BB
SBA 7(a) franchise lending portfolio
Bravera Bank
ELEVATED risk
- Total loans
- 64
- Loan volume
- $12.8M
- Avg loan size
- $200K
- Charge-off 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% (low risk) |
| Liberty Tax Service | 4 | $189K | 0.0% (low risk) |
| Dairy Queen Frozen Treat Cente | 3 | $1.2M | 33.3% (very high risk) |
| Anytime Fitness | 3 | $190K | 0.0% (low risk) |
| Subway Sandwich Shop | 3 | $687K | 0.0% (low risk) |
| Computerland | 2 | $175K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 2 | $174K | 0.0% (low risk) |
| Quiznos | 2 | $295K | 50.0% (very high risk) |
| Elements For Women | 2 | $305K | 50.0% (very high risk) |
| Conquer Ninja | 2 | $290K | N/A |
| People Organic Coffee | 2 | $93K | 0.0% (low risk) |
| Goin' Postal | 2 | $100K | 100.0% (very high risk) |
| Firehouse Subs | 2 | $377K | 0.0% (low risk) |
| Dairy Queen Montana / North Da | 2 | $40K | N/A |
| Fantastic Sams | 2 | $236K | N/A |
| Conoco Service Station | 1 | $100K | 0.0% (low risk) |
| Champion Auto Store | 1 | $320K | 0.0% (low risk) |
| Servicemaster | 1 | $27K | 0.0% (low risk) |
| Auntie Ann's (soft Pretzels) | 1 | $178K | 0.0% (low risk) |
| Paul Mitchell Advanced Educati | 1 | $1.7M | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
288.7% (moderate risk)
2628.6% (very high risk)
60.0% (low risk)
20.0% (low risk)
20.0% (low risk)
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
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). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- 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.