BB
SBA 7(a) franchise lending portfolio
Bravera Bank
Risk rating: Elevated
- Total loans
- 64
- Loan volume
- $12.8M
- Avg loan size
- $200K
- Charge-off rate
- 16.0%
- vs 16.0% national
Charged off
8
Avg interest
6.14%
Franchises funded
40
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Anytime Fitness | 9 | $1.2M | N/A |
| Dairy Queen Frozen Treat Cente | 5 | $1.3M | N/A |
| Liberty Tax Service | 4 | $189K | N/A |
| Subway Sandwich Shop | 3 | $687K | N/A |
| Computerland | 2 | $175K | N/A |
| Papa Murphy's Take & Bake Pizz | 2 | $174K | N/A |
| Quiznos | 2 | $295K | N/A |
| Elements For Women | 2 | $305K | N/A |
| Conquer Ninja | 2 | $290K | N/A |
| People Organic Coffee | 2 | $93K | N/A |
| Goin' Postal | 2 | $100K | N/A |
| Firehouse Subs | 2 | $377K | N/A |
| Fantastic Sams | 2 | $236K | N/A |
| Conoco Service Station | 1 | $100K | N/A |
| Champion Auto Store | 1 | $320K | N/A |
| Servicemaster | 1 | $27K | N/A |
| Auntie Ann's (soft Pretzels) | 1 | $178K | N/A |
| Paul Mitchell Advanced Educati | 1 | $1.7M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1996 | 2 |
| FY1997 | 1 |
| FY1998 | 2 |
| FY2000 | 1 |
| FY2001 | 1 |
| FY2005 | 3 |
| FY2007 | 2 |
| FY2009 | 3 |
| FY2010 | 4 |
| FY2011 | 4 |
| FY2012 | 6 |
| FY2013 | 6 |
| FY2014 | 3 |
| FY2015 | 4 |
| FY2017 | 2 |
| FY2018 | 7 |
| FY2019 | 4 |
| FY2020 | 1 |
| FY2021 | 3 |
| FY2022 | 1 |
| FY2023 | 3 |
| FY2025 | 1 |
SBA 7(a) · charge-off rate by approval year
Bravera Bank charge-off rate by loan vintage
None of these 9 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2005 | 3 | 0 | Too few |
| 2009 | 3 | 1 | Too few |
| 2010 | 4 | 2 | Too few |
| 2011 | 4 | 2 | Too few |
| 2012 | 6 | 1 | Too few |
| 2013 | 6 | 1 | Too few |
| 2014 | 3 | 0 | Too few |
| 2015 | 4 | 0 | Too few |
| 2018 | 5 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$12.8M
Charged off8 of 64
Risk tierElevated
Avg rate6.14%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Bravera Bank originated?
- 64 loans totaling $12.8M. The portfolio carries a 16.0% charge-off rate, earning a “Elevated” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Bravera Bank's rate of 16.0% is near the national rate.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Bravera Bank fund the most?
- The “Top franchise exposures” table above lists the brands Bravera Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.