Live Oak Bancshares is a high-risk bank in the United States of America with an ESG score of 34.6. The company operates as a holding company for Live Oak Banking Company, providing lending and deposit services to small businesses nationwide. Live Oak specializes in identifying credit-worthy borrowers within specific industries, known as verticals, and also extends loans to select borrowers outside of these industries. A portion of the company's loans are guaranteed by government programs such as the Small Business Administration and the U.S. Department of Agriculture.