Bravera Bank
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by Bravera Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 561730 | Landscaping Services | 112 | $8.5M | $76K | 6.8% |
| 236118 | Residential Remodelers | 80 | $7.5M | $94K | 4.8% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 64 | $7.9M | $123K | 3.9% |
| 238110 | Poured Concrete Foundation and Structure Contractors | 64 | $11.0M | $173K | 3.9% |
| 621310 | Offices of Chiropractors | 64 | $4.6M | $71K | 3.9% |
| 812112 | Beauty Salons | 48 | $5.8M | $120K | 2.9% |
| 524210 | Insurance Agencies and Brokerages | 48 | $5.0M | $105K | 2.9% |
| 541990 | All Other Professional, Scientific, and Technical Services | 40 | $2.7M | $68K | 2.4% |
| 238990 | All Other Specialty Trade Contractors | 40 | $13.8M | $345K | 2.4% |
| 541110 | Offices of Lawyers | 40 | $3.6M | $90K | 2.4% |
Geographic Distribution
SBA lending activity for Bravera Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Minnesota (MN) | 920 | $159.2M | 55.6% |
| North Dakota (ND) | 552 | $64.4M | 33.3% |
| Montana (MT) | 128 | $34.8M | 7.7% |
| Illinois (IL) | 8 | $34.6M | 0.5% |
| South Dakota (SD) | 24 | $5.2M | 1.4% |
| Wyoming (WY) | 8 | $4.0M | 0.5% |
| Florida (FL) | 8 | $3.0M | 0.5% |
| Nevada (NV) | 8 | $2.5M | 0.5% |
Why Choose Bravera Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,656 SBA loans approved, totaling $307.6M in financing
- ✓Industry Expertise: Specialized focus on Landscaping Services, Residential Remodelers, Plumbing, Heating, and Air-Conditioning Contractors
- ✓Competitive Terms: Average interest rate of 6.77% with flexible term lengths averaging 111 months
- ✓Loan Range: Loan sizes from $3K to $4.3M, with an average of $186K
- ✓Nationwide Reach: Active lending in 8 states, with strong presence in MN, ND, MT
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Bravera Bank SBA lending
What types of businesses does Bravera Bank typically finance?
Bravera Bank specializes in SBA 7(a) lending to specific industries including landscaping services, residential remodelers, plumbing, heating, and air-conditioning contractors, poured concrete foundation and structure contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Bravera Bank's typical SBA loan terms?
Bravera Bank's SBA 7(a) loans typically feature an average interest rate of 6.77% and average term length of 111 months (approximately 9 years). Loan sizes range from $3K to $4.3M, with an average loan size of $186K.
Do I need a business valuation for a Bravera Bank SBA loan?
Yes, Bravera Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Bravera Bank compare to other SBA lenders?
Bravera Bank has originated 1,656 SBA loans totaling $307.6M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Bravera Bank lend in?
Bravera Bank provides SBA 7(a) financing with particularly strong presence in MN, ND, MT, SD, FL. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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