Live Oak Bank

𝗕𝗶𝗴 𝗡𝗲𝘄𝘀 𝗳𝗼𝗿 𝗦𝗺𝗮𝗹𝗹 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗢𝘄𝗻𝗲𝗿𝘀 𝗟𝗼𝗼𝗸𝗶𝗻𝗴 𝘁𝗼 𝗚𝗿𝗼𝘄 The SBA just announced updates to its 7(a) and 504 loan programs (effective July 4, 2026), and they open up more flexibility and funding opportunities for your business. 𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝘁𝗵𝗮𝘁 𝗺𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂: More access to capital You can now pursue 𝟱𝟬𝟰 𝗿𝗲𝗮𝗹 𝗲𝘀𝘁𝗮𝘁𝗲 𝗼𝗿 𝗲𝘅𝗽𝗮𝗻𝘀𝗶𝗼𝗻 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗶𝘁 𝗯𝗲𝗶𝗻𝗴 𝗿𝗲𝗱𝘂𝗰𝗲𝗱 𝗯𝘆 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝟳(𝗮) 𝗹𝗼𝗮𝗻𝘀 giving you more room to invest in your business. 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 Businesses can now combine loan types more strategically, such as:  • Using a 𝟳(𝗮) 𝗹𝗼𝗮𝗻 for working capital or equipment  • Pairing it with a 𝟱𝟬𝟰 𝗹𝗼𝗮𝗻 for real estate or major facilities 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗺𝗼𝗿𝗲 𝗶𝗻 𝗮 𝘀𝗶𝗻𝗴𝗹𝗲 𝗽𝗿𝗼𝗷𝗲𝗰𝘁 With updated rules, a 504 loan can now cover 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗮𝘀𝘀𝗲𝘁𝘀 𝗮𝘁 𝗼𝗻𝗰𝗲—like purchasing a building and funding a production line. 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱 𝗹𝗶𝗺𝗶𝘁𝘀 𝗳𝗼𝗿 𝗸𝗲𝘆 𝗶𝗻𝗱𝘂𝘀𝘁𝗿𝗶𝗲𝘀  • Up to $𝟱.𝟱𝗠 𝗽𝗲𝗿 𝗽𝗿𝗼𝗷𝗲𝗰𝘁 for manufacturers and energy-related investments  • Even 𝗴𝗿𝗲𝗮𝘁𝗲𝗿 𝘁𝗼𝘁𝗮𝗹 𝗰𝗮𝗽𝗮𝗰𝗶𝘁𝘆 for qualifying projects If you’ve been thinking about expanding, buying real estate, upgrading equipment, or scaling operations 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗻𝗼𝘄 𝗵𝗮𝘃𝗲 𝗺𝗼𝗿𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂 𝗱𝗶𝗱 𝗷𝘂𝘀𝘁 𝗮 𝗳𝗲𝘄 𝗺𝗼𝗻𝘁𝗵𝘀 𝗮𝗴𝗼. These changes are designed to help small businesses 𝗴𝗿𝗼𝘄 𝘀𝗺𝗮𝗿𝘁𝗲𝗿, 𝗳𝗮𝘀𝘁𝗲𝗿, 𝗮𝗻𝗱 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗰𝗮𝗽𝗶𝘁𝗮𝗹 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗶𝗻 𝗽𝗹𝗮𝗰𝗲. If you’re curious how this could apply to your business, let’s connect. Member FDIC. Based on credit approval.

Hiring plans are mixed for small businesses. 💼 Our Q2 BusinessPulse shows 9% expect to increase the number of full‑time employees over the next 12 months, while 12% anticipate a decrease. If hiring is on your radar, take a look at these hiring and retention tips: https://lnkd.in/eBNNEMnT View the full report here: https://lnkd.in/eWp83zSZ Member FDIC.

Stuck in “low savings mode”? A high-yield personal savings account can help turn small steps into meaningful growth over time. 📈 PLUS, you have the opportunity for a $200 BONUS* when you open an account with Live Oak Bank and complete all qualifying actions! *Full terms and conditions: https://lnkd.in/eMKExXaZ Open an account completely online today: https://lnkd.in/eUS26G_4 Member FDIC.

New blog is out! 🚨 If you’re opening your first business checking account, this one’s for you. This blog breaks down why opening your first business bank account is a big step and how choosing the right partner can set the foundation for everything that comes next. From separating finances to building credibility to preparing for future financing - it’s all in here. Read the full guide and start your business banking journey with confidence: https://lnkd.in/etJgDnU4 Take a look at our business checking options here: https://lnkd.in/eNaypH4s Member FDIC.

Helping our customers succeed is at the heart of everything we do. We’re grateful for the opportunity to support your journey - every step of the way. 🙌 If a small business loan is on the horizon for your business this year, fill out our Contact a Lender Form: https://lnkd.in/eBThaiXG Member FDIC. Based on credit approval.

Traditional savings accounts and high‑yield savings accounts aren’t the same - and the difference can really add up over time. 💰 To help your money grow quicker, we're giving away a $200 bonus* if you open a high-yield personal savings account with Live Oak Bank and complete all qualifying actions. 🙌 *Full terms and conditions: https://lnkd.in/ekb9sgk7 Open an account completely online here: https://lnkd.in/eeVBF5WH Member FDIC.

Thinking about growth? Need funding to get there? Not sure where to start? Start here. 👇 Live Oak Bank is ready to help you take the next step with financing solutions designed around your business goals. Member FDIC. Based on credit approval.

Growth is on the horizon. 📈 According to our Q2 BusinessPulse, 62% of middle market businesses plan to grow over the next five years. Want to learn more? Visit https://lnkd.in/eJa8GTMe for the full report. Member FDIC.

At Live Oak Bank, we believe small business owners need more than just national headlines. That’s why we’re unpacking the April U.S. Bureau of Labor Statistics Jobs Report to explain what the data actually means for your business, and how you can plan ahead. Here are our key takeaways from April's report: https://lnkd.in/eV8CRWGT Member FDIC.

Small Business Week is about the people behind the businesses, and the legacies they’re building. 📈 “I love that small business owners are fully invested in every decision. They're not a committee or a board; they're the person whose name is on the door. That makes the conversations far more meaningful. We're not just talking about loan structures or debt service coverage ratios. We're talking about their legacy, their staff, their patients, and the community they're building in.” — Brandy Keck, Managing Director of Small Business Banking Supporting small businesses means supporting real people, real dreams, and lasting impact - and that’s what inspires us every day. Member FDIC.