At Live Oak Bank we believe you deserve peace of mind when capital is needed to grow your business. With a dedicated lending team focused exclusively on the insurance industry, we offer insurance agency loans for agents, MGAs, wholesalers and program administrators. Our team has over 40 years of experience in agency operations, financing and mergers and acquisitions, making us well-positioned to help you grow.

We’re Not Most Banks

  • Cash flow driven lending with flexible down payment options
  • 10 year loan terms, no prepayment penalties (longer terms for real estate)
  • Flexible and efficient closings to meet borrowers’ needs
  • Extensive financing options with competitive rates, no balloons, and no covenants
  • Technology-based lending platform streamlines the process with minimal paperwork
  • Consultative relationship that continues after your loan has been financed