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Live Oak Bancshares competitors
and the alternatives

Last updated Oct 19, 2026 · 8 peers · 56 sources cited

Who are Live Oak Bancshares's competitors, and what are the alternatives?

Live Oak's 2025 10-K, filed February 27, 2026, says it competes with the largest national banks, 'all of which have small business lending divisions', with community banks and credit unions, and with finance companies, marketplace lenders and fintech lenders. In its core line, SBA 7(a) lending, it is the largest lender by dollar volume: $2.85 billion in fiscal 2025, up 43%. Huntington grew its 7(a) volume 21% to $1.86 billion, U.S. Bancorp 23% to $871.2 million and M&T more than 40% to $294 million. NewtekOne, a branchless bank like Live Oak, originated $767.8 million of 7(a) loans in calendar 2025. The rivalry now runs through software as well. Huntington is Live Oak's fellow investor and design partner in Casca, and Celtic Bank became Casca's third top-10 SBA lender in April 2026. The non-bank rivals are clearest in small-dollar credit and business deposits. Live Oak co-founder Neil Underwood says small businesses that banks will not serve turn to merchant cash advances or credit cards. Bluevine, whose line of credit is issued by Celtic Bank, had $2.1 billion of deposits from 175,000 small businesses at June 30, 2026. Mercury serves more than 300,000 business customers. On the savings side Live Oak funds itself online, with $14.55 billion of deposits at June 30, 2026, against digital banks such as Ally, Axos and SoFi.[1][2][3][4][5][6][7][8][9][10][11]

Data as of Oct 19, 2026 · Live Oak profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

In its own words

What does Live Oak say about its competition?

"Commercial banking in the United States is extremely competitive. The Company competes with national banking organizations, including the largest commercial banks headquartered in the country, all of which have small business lending divisions. The Company also competes with other federally and state-chartered financial institutions such as community banks and credit unions. Many of the Company's competitors have higher legal lending limits and are also able to provide a wider array of services and make greater use of media advertising given their size and resources."[1]

"The Company also faces competition from non-bank entities, such as finance and business development companies, peer-to-peer and marketplace lenders, other non-bank lenders, and financial technology companies. These non-bank entities are not subject to the same regulatory restrictions as banks and bank holding companies. As a result, they may be able to operate with greater flexibility and lower cost structures."[1]

"Despite the intense level of competition among small business lenders, the Company believes that it occupies a lending category distinct from its competitors. One of the Company's principal advantages is the technology-based platform it uses, which management believes has accelerated the Company's ability to issue proposals, complete credit due diligence, finalize commitments and improve the overall customer experience. The Company believes that its personnel also provide a competitive advantage because they include industry participants with relevant experience in the Company's identified verticals."[1]

From the risk factors of the same 10-K: "Many of our competitors are well-established, much larger financial institutions. While we believe we can successfully compete with these other lenders in our industry verticals, we may face a competitive disadvantage as a result of our smaller size. Furthermore, nothing would prevent our competitors from developing or licensing a technology-based platform similar to the technology-based platform we currently use in our business. In addition, many of our non-bank competitors have fewer regulatory constraints and may have lower cost structures. We expect competition to continue to intensify due to financial institution consolidation, legislative, regulatory and technological changes, including advances in AI and automation, and the emergence of alternative banking sources." (2025 Form 10-K, filed February 27, 2026.)[1]

By business line

Who competes with Live Oak in each of its businesses?

