Brain encoding models aim to predict neural responses to stimuli. The most widely used approach fits readouts from frozen pretrained backbones. Using neural data to train large models from scratch or fully fine-tune them after task-pretraining has proven difficult because neural data is costly and limited. We show that parameter-efficient fine-tuning (PEFT) enables us to effectively adapt very large pretrained backbones for brain encoding with a small number of trainable parameters. To make it computationally practical, we exploit the backbone's causal structure to predict multiple timepoints in a single pass instead of using sliding windows, significantly reducing feature-extraction cost. This enables efficient fine-tuning of multimodal backbones with up to 104B parameters, the largest model adapted for brain encoding to our knowledge. Trained with a low-rank adapter (LoRA) and a lightweight readout, our approach consistently improves brain encoding performance across nine diverse multimodal backbones. On the same Qwen3-Omni backbone as the prior state-of-the-art (SoTA), our method BrainLoRA achieves the best published performance on the Algonauts 2025 Challenge. We also show the adapted multimodal backbones remain interpretable: modality attribution recovers the canonical sensory topography that prior work often obtains by construction from separate unimodal encoders, and neural adaptation increases the contribution of audio inputs and cross-modal mixing within the backbone. To scale out the number of adapted models, we develop a multi-LoRA kernel that accelerates joint training of multiple LoRAs on a shared backbone. This enables an ensemble of 200+ adapted models that ranks first on the public Algonauts post-challenge leaderboard at the time of writing. Together, our results highlight PEFT as an efficient and powerful paradigm for brain encoding.

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