Government Contract Loans

Our Team Understands Your Business

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  Patrick Spach
  SVP - Head of Government Contracting and Asset-based Lending

  Email Patrick | 910.798.1216



Patrick Spach

SVP - Head of Government Contracting and Asset-based Lending

Patrick is the general manager for Live Oak Bank's Government Contracting and Asset-based Lending divisions. Prior to his role, Patrick lead the veterinary lending team and was a senior loan officer for the investment advisory lending team. In his current role, he leads the efforts in providing financing for government contractors and general asset based lending solutions. In addition, Patrick attended the University of Mississippi, where he played basketball and earned his undergraduate degree. This experience equipped him with leadership and team-building skills which have aided him in his professional endeavors.

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  T.J. Merlo
  VP - Government Contracting and Asset-Based Lending

  Email T.J. | 910.338.4336



T.J. Merlo

VP - Government Contracting and Asset-Based Lending

T.J. is a Vice President on Live Oak’s Government Contracting vertical. In this role, he primarily works directly with buy and sell-side advisors to structure mergers and acquisitions. Prior to this role, he was an Associate Director for Live Oak’s Government Contracting vertical, where he performed the quantitative and qualitative analysis various types of deals. Prior to his role as an Associate Director, he was both an Associate Credit Analyst and a Credit Analyst at Live Oak Bank where he reported directly to the Bank’s Chief Credit Officer. While in this role, T.J. played a critical role in building out the Bank’s monitoring system for Asset-Based loans. T.J. graduated Summa Cum Laude and received his B.S. in Business Administration with a concentration in Economics from the University of North Carolina at Wilmington.

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  John Pribnow
  VP - Government Contracting and Asset-Based Lending

  Email John | 202. 897.3968



John Pribnow

VP - Government Contracting and Asset-Based Lending

John Pribnow, Vice President of Government Contract Lending at Live Oak Bank, has over ten years of financial management and analysis experience. He is currently a Loan Officer in Live Oak Bank’s Government Contracting vertical, seeking to finance small business government contractors who are growing inorganically via acquisition or organically via contract wins. Formerly, John was an underwriter and performed portfolio analysis for Live Oak Bank’s Government Contracting vertical and evaluated all types of financing offered by the vertical, from untangling the complexities of mergers and acquisitions to providing mobilization financing for companies needing start-up capital for new contract wins. Prior to joining Live Oak Bank, John held leadership positions on the finance teams of various small and medium-sized organizations and helped his clients operate at optimal efficiency by propagating best practices and providing top-notch financial analysis and planning.