Bravera Bank: SBA Lending Record
What SBA's own loan files show about Bravera Bank as an SBA lender, and how a lender's record bears on a feasibility study.
Bravera Bank: loans and programs
Bravera Bank stands at 350 approved loans and $55.6 million gross, FY2017 to FY2026. Bravera Bank holds or held these 350 loans, as SBA records them. Bravera Bank does not guarantee these 350 loans; SBA does. The figures for Bravera Bank are loan records only. All 350 loans at Bravera Bank are 7(a); 0 are 504. ND is the lender state SBA records for Bravera Bank.
Asset classes and states in the Bravera Bank book
Bravera Bank has 293 loans, of 350, outside the classes tracked here. By loan count the classes for Bravera Bank are Fitness center (12), Full-service restaurant (8), Beauty salon (8), Medical office (physicians) (6), Limited-service restaurant (6), Coffee shop and snack bar (5). Fitness center borrowers can set a project beside 12 such loans at Bravera Bank. Full-service restaurant follows with 8 loans at Bravera Bank. In Beauty salon, Bravera Bank shows 8 loans. North Dakota ranks second among states for Bravera Bank, at 142 loans. Geography for Bravera Bank follows this order: Minnesota (177), North Dakota (142), Montana (23). The lender state is recorded as ND, yet the most loans sit in Minnesota.
Cancellation and charge-off floors for Bravera Bank
The cancellation floor for Bravera Bank is 7.2% on FY2017 to FY2024 approvals. Our rule at Loan Analytics withholds the ceiling by the rule of fewer than 30 loans, so for Bravera Bank the upper bound is simply absent, not zero. Bravera Bank shows floors, not final rates, so further losses inside the cohort can only raise it. The Loan Analytics rule withholds the charge-off floor for Bravera Bank on FY2017 to FY2021 disbursements, since too few loans sit in the cohort; it is not shown as nil.
Using the Bravera Bank record in a study
Fitness center at Bravera Bank leads off with a test of demand. Next, a study of Full-service restaurant has to test development cost, with 8 such loans on Bravera Bank's record. Debt service coverage follows, and $55.6 million across 350 loans at Bravera Bank cannot settle it for any one project. The appraisal is needed too, and 8 Beauty salon loans at Bravera Bank do not replace it. A borrower in Minnesota can compare with 177 loans in the Bravera Bank record, and one in North Dakota, 142. Bravera Bank alone can say what it requires. Nothing promises approval, and Bravera Bank sets its own terms.
SBA loans held by Bravera Bank
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 350 |
|---|---|
| Gross dollars approved | $55.6 million |
| SBA 7(a) loans | 350 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 293 |
| Fitness center | 12 |
| Full-service restaurant | 8 |
| Beauty salon | 8 |
| Medical office (physicians) | 6 |
| Limited-service restaurant | 6 |
| Coffee shop and snack bar | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Minnesota | 177 |
| North Dakota | 142 |
| Montana | 23 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-22559.
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