# Live Oak Bank

> Live Oak Bank (Live Oak Banking Company) is a digital, branchless, North
> Carolina state-chartered commercial bank headquartered in Wilmington, NC, and
> the primary subsidiary of Live Oak Bancshares, Inc. (NYSE: LOB). It is the
> largest originator of U.S. Small Business Administration (SBA) 7(a) loans in
> the country, serving small businesses in all 50 states with SBA and commercial
> lending, high-yield business/personal savings, CDs, and business checking with
> treasury services. In 2024 it launched an in-house embedded-banking /
> Banking-as-a-Service (BaaS) program on a cloud-native Finxact (Fiserv) core.
> Its API surface is real but partner-gated: a production AWS API gateway runs at
> api.liveoak.bank, but there is no public self-serve developer portal, no
> downloadable OpenAPI/Swagger, and no public API reference.

## API surface
- No public API contract. The production gateway at https://api.liveoak.bank
  returns MissingAuthenticationToken/403 to unauthenticated callers and uses
  Live-Oak-specific lob-identity-id / lob-foreign-entity-id headers. Access is
  partner-gated via the embedded-banking / BaaS program (contact sales).

## Company
- Website: https://www.liveoak.bank/
- Our Story: https://www.liveoak.bank/our-story/
- Business banking: https://www.liveoak.bank/business/
- Business loans (SBA): https://www.liveoak.bank/business-loans/sba-loans/
- Business checking + treasury: https://www.liveoak.bank/business-checking/
- Get started (open account): https://www.liveoak.bank/get-started/
- Contact: https://www.liveoak.bank/contact-us/

## Docs
- Support: https://support.liveoak.bank/
- Blog: https://resources.liveoak.bank/blog
- Online Privacy Notice: https://www.liveoak.bank/online-privacy-notice/
- Privacy & Security: https://www.liveoak.bank/privacy-security/

## Optional
- LinkedIn: https://www.linkedin.com/company/live-oak-bank
- GitHub (no public repos): https://github.com/liveoakbank
- Parent (NYSE: LOB): https://investor.liveoakbank.com/