# Bravera Bank SBA loans in North Dakota **Short answer:** SBA's loan file shows Bravera Bank made 67 SBA loans in North Dakota since October 2019. 98.5% went through SBA Express, against 62.6% of its loans nationally. 70.1% were lines of credit, against 42.9% of its loans nationally. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/bravera-bank/north-dakota/ Data as of: 2026-06-30 This site is not Bravera Bank sbaexpress.loans is not Bravera Bank, and Bravera Bank did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from Bravera Bank. These are the 67 SBA 7(a) loans [Bravera Bank](https://www.sbaexpress.loans/sba-express-lenders/bravera-bank/) made in [North Dakota](https://www.sbaexpress.loans/north-dakota-small-business-loans/) approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other. ## How Bravera Bank differs in North Dakota **What this means for you.** SBA Express was a more common route for these loans here, so ask Bravera Bank about it if your loan is small enough to qualify. ### SBA Express 98.5% of the loans in North Dakota went through SBA Express, against 62.6% of its loans nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - North Dakota: 98.5% - All its U.S. loans: 62.6% ### Lines of credit 70.1% of the loans in North Dakota were lines of credit, against 42.9% of its loans nationally. Lines of credit, share of loans, Oct 2019 to Jun 2026 - North Dakota: 70.1% - All its U.S. loans: 42.9% ### Share of the state's loans Bravera Bank made 8.7% of the SBA loans approved in North Dakota since October 2019, against 0.06% of loans nationwide. Its share here is 148.8 times its national share. Share of all SBA loans, Oct 2019 to Jun 2026 - North Dakota: 8.7% - All its U.S. loans: 0.06% We compared 8 measures with the national figure for the same period, and these are the 3 that differ clearly. The table compares every measure. ## North Dakota next to the U.S. **North Dakota compared with all of Bravera Bank's U.S. loans, October 2019 to June 2026** | Measure | North Dakota | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 8.7% | 0.06% | Clearly higher | | Median loan | $60,000 | $74,950 | No clear gap | | Middle half of loans | $25,000 to $147,500 | $25,375 to $200,000 | – | | Startups (the loan opens the business) | 11.9% | 18.2% | No clear gap | | In business 2 years or less | 28.4% | 25.3% | No clear gap | | In business more than 2 years | 53.7% | 50.5% | No clear gap | | Change of ownership | Fewer than 5 | 5.1% | n/a | | SBA Express | 98.5% | 62.6% | Clearly higher | | Lines of credit | 70.1% | 42.9% | Clearly higher | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 1.5 points over Prime | 1.5 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## What Bravera Bank lends to in North Dakota The industry below accounts for 8 of the 67 loans approved October 2019 to June 2026, or 11.9%. An industry is listed when it has 5 or more of them, five at most. **Top industries in North Dakota** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Landscaping Services](https://www.sbaexpress.loans/industries/landscaping-services/) | 8 | 11.9% | 7.6% | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## Bravera Bank in other states Other states where these loans differ clearly from the national pattern, most loans first. **Bravera Bank by state** | State | Loans since October 2019 | | --- | --- | | [Minnesota](https://www.sbaexpress.loans/sba-express-lenders/bravera-bank/minnesota/) | 107 | ## Other lenders in North Dakota Other lenders in North Dakota with a clear difference from the national pattern, most loans first. **Other lenders in North Dakota** | Lender | Loans since October 2019 | | --- | --- | | [Old National Bank](https://www.sbaexpress.loans/sba-express-lenders/old-national-bank/north-dakota/) | 52 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)