Business lineCompetitorTypeWhy it competes
SBA 7(a) and small business lendingHuntingtonBankHuntington grew its SBA 7(a) volume 21% to $1.86 billion in fiscal 2025, behind Live Oak's $2.85 billion. Casca's CEO says it spent 12 to 18 months in a design partnership with the number-one and number-two 7(a) lenders, Live Oak and Huntington.[2][6]
SBA 7(a) and small business lendingNewtekOne (Newtek Bank)BankNewtekOne's 2025 10-K describes Newtek Bank as a branchless national bank serving small businesses online; it originated $767.8 million of SBA 7(a) loans in 2025 and calls its twenty years as one of the largest 7(a) lenders a competitive advantage.[4]
SBA 7(a) and small business lendingU.S. BancorpBankOne of the largest national banks of the kind Live Oak's 10-K names; it grew SBA 7(a) volume 23% to $871.2 million in fiscal 2025 and is investing in technology and staff for small business lending.[2][1]
SBA 7(a) and small business lendingM&T BankBankM&T's SBA 7(a) volume jumped more than 40% to $294 million in fiscal 2025, among the larger banks that American Banker says do the lion's share of 7(a) lending.[2]
SBA 7(a) and small business lendingCeltic BankBankA top-10 SBA lender that in April 2026 became Casca's third bank partner, after Live Oak and Huntington, giving it the same AI origination software Live Oak co-designed.[6]
SBA 7(a) and small business lendingBluevineFintechA fintech lender of the kind Live Oak's 10-K lists: its small-business line of credit is issued by Celtic Bank, and it had provided over $17 billion of financing (including PPP loans) by June 2026.[1][7][12]
SBA 7(a) and small business lendingMerchant cash advance providersNon-bank lenderLive Oak co-founder Neil Underwood said few banks will underwrite a $200,000 loan, so small businesses turn to merchant cash advances or credit cards; Forbes reported in July 2025 that Live Oak planned to use Casca to take on merchant cash advances.[5][13]
Larger business loans: acquisitions, real estate and specialty verticalsHuntingtonBankHuntington is a large bank with a small business lending division of the kind Live Oak's 10-K says may have higher lending limits; after buying Cadence in February 2026 it had nearly 1,400 locations in 21 states, and it made $1.86 billion of 7(a) loans in fiscal 2025.[1][14][2]
Larger business loans: acquisitions, real estate and specialty verticalsCustomers BancorpBankA business bank built on specialty verticals that markets speed: it piloted closing selected C&I and CRE loans in seven days, down from 30 to 60, in Q2 2026. Live Oak's 10-K cites faster proposals, due diligence and commitments as its own edge.[15][1]
Larger business loans: acquisitions, real estate and specialty verticalsCommunity banks and credit unionsCredit unionLive Oak's 10-K names community banks and credit unions among its competitors; American Banker notes that the vast majority of 7(a) lenders are community banks and credit unions, though larger banks make most of the loans.[1][2]
Business checking and deposits opened onlineNewtekOne (Newtek Bank)BankNewtek launched business checking in December 2023, and growth in its business deposit base helped it pass $1.4 billion of total deposits by December 31, 2025. Live Oak sells business checking that can be opened completely online.[4][16]
Business checking and deposits opened onlineBluevineFintechBluevine had about 175,000 active small-business customers and $2.1 billion of deposits at June 30, 2026; Valley National agreed on September 28, 2026 to buy it for about $340 million, citing its AI capabilities.[8][9]
Business checking and deposits opened onlineMercuryFintechMercury serves more than 300,000 business customers, one in three US startups, and holds OCC conditional approval for a national bank charter; like Live Oak it sells business accounts opened online.[10][17][16]
Business checking and deposits opened onlineAxos BankBankAxos bought Arc Technologies, an AI-native cash-management platform, and is integrating it into its small-business banking; it held $24.6 billion of deposits at June 30, 2026.[18][19][20]
Online savings and CDsAlly BankBankA digital bank that reported 3.6 million deposit customers and 69 straight quarters of customer growth on its Q2 2026 call; Live Oak funds its lending with savings and CDs gathered online, which averaged $6.31 billion and $5.43 billion in 2025.[21][1]
Online savings and CDsAxos BankBankAxos added about $2.3 billion of Jenius Bank consumer deposits in May 2026 and about $1.9 billion of Capital One IRA deposits in September 2026, growing a national deposit base of the kind Live Oak relies on.[22][23]
Online savings and CDsSoFiBankSoFi had 15.8 million members at mid-2026, and its Cash Coach, launched in 2025, looks for low-yielding cash in members' other accounts and suggests moving it, a tool aimed at other banks' deposits.[24][25]
Online savings and CDsMoney market and mutual fundsBroker or asset managerLive Oak's 10-K lists money market and mutual funds and securities brokerage firms among the institutions it competes with in attracting deposits, primarily on the rates it pays.[1]
AI offerings compared

