Sponsor bank tracked in the Embedded Finance Index. Named by 1 company, as its sponsor bank.
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1 company names Live Oak Bank in their stack. All of them use it as their sponsor bank.
Open Banking Tracker has no developer portal on file for Live Oak Bank. One aggregator connects to its accounts.
Founded in 2008 as a digitally native SBA lender targeting niche small-business verticals (veterinarians, dentists), Live Oak scaled into the leading SBA 7(a) lender by dollar volume. The bank extended into high-yield savings and business checking to fund its loan book without branches. In 2024 it launched a structured banking-as-a-service initiative, positioning itself as a sponsor bank and embedded banking provider for vertical software companies — starting with Anatomy Financial in healthcare — leveraging its proprietary Finxact-based core banking infrastructure to avoid the ledger failures that plagued earlier BaaS banks.
Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
An embeddable badge for Live Oak Bank’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.
<a href="https://www.embeddedfinanceindex.com/vendors/live-oak-bank?ref=badge">
<img src="https://www.embeddedfinanceindex.com/api/badge/live-oak-bank.svg"
alt="Ranked #160 of 199 in Sponsor Bank — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/live-oak-bank/install" width="1" height="1" alt="" style="display:none">1 company is linked to Live Oak Bank in the Embedded Finance Index 2026, through their own public disclosures or Live Oak Bank's published customer list, including Anatomy Financial.
Live Oak Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (1).
The most-named Sponsor Bank alternatives to Live Oak Bank are Evolve Bank & Trust (100 buyers), Sutton Bank (64 buyers), Cross River (63 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).
Live Oak Bank was founded by James S. (Chip) Mahan III and is founded in 2008, headquartered in Wilmington, North Carolina.
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