Bravera Bank
Bravera Bank is an SBA 7(a) lender that has approved 207 loans totaling $38.5M between FY2020 and Q1 FY2026 (2025-12-31), with a 1.25% charge-off rate on mature loans. Average loan size: $186K. Active in 8 states. Headquartered in Dickinson, ND.
Total 7(a) loans
207
Total approved
$38.5M
Average loan
$186K
States funded in
8
Charge-off rate
1.25%
FY2020–FY2023 cohort
Paid-in-full rate
35.63%
Average rate
6.77%
Average term
111 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 561730 | Landscaping Services | 14 |
| 236118 | Residential Remodelers | 10 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 |
| 621310 | Offices of Chiropractors | 8 |
| 238110 | Poured Concrete Foundation and Structure Contractors | 8 |
| 812112 | Beauty Salons | 6 |
| 524210 | Insurance Agencies and Brokerages | 6 |
| 238990 | All Other Specialty Trade Contractors | 5 |
| 541990 | All Other Professional, Scientific, and Technical Services | 5 |
| 541110 | Offices of Lawyers | 5 |
Top 10 states
| State | Loans |
|---|---|
| MN | 115 |
| ND | 69 |
| MT | 16 |
| SD | 3 |
| NV | 1 |
| WY | 1 |
| IL | 1 |
| FL | 1 |
Top franchise brands financed
10 franchise loans across 8 distinct brands.
| Franchise | Loans |
|---|---|
| Dairy Queen Montana / North Da | 2 |
| Fantastic Sams | 2 |
| Ramada by Wyndham | 1 |
| Farmers Insurance Agent Appoin | 1 |
| Play It Again Sports | 1 |
| Liberty Tax Service | 1 |
| Hotworx | 1 |
| Burn Boot Camp Fitness | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.