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NAICS 423110, industry

NAICS 423110: Automobile and other motor vehicle merchant wholesalers

NAICS 423110 is the industry code for automobile and other motor vehicle merchant wholesalers. Use it on loan applications, tax forms and registrations. Lenders price it on the business's own numbers rather than an industry program.

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What 423110 covers

This code covers merchant wholesalers of new and used automobiles, trucks, trailers and other motor vehicles, including auto auctions that take title and wholesale car dealers selling to other dealers.

Included in this code

  • Wholesale used car dealers
  • New vehicle distributors
  • Truck and trailer wholesalers
  • Vehicle exporters
  • Motorcycle wholesalers

Not this code

Businesses that use 423110

Wholesale car dealerVehicle exporterTruck wholesaler

Financing for this trade

Vehicle wholesalers rely on floor plan financing, inventory lines and short term auction lines. Lenders look at inventory turns, title controls and dealer licensing.

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Is 423110 the right code for a vehicle wholesaler?

Yes, if you sell vehicles to dealers, exporters or businesses rather than the public. Dealers selling to consumers use 441110 or 441120. Auctions acting as agents without taking title use 425120. Lenders check that the code on your application matches your tax return, so settle on one and keep it consistent.

What is the SBA size standard for 423110?

Under 13 CFR 121.201, a business classified under NAICS 423110 is small if it averages no more than 250 employees, counting affiliates, over the prior 24 months. SBA uses that number for loan eligibility and federal agencies use it for small business set asides. A firm above it can still qualify for SBA 7(a) and 504 loans under the alternative standard of $15 million tangible net worth and $5 million average net income.

What financing do wholesale car dealers use?

Wholesale dealers depend on floor plan lines to buy at auction, with lenders tracking each vehicle until it sells. Inventory turns, curtailment schedules and title controls drive approval. Some add working capital lines or merchant cash advances for short gaps. A clean balance sheet and an up to date accounts receivable aging make the strongest case to any of these lenders.

What does NAICS 423110 cover?

Automobile and other motor vehicle merchant wholesalers. Industry level code in NAICS 2022, under 42 Wholesale trade, 423 Merchant wholesalers, durable goods, 4231 Motor vehicle and motor vehicle parts and supplies merchant wholesalers, 42311 Automobile and other motor vehicle merchant wholesalers.

What financing do NAICS 423110 businesses use?

Term loans, lines of credit, SBA loans and working capital are the usual products. Start an application and the AI matches the deal to lenders that fund this code.

Where do I put NAICS 423110?

On the SBA loan application, on federal Schedule C or Form 1120, on SAM.gov and state registrations, and on most lender applications. A business can report more than one code; use this one if it describes what produces most of your revenue.