Live Oak Bank is a completely virtual bank. Megan Owens serves as one of the bank's M&A experts and her expertise allows her to serve the bank anywhere in the nation where M&A expertise is needed. Need banking expertise for your veteranarian clinic, for example? Your Live Oak expert may as likely be local as from anywhere in the US but they will have deep, deep expertise in the veteranarian business. And that's one example from the 30+ verticles where Live Oak aims to expertly serve clients. It's a brilliant model. 

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