# Live Oak Banking Company SBA loans in Tennessee **Short answer:** SBA's loan file shows Live Oak Banking Company made 148 SBA loans in Tennessee since October 2019. 33.8% went to startups, against 16.3% of its loans nationally. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/tennessee/ Data as of: 2026-06-30 This site is not Live Oak Banking Company sbaexpress.loans is not Live Oak Banking Company, and Live Oak Banking Company did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from Live Oak Banking Company. These are the 148 SBA 7(a) loans [Live Oak Banking Company](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/) made in [Tennessee](https://www.sbaexpress.loans/tennessee-small-business-loans/) approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other. ## How Live Oak Banking Company differs in Tennessee **What this means for you.** If yours is a new business, Live Oak Banking Company funded startups more often here than it did elsewhere. ### Startups 33.8% of the loans in Tennessee went to startups, where the loan opens the business, against 16.3% of its loans nationally. Startups (the loan opens the business), share of loans, Oct 2019 to Jun 2026 - Tennessee: 33.8% - All its U.S. loans: 16.3% We compared 9 measures with the national figure for the same period, and this is the one that differs clearly. The table compares every measure. ## Tennessee next to the U.S. **Tennessee compared with all of Live Oak Banking Company's U.S. loans, October 2019 to June 2026** | Measure | Tennessee | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 3.7% | 2.9% | No clear gap | | Median loan | $892,500 | $785,000 | No clear gap | | Middle half of loans | $350,000 to $2,135,000 | $350,000 to $1,950,000 | – | | Startups (the loan opens the business) | 33.8% | 16.3% | Clearly higher | | In business 2 years or less | 3.4% | 6.0% | No clear gap | | In business more than 2 years | 29.1% | 35.9% | No clear gap | | Change of ownership | 33.1% | 41.6% | No clear gap | | SBA Express | 8.8% | 14.7% | No clear gap | | Lines of credit | 8.1% | 13.9% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 1.75 points over Prime | 2 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## What Live Oak Banking Company lends to in Tennessee The 5 industries below account for 52 of the 148 loans approved October 2019 to June 2026, or 35.1%. An industry is listed when it has 5 or more of them, five at most. **Top industries in Tennessee** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Offices of Dentists](https://www.sbaexpress.loans/industries/offices-of-dentists/) | 19 | 12.8% | 6.7% | | [Broilers and Other Meat Type Chicken Production](https://www.sbaexpress.loans/industries/broilers-other-meat-type-chicken-production/) | 10 | 6.8% | Not in top 5 | | [Limited-Service Restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/) | 9 | 6.1% | 4.1% | | [Insurance Agencies and Brokerages](https://www.sbaexpress.loans/industries/insurance-agencies-brokerages/) | 7 | 4.7% | 4.1% | | [Lessors of Miniwarehouses and Self-Storage Units](https://www.sbaexpress.loans/industries/lessors-of-miniwarehouses-self-storage-units/) | 7 | 4.7% | 4.2% | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## Live Oak Banking Company in other states Other states where these loans differ clearly from the national pattern, most loans first. **Live Oak Banking Company by state** | State | Loans since October 2019 | | --- | --- | | [Illinois](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/illinois/) | 252 | | [Missouri](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/missouri/) | 139 | | [Wisconsin](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/wisconsin/) | 107 | ## Other lenders in Tennessee Other lenders in Tennessee with a clear difference from the national pattern, most loans first. **Other lenders in Tennessee** | Lender | Loans since October 2019 | | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/tennessee/) | 406 | | [Old National Bank](https://www.sbaexpress.loans/sba-express-lenders/old-national-bank/tennessee/) | 80 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)