Diversity Lender
Live Oak Bank
SBA Loans & Veteran Financing
Loan Amount
$50K - $5M
Rate
SBA rates (Prime + 2.25-2.75%)
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Program overview
How Live Oak Bank's diversity lending program works.
Nation's #1 SBA 7(a) lender by dollar amount, approving more than $2.8 billion in 7(a) loans in FY 2025. Specializes in veteran financing and industry-specific lending.
Certifications accepted
Which certifications qualify a business for this program.
Live Oak Bank's diversity lending program is open to businesses holding any of the certifications below. Lenders verify the certification at underwriting, so the certificate needs to be active and in good standing at the time you apply.
Underwriting requirements
Minimums Live Oak Bank sets at application.
Small businesses meeting SBA size standards. Special programs for veterans.
What else this certification opens
Corporate buyers that accept the same certifications.
The certifications Live Oak Bank accepts also unlock the corporate supplier diversity programs below. So the same certification that gets you working capital here can register you as a supplier with these companies.
Compare other lenders
Adjacent diversity lending programs.
Before you borrow
Diversity lenders verify certification at underwriting.
Almost every diversity lender requires an active diverse-business certification on file before approving a loan. The quiz checks which certifications you qualify for and matches them to the lenders that recognize each one, so you can sequence the certification first and the financing second instead of getting denied at underwriting.