How do the AI and digital offerings of Live Oak's competitors compare?

Live Oak first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

CompanyAI or digital offeringOn the record (our profiles)Latest dated AI move
Live Oak Bancshares (this page)Casca AI loan origination (Live Oak Express)[26][5][6][27]Index 53.1 (#54); 10 use cases, 6 in productionGlia names Live Oak a Catalyst Awards Pacesetter (Oct 8, 2026)[28]
HuntingtonCasca generative-AI SBA origination, with an overnight applicant chatbot reviewed by a banker; deployment planned for 2026[5]Index 84.2 (#13); 17 use cases, 15 in productionNamed a Coverbase enterprise customer (Sep 29, 2026)[29]
NewtekOne (Newtek Bank)Not disclosedNo profileNot disclosed
U.S. BancorpIn-house tools from the AI Center of Excellence[30][31][32][33]Index 81.3 (#18); 18 use cases, 16 in productionVenkatachari: from proving AI to industrializing it (Oct 7, 2026)[34]
M&T BankMicrosoft Copilot on a data-lineage foundation[35][36]Index 75.5 (#28); 14 use cases, 10 in productionRajwani on AI agents and deposit runs (Oct 1, 2026)[37]
Celtic BankCasca AI loan origination (from April 2026)[6]No profileNot disclosed
BluevineIn-house automated underwriting with line-of-credit decisions in minutes; AI chatbot containing about 80% of inquiries[9]7 use cases, 5 in productionLean Team Economy Report (Oct 7, 2026)[38]
Merchant cash advance providersNot disclosedNo profileNot disclosed
Customers BancorpMulti-agentic credit underwriting built with OpenAI engineers on site[39][40]Index 75.5 (#29); 16 use cases, 11 in productionQ2 2026 10-Q: no AI language (Aug 7, 2026)[41][42]
Community banks and credit unionsNot disclosedNo profileNot disclosed
MercuryMercury Command, a natural-language assistant that stages financial work for the user's approval (June 2026)[43]6 use cases, 5 in productionMercury Books: AI-driven accounting (Sep 16, 2026)[44]
Axos BankArc's 'Archie' CFO agent, its first client-facing AI product[18][19]Index 56.7 (#50); 12 use cases, 10 in productionProxy: Technology Committee chair named; Axos Clearing head retired (Sep 24, 2026)[45]
Ally BankAlly.ai and the Personas[46][47][48]Index 76.5 (#27); 13 use cases, 9 in productionCRO: AI should be 'an accelerant', not just something to control (Oct 1, 2026)[49]
SoFiCash Coach and SoFi Coach, a chat-based financial guide (June 2026)[25][50]Index 80.4 (#20); 17 use cases, 14 in productionSoFiUSD settlement live on Mastercard (Sep 22, 2026)[51]
Money market and mutual fundsNot disclosedNo profileNot disclosed
Alternatives

Who should look beyond Live Oak, and where?

