Franchise financing
Bricks & Minifigs franchise financing
What it costs to finance a Bricks & Minifigs franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 110
- Total funded
- $20.0M
- Median loan
- $205K
- 7(a) charge-off
- 0.9%
What financing a Bricks & Minifigs franchise costs
The median SBA loan to a Bricks & Minifigs franchisee is $205K, and the middle half of Bricks & Minifigs's 110 loans run $50K to $261K (average $181K). Across all SBA-financed franchises the median loan is $350K. Bricks & Minifigs buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median Bricks & Minifigs loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 108 Bricks & Minifigs loans where the SBA recorded a business age, 98.2% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Bricks & Minifigs
Bricks & Minifigs franchisees have financed with 110 SBA loans since FY2010, averaging $181K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (110 of the 110 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Bricks & Minifigs's 7(a) charge-off rate is 0.9% across 110 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Bricks & Minifigs
By SBA loan count
Where Bricks & Minifigs gets funded
Top states by loan count
Financing a Bricks & Minifigs?
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Bricks & Minifigs SBA financing FAQ
How much does a Bricks & Minifigs franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Bricks & Minifigs franchisee is $205K, and the middle half of Bricks & Minifigs's 110 loans run $50K to $261K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Bricks & Minifigs's franchise disclosure document.
Can you use an SBA loan for Bricks & Minifigs?
Yes. Lenders have funded 110 SBA loans to Bricks & Minifigs franchisees, worth $20.0M in all, so Bricks & Minifigs is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Bricks & Minifigs?
The data says yes: of Bricks & Minifigs's 108 SBA loans that record a business age, 98.2% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance Bricks & Minifigs?
By loan count, the most active SBA lenders for Bricks & Minifigs are The Huntington National Bank, First Bank of the Lake, Magnifi Financial CU, among others. A lender already active with your brand often moves faster.
What is Bricks & Minifigs's SBA charge-off rate?
Across Bricks & Minifigs's 110 SBA 7(a) loans, 0.9% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits Bricks & Minifigs?
Mostly 7(a): 110 of Bricks & Minifigs's 110 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Bricks & Minifigs loan term is 10 years.