibility on cash flow and down payment, and qualifying for one is a matter of documenting that your deal fits.

Two bigger shifts: any acquisition at or above $3 million now needs an independent examination of the seller's earnings, not just a valuation. And the streamlined small loan program can no longer be used for acquisitions at all.

If you buy, sell, or advise on small businesses, these rules are worth an hour of your time. Our SBA team is always up for a conversation about the details. Reach out to your local lender to discuss these changes.

Read more in our breakdown here:
https://www.liveoak.bank/blog/buying-a-business-with-a-7a-loan-now-works-differently

Member FDIC. Based on credit approval.

Discover how the new SOP 50 10 8.1 rules change SBA 7(a) business acquisitions, impacting cash flow requirements and buyer qualifications.

09/01/2026

Opening a savings account should feel this easy. ⭐ One of our customers put it perfectly: quick to set up, simple to link to their other accounts, and an app that doesn't overcomplicate things. That's exactly the experience we want every customer to have.

Member FDIC.

08/31/2026

Think SBA loans are more trouble than they're worth? 🤔 With an experienced lender, they don't have to be. Our Preferred Lender (PLP) status means a simpler, faster path from application to funding.

Learn more at: https://go.liveoak.bank/4wZi0Nu

Member FDIC. Based on credit approval.

08/28/2026

Cash flow is on small business owners' minds. 💰

Our latest Business Pulse survey found that 45% of small businesses anticipating a credit application say working capital is the driving need.

It's a signal that for many small businesses, the priority right now is having the cushion to manage day-to-day operations with confidence.

Need working capital now? Live Oak® Express Loans can get funds in your hands quickly. Visit https://go.liveoak.bank/4wWs8GK to get started.

Want more data behind the trend? Visit https://go.liveoak.bank/4zI6fxp for a deeper dive into our latest findings.

Member FDIC.

08/26/2026

We asked our employees what small businesses need more of. Their answers? Spot on.
Our takeaway? Time is money - and the right business tools save you both. 💸 🕰️
Check out our business banking tools here: https://go.liveoak.bank/4qGwHUa

Member FDIC.

08/26/2026

Our very own BJ Losch, President of Live Oak Bank, joined Zack Miller of Tearsheet for a wide-ranging conversation on AI in banking, vertical specialization and where human judgment still wins. Give it a listen. 🎙️

➡️ https://tearsheet.co/podcasts/live-oak-banks-bj-losch-on-why-ai-is-an-accelerant-not-a-strategy/

Member FDIC.

BJ Losch, president of Live Oak Bank, explains how the branchless SBA lender is using AI to cut loan closing times to 2 weeks while keeping credit decisions in human hands.