# Live Oak Bank

Live Oak Bank is an Asset Manager based in Wilmington, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Wilmington, United States
- **Region:** North America
- **Address:** 1757 Tiburon Drive, Wilmington, NC 28403, United States
- **Founded:** 2008
- **Assets under management:** Undisclosed
- **Website:** www.liveoakbank.com
- **LinkedIn:** https://www.linkedin.com/company/live-oak-bank

## Regulatory record

- **Reports private funds:** No

## About

Live Oak Bank is a bank. It has made one investment, deploying $35 million in total capital. The firm focuses on the biotechnology sector.

## Sectors

- Real Estate
- Healthcare Services
- AgriTech & FoodTech

## Questions

### Who runs investment decisions at Live Oak Bank?

Live Oak Bank does not operate as a traditional investment manager; it is a federally regulated commercial bank. Lending decisions are made by industry-specific loan officers who follow SBA and internal credit policies. The bank's parent, Live Oak Bancshares, is publicly traded and led by founder and CEO James S. 'Chip' Mahan.

### How does Live Oak Bank source its loan deals?

The bank sources loan opportunities through a nationwide team of loan officers who concentrate on specific industries. Instead of relying on walk-in traffic at branches, bankers build domain expertise in verticals like veterinary medicine, self-storage, or government contracting, generating referrals from business brokers, CPAs, and industry networks across all 50 states.

### Does Live Oak Bank participate in fund commitments or only direct loans?

Live Oak Bank engages exclusively in direct loan origination. It does not make fund commitments, take equity positions, or operate a venture-investment arm. The bank retains unguaranteed portions of SBA loans on its balance sheet and sells the government-guaranteed portions into the secondary market.

### Which sectors does Live Oak Bank explicitly avoid?

Standard SBA eligibility rules exclude speculative real estate investment, lending to passive investors, and certain financial-services businesses. Within its 30-plus industry verticals, Live Oak concentrates on owner-operated, cash-flow-positive firms and avoids sectors it does not staff with a dedicated industry specialist.

### Where does Live Oak Bank’s lending capital come from?

The bank funds its loan portfolio primarily through FDIC-insured high-yield savings and certificate-of-deposit accounts gathered nationwide. It also sells SBA-guaranteed loan pools to institutional investors via its wholly owned broker-dealer, Live Oak Capital, generating discipline-matched liquidity for new originations.

## Related profiles

- [IXOPAY](https://altss.com/profile/ixopay)

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Last updated: 2026-06-03T20:00:00.000Z

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