Bravera Bank

This is a financial institution offering SBA loan programs and banking services to support small business growth and development. You can find assistance with loans, financial advice, and community banking services tailored to your needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome depending on availability.

Bravera Bank's Downtown Dickinson location operates Monday through Friday from 8 a.m. to 5 p.m. for lobby services and 7:30 a.m. to 6 p.m. for drive-thru. Please confirm specific hours with the branch directly.

There may be application and closing fees associated with loans, but using the bank's services for banking transactions is generally free or low-cost.

Services are primarily available to local residents and small business owners within the region, but eligibility varies by program.

A minimum personal credit score of around 640 is typically required, though higher scores improve approval chances.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.

Bravera Bank's Downtown Dickinson location is closed Saturdays for lobby services but offers drive-thru from 8 a.m. to noon. The bank is closed Sundays. Confirm current weekend hours with the branch.

Bravera Bank is located in North Dakota — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Bravera Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bravera Bank itself, which runs its own lending under its own ownership. If you work at Bravera Bank, you can claim this listing from this page to manage it.

The core details for Bravera Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Bravera Bank before applying. If you represent Bravera Bank, claim this listing to keep its information up to date.

Contact Bravera Bank at (701) 483-6811 or toll-free at 1-877-483-6811. You can also email jsteffan@bravera.bank or use their contact form at bravera.bank/contact-us. For SBA lending, confirm with their business lending department.

Based on its approved SBA loans, Bravera Bank most often finances businesses in construction & contractors, general retail, cleaning, landscaping & janitorial, restaurants & food service, medical practices & clinics, and manufacturing. This reflects Bravera Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Bravera Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Bravera Bank participates in SBA Express depends on its specific SBA lending authority. Contact Bravera Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Bravera Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Bravera Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bravera Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Bravera Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Bravera Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Bravera Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Bravera Bank weighs this case by case under its own policy, so be upfront about your history and ask Bravera Bank how it evaluates prior bankruptcies.