Live Oak Bank Reviews 

We have worked with many banks in the past, LiveOak service is way superior than the rest we have worked with. We mainly worked with Kav, Tyler and Simms, they were very professional and handled our loan process smoothly. Every step of the way the communication was clear. The whole experience with LiveOak was very good. higly recommend other franchisees to work with them .

I used Live Oak Bank for our SBA loan process, and it has been a 10/10 experience. I want to give a huge shoutout to Logan Thompson, that girl deserves a RAISE!! She is on her game, always available, and knows her stuff. She made a really stressful time, easy thanks to her.

My live oak team was incredible. The process of my loan was easy to complete because they explained every single detail I needed to do. They were easy to communicate with. Megan,Blake,and John helped me throughout the whole process. Great team thank you so much for helping me close my loan! You guys are fantastic!

Grand Dunlop and Brandon Hayes were a real dream to work with. Knowledgable, helpful, friendly, and most importantly, very responsive. Funding an SBA loan was made easier with their guide.

I like that I get a live person when I call each time. good service and I like the idea that they loan my money out to local businesses. small businesses

Extremely disappointed and concerned with the lack of professionalism and communication from Live Oak Bank. After an initial Zoom consultation for an SBA loan for a franchise dog daycare and boarding business, I was instructed to submit highly sensitive information to move the process forward. I provided my complete personal financial info, detailed business plan, and full financial projections. Since submitting those documents at the beginning of May, communication has been non-existent. My loan officer went completely dark. I have attempted multiple follow-ups, only to be met with total silence. While I understand that loan vetting takes time and not every project is a perfect fit, going completely radio silent after collecting someone's private, sensitive financial data is reckless and unprofessional. If a bank does not want to move forward with a project, they owe the applicant a prompt, definitive "no" rather than ghosting them. Borrowers rely on clear timelines for their business planning. Be very cautious about handing over your confidential business details to this team if you expect basic communication or mutual respect. I have since been approved by a local bank in a very timely manner.

This is the best experience I have ever had getting an SBA loan. Tyler, Kav, and Lou made my experience very smooth and quick. They even came to visit me. Relationaships are important and they were there to help and respond quickly every step of the way. They even got the loan closed quickly with a great rate. Thank you! I will definitely use you in the future.

Worked with Nick Padlo to get an SBA loan to acquire another company. The team was very responsive and worked through numerous deals and scenarios with me to get us to where we needed to be.

It was our first time getting any sort of business loan and Nick and his team helped us through the whole process.

Spent 10k to start an and loan process and was told I was approved after spending 30k on feasibility, environmental, surveys and engineering extras. All for them to just pocket the cash and stop responding. One star is 10 times better than what they were. Terrible

I work in in-home care and have obtained 2 SBA loans through Live Oak Bank for business acquisition. The entire team has been very responsive to all requests and they communicate well regarding timelines and needed items. Louise, Allison, Megan, and Zach were all fantastic. They were transparent throughout the process and always professional. I would recommend them to anyone considering an SBA loan and I will gladly go back to them again in the future if I have the opportunity.

Best team ever. Second loan and I’m super proud of all the team. Very knowledgeable excellent communication and super easy and friendly to work with.

I had the pleasure of working with Kaelin, Lilli, and Megan on my SBA loan for Lightbridge, and they were absolutely amazing. They were on top of everything, incredibly responsive, and kept the process moving in a timely and efficient manner.

I truly felt supported every step of the way and consider myself very lucky to have had them during this process.

I’ve recently identified a site in Virginia and look forward to reconnecting with you all again soon.

Thank you again for everything!

We recently went through the SBA lending process with Live Oak Bank. Caleb Ward and Brandon Hayes were dedicated professionals in helping us through a process that we had no experience with. Although the requirements can be rigorous (particularly for a ROBS funding mechanism) Brandon was by our side every step of the way. His persistence, strong communication capabilities and proactive problem solving proved to be a huge assist in getting us to a successful closing. Thanks, Brandon and Caleb for your hard work on our behalf!

Amazing customer service. Everyone I worked with throughout the loan process was great and made sure I was fully in the loop and understanding the process. It feels like they want me to succeed in my new business, and they are available to help make that happen, even after the loan closed. Definitely recommend.

I had an exceptional experience working with Live Oak Bank from start to finish. The entire team demonstrated a level of professionalism, responsiveness, and efficiency that truly stood out.
Grant, the underwriter I initially worked with, was outstanding. He was incredibly responsive and transparent throughout the process. What impressed me most was his reliability — he consistently did exactly what he said he would do, and within the timeframe he promised. In lending, where timelines can often feel uncertain, that level of follow-through made the entire experience much smoother and far less stressful.
While Grant was out of the office, Kara stepped in and picked up the process seamlessly. She was amazingly fast, attentive, and clearly well-versed in the details of my file. Her ability to keep everything moving without any delays was impressive and showed how strong the team collaboration is at Live Oak.
Brandon, the closer, was equally excellent. He was extremely detailed, organized, and efficient when it came time to finalize everything. He made sure every document and step was handled quickly and clearly, which helped the closing process move along smoothly.
You often hear stories about how long SBA loans can take. Honestly, I can’t relate to those stories because my loan closed lightning fast. The process moved quickly without sacrificing communication or attention to detail, which made the entire experience even more impressive.
Overall, my experience with Live Oak Bank was fantastic. The team was responsive, professional, and truly committed to delivering on what they promised. I’m incredibly grateful for how quickly and efficiently everything was handled, and I would absolutely recommend Live Oak to anyone looking for a reliable lending partner.

Live Oak is quick, efficient, professional, and to the point. These, on top of being very competitive with deposit interest rates and loan interest rates. I can't ask for more.

I had a great experience with live oak bank! Josh made the SBA financing of my businesses new building simple and affordable. He was patient and easy to deal with.

Brandon Hayes and Tyler Singleton were extremely professional and timely in completing my loan process. I consider myself a fairy "picky" doctor when it comes to systems and follow through, and I was quite impressed with their professionalism and how easy they were able to make an otherwise complicated process for a newer business owner. Many thanks also to Mike Stanton for his outstanding work and guidance throughout the process. I am so pleased with my experience with Live Oak Bank, and will most certainly be working with them for future projects. 10 Stars!!

I had a great experience working with Live Oak Bank on my SBA loan. From start to finish, the process felt seamless and organized, and everything was handled with clarity and professionalism.

The team was responsive, thorough, and genuinely supportive throughout the entire process. I always knew what was needed and felt guided every step of the way, which made a big difference during such an important milestone for my business.

I would absolutely recommend Live Oak to other small business owners.

The guidance, expertise, and personal touch truly made the entire business loan process easy and even enjoyable. Everything was explained clearly, questions were answered promptly, and I felt supported every step of the way.