STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
638
2010–2026
Total Volume
$148M
Gross loan amounts
States Active
9
With recorded loans
Programs
7(a) & 504
638 total segments
Most active in North Dakota (48% of deals) and focuses heavily on specialty trade contractors (16% of deals).
38% of Bravera Bank's SBA deals go to startups and new businesses — more startup-friendly than most SBA lenders, where existing businesses typically dominate.
638 SBA loans worth $148.3M since FY2010, with relatively steady volume year-over-year.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 65 504 loans, which use fixed SBA debenture rates.
States where Bravera Bank has recorded SBA lending activity.
+ 4 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Other Professional Services
Professional Services
+ 7 more
All recorded SBA lending activity for Bravera Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 38 | P+2.00% | $70K | Q1 2023 |
| North Dakota · Specialty Trade Contractors · Under $150K | 7(a) | 33 | P+1.50% | $35K | Q3 2025 |
| North Dakota · Administrative & Waste Services · Under $150K | 7(a) | 20 | P+3.00% | $73K | Q2 2025 |
| North Dakota · Other Professional Services · Under $150K | 7(a) | 18 | P+1.50% | $43K | Q1 2022 |
| Minnesota · Other Health Practitioners · Under $150K | 7(a) | 17 | P+2.00% | $52K | Q1 2022 |
| North Dakota · Retail Trade · Under $150K | 7(a) | 17 | P+2.10% | $73K | Q3 2021 |
| North Dakota · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+1.50% | $64K | Q4 2023 |
| Minnesota · Administrative & Waste Services · Under $150K | 7(a) | 15 | P+2.00% | $58K | Q3 2024 |
| North Dakota · Legal Services · Under $150K | 7(a) | 11 | P+2.00% | $87K | Q2 2022 |
| Minnesota · Manufacturing · Under $150K | 7(a) | 10 | P+2.00% | $46K | Q1 2022 |
| Minnesota · Administrative & Waste Services · $150K – $350K | 7(a) | 9 | P+2.00% | $252K | Q1 2024 |
| Minnesota · Retail Trade · Under $150K | 7(a) | 9 | P+2.00% | $67K | Q4 2021 |
| North Dakota · Personal Care (Salons, Spas) · Under $150K | 7(a) | 8 | P+1.50% | $41K | Q2 2024 |
| Minnesota · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.00% | $74K | Q2 2025 |
| Minnesota · Arts, Entertainment & Recreation · Under $150K | 7(a) | 8 | P+1.88% | $68K | Q3 2018 |
| North Dakota · Wholesale Trade · Under $150K | 7(a) | 8 | P+3.10% | $57K | Q4 2015 |
| North Dakota · Building Construction · Under $150K | 7(a) | 7 | P+1.75% | $64K | Q1 2025 |
| North Dakota · Arts, Entertainment & Recreation · Under $150K | 7(a) | 7 | P+1.50% | $53K | Q2 2019 |
| North Dakota · Retail Trade · $150K – $350K | 7(a) | 7 | P+1.50% | $264K | Q1 2020 |
| Minnesota · Specialty Trade Contractors · $150K – $350K | 7(a) | 7 | P+2.00% | $280K | Q1 2025 |
| Minnesota · Building Construction · Under $150K | 7(a) | 7 | P+1.00% | $63K | Q1 2022 |
| North Dakota · Manufacturing · Under $150K | 7(a) | 6 | P+1.38% | $70K | Q2 2023 |
| North Dakota · Restaurants & Food Service · $150K – $350K | 7(a) | 6 | P+2.50% | $252K | Q1 2016 |
| Minnesota · Accounting & Tax · Under $150K | 7(a) | 6 | P+2.25% | $47K | Q4 2021 |
| Minnesota · Real Estate · Under $150K | 7(a) | 6 | P+1.50% | $79K | Q3 2022 |
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