If you areLook atWhy
Business owners who want a local branch and bankerHuntington or M&T, which are also among the larger SBA 7(a) lendersLive Oak serves customers through its technology-based platform 'without maintaining traditional branch locations'. Huntington made $1.86 billion of 7(a) loans in fiscal 2025 and has nearly 1,400 locations in 21 states; M&T made $294 million and has 960 branches in 13 states.[1][2][14][52]
Businesses that need a small working-capital line within days rather than an SBA term loanBluevineUnderwriting a Live Oak Express loan took about two weeks once documents were in (April 2026), with a target of seven to ten days from application to funding. Bluevine's line of credit, issued by Celtic Bank, runs on automated underwriting that Valley's deal presentation says can decide in minutes.[6][7][9]
Startups that want an AI assistant built into the business accountMercuryLive Oak's business checking offers QuickBooks connection, ACH, wires and account permissions but no disclosed AI assistant. Mercury launched Command in June 2026, a natural-language assistant that stages payments and other work for approval, and serves more than 300,000 customers.[16][43][10]
Savers who want banking, investing and an AI money guide in one appSoFiLive Oak's personal offering on its site is a high-yield savings account opened online. SoFi has 15.8 million members, launched SoFi Coach, a chat-based financial guide, in June 2026, and launched Composer by SoFi for automated investing strategies the same month.[53][24][50][54]
Small businesses outside Live Oak's chosen industry verticalsA local community bank or credit union, or NewtekOneLive Oak concentrates on carefully selected industry verticals and lends more broadly only to select borrowers outside them. NewtekOne serves small business owners online across industries, and American Banker notes most 7(a) lenders are community banks and credit unions.[1][4][2]
SBA 7(a) volume, fiscal 2025

How does Live Oak's SBA lending compare with its rivals' in volume?

SBA 7(a) loan volume by lender as reported for the SBA's fiscal year to September 30, 2025, except NewtekOne, which reports calendar-year originations in its 10-K. The 7(a) program reached a record $37.3 billion in fiscal 2025.

Lender7(a) volumeChangePeriod
Live Oak$2.85 billion; 2,280 loan approvals+43%Fiscal 2025[2][3]
Huntington$1.86 billion+21%Fiscal 2025[2]
U.S. Bancorp$871.2 million+23%Fiscal 2025[2]
NewtekOne$767.8 million; 2,269 loans-19% (from $943.0 million)Calendar 2025[4]
M&T$294 million+40%+Fiscal 2025[2]
Who else uses Live Oak's AI lending software

Which competitors use the same Casca AI platform as Live Oak?

Casca (Cascading AI) sells an AI loan application and origination platform. Live Oak co-designed it, so its rivals buying the same software narrows the technology edge Live Oak's 10-K describes.

BankRelationship with CascaStatusDate
Live OakInvestor through Live Oak Ventures; design partner; uses it for Live Oak ExpressPilot closing loans; full Express rollout due by end-2026August 2025; July 2026[26][55]
HuntingtonInvestor in the $29 million Series A; design partner for SBA 7(a)Deployment planned for 2026August 2025[5][56]
Celtic BankCasca's third top-10 SBA lender and first new partner after the design phaseSignedApril 2026[6]
BankwellInvestor in the Series ANot disclosedAugust 2025[56]
Common questions

Who are Live Oak Bank's biggest competitors?

In SBA 7(a) lending, Huntington ($1.86 billion in fiscal 2025), U.S. Bancorp, M&T and NewtekOne, with Live Oak first at $2.85 billion. In business deposits, Newtek, Bluevine, Mercury and Axos. In online savings, digital banks such as Ally, Axos and SoFi. Its 10-K also names community banks, credit unions, marketplace lenders and fintech lenders.[2][4][9][10][21][1]

Is Huntington a competitor of Live Oak?

Yes, and a partner. Huntington made $1.86 billion of SBA 7(a) loans in fiscal 2025 against Live Oak's $2.85 billion, and Casca's CEO calls the two the number-one and number-two 7(a) lenders. Both invested in Casca in August 2025 and co-designed its AI origination platform, which Huntington planned to deploy in SBA lending in 2026.[2][5][6]

Is Newtek a competitor of Live Oak?

