We’re proud to support America’s small business owners. Learn more about how Live Oak offers a different approach to small business lending. #dedicatedtothedoers #SmallBusiness #smallbusinessowner

Live Oak Bank’s third quarter 2026 results are in. Here’s a look at the numbers. - Loan Production: $2.1 billion (up 29% YoY) - Checking Balances: $508 million (up 39% YoY) - Live Oak® Express Production: $107 million (up 173% YoY) - EPS: $0.52 (down 5% YoY) “The fundamental story at Live Oak is that our franchise is getting stronger. The earnings power of this business is expanding because revenue growth is meaningfully outpacing expenses, our loan origination engine is running strong, and our strategic initiatives are delivering results,” said Live Oak Chairman and CEO James S. (Chip) Mahan III. Read the full results: go.liveoak.bank/4sljO2z Member FDIC.

New on the Live Oak Bank Resource Center: How AI is Changing the Way Small Businesses Manage Cash Flow 💸🙌 When it’s used the right way, AI can help owners flag a shortfall weeks before it hits, get paid faster, time bill payments, and see their financing options earlier. Read it on the Resource Center: go.liveoak.bank/3WiUU7N Member FDIC.

Business opportunities don't wait, and neither should you. 🚀 From new equipment to unexpected expenses, Live Oak® Express helps business owners move when opportunity knocks. Whether you're expanding capacity or covering a surprise cost, having financing ready means you can say yes when it counts. ⌛ Learn more at go.liveoak.bank/3U2pphJ Member FDIC. Based on credit approval.

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: go.liveoak.bank/4yYnzgY Member FDIC. Based on credit approval.

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: go.liveoak.bank/4i9L5R8 Member FDIC. Based on credit approval.

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.

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: go.liveoak.bank/3U3IIHp Member FDIC. Based on credit approval.

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: go.liveoak.bank/3TMQ2qN Member FDIC.

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.

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: go.liveoak.bank/4rLLuxg *View terms and conditions here: go.liveoak.bank/4zcBgZc Member FDIC.

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: go.liveoak.bank/4rziadg *View terms and conditions here: go.liveoak.bank/4rxPmBS Member FDIC.

This summer, our interns didn't just learn the ropes, they made an impact. From day one, they brought curiosity, hustle and big ideas to every project, and left with a real understanding of what it means to work at Live Oak Bank. We're proud of what they accomplished and grateful they chose to spend their summer with us. 🙌🚀 Member FDIC.

Great news: our personal high-yield savings account just got a rate increase. 📈 That means your money earns more, without you having to do anything differently. And right now, you can also earn a $300 cash bonus* when you complete a few qualifying actions. 💸 Whether you're building an emergency fund, saving toward a goal, or just want your cash working harder, now's a good time to take a look. Open an account completely online today: go.liveoak.bank/4xvNGdC *See full terms and how to qualify:  go.liveoak.bank/4cPytwu Member FDIC.

Acquiring a business this size isn't easy. It takes hard conversations, running the numbers again and again, and a deadline that doesn't move - all while never losing sight of why you're doing it. For Zubin Kapadia, that meant a large deal that needed a lender with the knowledge to match it. Live Oak was in it with him every step. Through the tough calls, the numbers and the countdown to closing. But through it all, his "why" never changed: the caregivers and clients of Right at Home, and the people who depend on them every day. Member FDIC. Based on credit approval.

Live Oak Bank is proud to be named the Official Business Bank of UNCW Athletics. UNCW has shaped Live Oak for years; more than 200 teammates are Seahawk alumni, and our people regularly mentor and volunteer on campus. Supporting Seahawk athletics is our way of investing in the university and the Wilmington community that built us, the same community our small business customers call home. Because that's who we're really here for: local business owners, the students who'll run those businesses next, and the city that connects them all. Go Seahawks! Take a look at the full press release here: go.liveoak.bank/4r79V81 Member FDIC.

We just hit 2,000 Trustpilot reviews, and every single one comes from a customer who took time out of their day to share their experience. 🤩 Thank you to everyone who has contributed to our 2,000 reviews! If you're a Live Oak customer, we'd love to hear from you too: go.liveoak.bank/4ys5KWP Member FDIC.

We just wrapped up another summer internship program at Live Oak Bank and we're excited to share what it's all about. 🎥 Our 10-week internship isn't just about resume-building, it's about immersing yourself in the real work and culture of the bank. Our interns take on meaningful projects, collaborate with teams across the organization and walk away having learned something about the bank, something about themselves and hopefully made a few lifelong friends along the way. Check out the video below to see what this summer looked like through our interns' eyes: go.liveoak.bank/46BqS1f Interested in joining us next summer? Keep an eye out on our careers page for when applications go live starting 9/16: go.liveoak.bank/4A0V0Al Member FDIC.

Home care is a specialized business. It deserves a specialized lender. When Zubin Kapadia set out to acquire another Right at Home agency, he needed a partner who understood the industry, the licensing, the labor model and the day-to-day realities of caring for people in their homes. That's what he found working with our specialized team at Live Oak. A team that knew the industry, moved at the right pace and helped him get the deal structured in a way that made sense. Today, Right at Home is in good hands, and Zubin is focused on what matters most: taking care of his people and taking care of his business. Member FDIC. Based on credit approval.

Scaling a home care business takes more than capital - it takes a lender who actually understands the industry. 🙌 That's what Zubin needed when the opportunity came to acquire another agency and expand Right at Home of North Shore Long Island across New York. Hear Zubin's story and the role Live Oak's senior care lending team played in helping him get there: go.liveoak.bank/3UIJI3J Member FDIC. Based on credit approval.

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