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SBA 7(a) franchise lending portfolio
Bravera Bank
ELEVATED risk
- Total loans
- 64
- Loan volume
- $12.8M
- Avg loan size
- $200K
- Default rate
- 16.0%
- vs 15.4% national avg
Defaults
8
Avg interest
6.14%
Franchises funded
40
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 6 | $995K | 0.0% |
| Liberty Tax Service | 4 | $189K | 0.0% |
| Dairy Queen Frozen Treat Cente | 3 | $1.2M | 33.3% |
| Anytime Fitness | 3 | $190K | 0.0% |
| Subway Sandwich Shop | 3 | $687K | 0.0% |
| Computerland | 2 | $175K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 2 | $174K | 0.0% |
| Quiznos | 2 | $295K | 50.0% |
| Elements For Women | 2 | $305K | 50.0% |
| Conquer Ninja | 2 | $290K | — |
| People Organic Coffee | 2 | $93K | 0.0% |
| Goin' Postal | 2 | $100K | 100.0% |
| Firehouse Subs | 2 | $377K | 0.0% |
| Dairy Queen Montana / North Da | 2 | $40K | — |
| Fantastic Sams | 2 | $236K | — |
| Conoco Service Station | 1 | $100K | 0.0% |
| Champion Auto Store | 1 | $320K | 0.0% |
| Servicemaster | 1 | $27K | 0.0% |
| Auntie Ann's (soft Pretzels) | 1 | $178K | 0.0% |
| Paul Mitchell Advanced Educati | 1 | $1.7M | 0.0% |
Lending volume by year
2'96
1
2
1
1
3'05
2
3
4
4
6'12
6
3
4
2
7'18
4
1
3
1
3'23
1'25
Bravera Bank default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$12.8M
Defaults8 of 64
Risk tierELEVATED
Avg rate6.14%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).