Brick & Spoon, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S4487)

3 deals since 2020 · typical deal $250K

Deals since 2020

$250K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Brick & Spoon has 3 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Brick & Spoon

Most Brick & Spoon deals financed between $204K and $861K. Above $861K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$250K

Monthly payment (10-yr): $3,693
Down payment (10%): $28K
Cash to close (all-in): $37K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$37K)

Experience

Recent financings

Brick and Spoon Gulfport LLC in Gulfport, MS — $861K (2022) · BankFirst Financial Services
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
135 months
SBA guaranteed
$645K (75%)
Approval → funding
15 days
Approved
2/8/2022
First disbursed
2/23/2022
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by BankFirst Financial Services · Lender record →
Your business? Claim this record · Request removal
Brick and Spoon Gulfport LLC in Gulfport, MS — $204K (2022) · BankFirst Financial Services
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
135 months
SBA guaranteed
$153K (75%)
Approval → funding
15 days
Approved
6/22/2022
First disbursed
7/7/2022
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by BankFirst Financial Services · Lender record →
Your business? Claim this record · Request removal
Brick N Spoon MS, LLC in Biloxi, MS — $250K (2020) · BankFirst Financial Services
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$187K (75%)
Approval → funding
9 days
Approved
9/21/2020
First disbursed
9/30/2020
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by BankFirst Financial Services · Lender record →
Your business? Claim this record · Request removal

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Who funds Brick & Spoon — and where

Every dot is a financed Brick & Spoon — 3 mapped.

Financed Brick & Spoon locations — list all 3 as text

Brick N Spoon MS, LLC — Biloxi · $250K · FY2020 · Full-Service Restaurants
Brick and Spoon Gulfport LLC — Gulfport · $204K · FY2022 · Full-Service Restaurants
Brick and Spoon Gulfport LLC — Gulfport · $861K · FY2022 · Full-Service Restaurants

Top lenders for this brand

1.BankFirst Financial Services(3)

Most active states

1.Mississippi (3 loans)

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Insider move

Start with the lenders above — a bank that's funded Brick & Spoon 3 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Brick & Spoon lending specialist.

Common questions

How much does a Brick & Spoon cost to buy or open?

The typical deal for Brick & Spoon is $250K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $27K of buyer cash on a typical deal.

How risky is Brick & Spoon?

Brick & Spoon has 3 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Brick & Spoon with an SBA loan?

Yes — Brick & Spoon has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Brick & Spoon franchise

Most Brick & Spoon buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Brick & Spoon deal financed for $250K, which points to about $27K of buyer cash on a typical purchase. Brick & Spoon is listed in the SBA Franchise Directory (identifier S4487), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Brick & Spoon — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for Brick & Spoon — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for Brick & Spoon — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Brick & Spoon is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

3 SBA 7(a) deals since 2020
$250K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S4487)
Top lenders: BankFirst Financial Services

Next steps

Check SBA fit Find SBA lenders $9 lender report

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/brick-spoon
API:: https://www.capbench.com/api/public/franchises/brick-spoon
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Brick & Spoon.