Bravera is comprised of Bravera Bank, Bravera Insurance and Bravera Wealth which allows us the unique opportunity to offer comprehensive services to NDDA members. With bank branches throughout North Dakota our convenient digital banking solutions help businesses of all sizes and locations thrive at every stage.
Our Dental Practice Program features a flexible structure for start-ups1, along with accommodating terms, customized repayment programs, low starting payments, working capital to help manage cash flow, and debt refinancing and consolidation.
Bravera’s Physician Loan Program makes home buying easy for health and wellness professionals. Our program requires no down payment2, has no private mortgage insurance requirements, includes flexibility to exclude student loan debt in debt-to-income ratio, and provides competitive fixed rates and attractive terms.
Looking to purchase or refinance your property with a commercial real estate loan? Bravera offers fixed or adjustable rates and terms from one to 20 years on commercial real estate loans.
Bravera Wealth offers NDDA members complimentary retirement planning consultation and 50% off financial planning fees2. Bravera Wealth also offers 401K and 403b retirement plans. Bravera Insurance has experienced, local advisors who have access to numerous companies to provide complimentary quotes from multiple carrier partners along with group employee benefit plans (medical, life, etc.)3. For more information regarding Bravera’s exclusive NDDA member benefits, email privatebanking@bravera.bank.
Bravera Bank is an equal housing lender and Member FDIC.
1 Requirements vary based on qualifications. Conditions apply. See a lender or email privatebanking@bravera.bank for details.
2 Conditions apply. See a Mortgage Banking Officer for details.
3Products and services offered through Bravera Insurance and Bravera Wealth are not a deposit, not FDIC insured, not insured by any federal government agency, not financial institution guaranteed and may lose value. Products and services offered by Bravera Wealth may be subject to investment risk, including loss of principal amount invested.
Collections
NDDA’s newest endorsed partner: DCI Credit Services, Inc. is a North Dakota based collection agency. DCI offers a pre-collect rate of 5%, regular collect rate of 22% and Advanced/Legal collection rate of 33% to NDDA members. DCI will provide, free of charge, in-house accounts receivable training and strategies to NDDA member office staff. DCI’s recent technology enhancements have been developed through a partnership with the DAKCS software company and the Lexis Nexis Risk Solutions Group. This partnership has allowed DCI to increase recovery rates by 15% or more, which exceeds that National/Regional average. This means a higher rate of recovery at a lower negotiated service cost to NDDA members. We highly encourage you to see what DCI Credit Services, Inc. can do for you. Email their client care/sales team at contact@dcicredit.com or contact them by phone at 701-483-9111.
NDDA member benefits include DCI’s discounted rates as follows:
• Pre-collection rate of 5 percent NDDA Non-Member Rate: (8 percent)
• Regular collection rate of 22 percent NDDA Non-Member Rate: (28 percent)
• Advanced/legal rate of 33 percent. NDDA Non-Member Rate: (45 percent)
• DCI covers all legal costs
• Free of charge in-house accounts receivable training
For additional information visit DCI Credit Services, Inc. website at https://www.dcicredit.com/.
Credit Card Processing
NDDA is proud to introduce another great endorsement – the Best Card Team for credit card processing! Best Card has been educating dentists and providing relief from the fees associated with processing credit cards since 2008 and is now endorsed my more than 30 dental/medical association and offers thousands of dentists great personalized customer service as well as extremely competitive rates. The average dental practice is saving $6,795 per year with Best Card, 26% savings!
With Best Card, you’ll get:
• Consistent, low rates and no hidden fees.
• Unbeatable customer service.
• EMV chip & contractless terminals with one to two-year warranty starting at $279 (after NDDA member one-time $100 discount on EMV equipment).
• Online Systems available
Set up recurring payments and /or web payment options
Take payments at your computer, tablet and /or smartphone
AutoPost available for most popular dental software
• $0 setup fees for terminals and low setup fees for online systems.
• Next-day funding if your batch is closed by 6pm Central. One deposit and one statement for all cards accepted (MasterCard, Visa, Discover & American Express).
Fax your recent statement to 866-717-7247, email to Compare@BestCardTeam.com, or call Best Card at 877-739-3952 to learn more. You can also visit them at www.bestcardteam.com.
Professional Protector Plan
NDDA endorses Harold Diers and Company for their Professional Protector Plan for Dentists, this plan includes Professional Liability, General Liability and Property coverage. NDDA members receive 10% off their professional liability policy premium. In addition to the Professional Protector Plan, Harold Diers & Company offers life insurance, disability insurance, business overhead insurance, identity theft plans, cyber liability and audit defense coverage.
Contact Matt Tripp or Kristin Garrison at 402-484-5880 or via email at agent@hdiers.com.