Yes. NewtekOne's Newtek Bank is a branchless national bank that lends to small businesses online; it originated $767.8 million of SBA 7(a) loans in 2025 and launched business checking in December 2023, passing $1.4 billion of deposits. Live Oak also sells SBA loans and online business checking nationally without branches.[4][1][16]

What are alternatives to Live Oak for a small business loan?

Other large SBA 7(a) lenders such as Huntington, U.S. Bank, M&T and Newtek; community banks and credit unions, which make up most 7(a) lenders; and fintech lenders such as Bluevine for lines of credit. Live Oak's Express program targets SBA loans under $350,000, with a goal of seven to ten days from application to funding.[2][4][7][6]

Is Bluevine a competitor of Live Oak?

In small business banking, yes by category. Bluevine offers lines of credit issued by Celtic Bank and business checking, with $2.1 billion of deposits from 175,000 active customers at June 30, 2026. Live Oak's 10-K names fintech lenders among its competitors. Valley National agreed to buy Bluevine in September 2026.[7][9][8][1]

Live Oak vs Mercury for business checking?

Both sell business accounts opened online with no branches. Live Oak's checking accounts connect with QuickBooks and offer ACH and wires; it lends to the same businesses through SBA programs. Mercury serves more than 300,000 customers, launched an AI assistant called Command in June 2026 and holds OCC conditional approval for a bank charter.[16][10][43][17]

Who competes with Live Oak for deposits?

Online banks and funds. Live Oak's 2025 deposits were mostly savings (average $6.31 billion) and CDs ($5.43 billion), and its 10-K lists money market and mutual funds among deposit competitors. Ally reported 3.6 million deposit customers in Q2 2026, and Axos bought about $2.3 billion of Jenius Bank deposits in May 2026.[1][21][22]

Do Live Oak's competitors use AI in small business lending too?

Several do. Huntington co-designed the same Casca platform and planned to deploy it in SBA lending in 2026, and Celtic Bank signed with Casca in April 2026. Customers Bank piloted closing selected commercial loans in seven days with multi-agent underwriting, and Bluevine runs automated underwriting for its lines of credit. Live Oak's 10-K warns that nothing prevents rivals from licensing a similar platform.[5][6][15][9][1]

How big is the SBA 7(a) market Live Oak competes in?

SBA 7(a) lending rose 20% to a record $37.3 billion in fiscal 2025, which ended September 30, 2025, and the average loan grew to $477,600. Live Oak's $2.85 billion made it the largest lender by dollar volume, with an average loan above $1.25 million; small-dollar loans of $350,000 or less had grown to about $300 million to $350 million a year.[2][3]

Peers on this site
Customers Bank AI strategy →How Customers Bancorp compares with its peers →Axos Bank AI strategy →How Axos Financial compares with its peers →Huntington AI strategy →How Huntington Bancshares compares with its peers →The Bancorp Bank AI strategy →How The Bancorp, Inc. compares with its peers →ServisFirst Bank AI strategy →How ServisFirst Bancshares compares with its peers →SoFi AI strategy →How SoFi Technologies compares with its peers →Enterprise Bank & Trust AI strategy →How Enterprise Financial Services Corp compares with its peers →Merchants Bank of Indiana AI strategy →How Merchants Bancorp compares with its peers →
Competitor pages on this site
Huntington AI strategy →Competitors of that bank →U.S. Bank AI strategy →Competitors of that bank →M&T AI strategy →Competitors of that bank →Bluevine Inc. AI strategy →Customers Bank AI strategy →Competitors of that bank →Mercury AI strategy →Axos Bank AI strategy →Competitors of that bank →Ally AI strategy →Competitors of that bank →SoFi AI strategy →Competitors of that bank →
Deeper on Live Oak
Live Oak Bank AI strategy: the full profile →How Live Oak Bancshares compares with its peers on AI →Live Oak AI profile →Live Oak vs peers on AI →Huntington AI profile →Bluevine AI profile →Mercury AI profile →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
Sources
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