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NAICS 423130, industry

NAICS 423130: Tire and tube merchant wholesalers

NAICS 423130 is the industry code for tire and tube 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 423130 covers

This code covers merchant wholesalers of new and used tires and tubes for cars, trucks and equipment, selling mainly to tire dealers, repair shops and fleets.

Included in this code

  • New tire distribution
  • Used tire wholesaling
  • Truck and OTR tire distribution
  • Inner tubes and tire supplies

Not this code

Businesses that use 423130

Tire distributorUsed tire exporterCommercial tire wholesaler

Financing for this trade

Tire wholesalers rely on asset based lines and inventory financing, sometimes with supplier floor plan programs. Lenders look at inventory turns, seasonality and dealer concentration.

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Is 423130 the right code for a tire wholesaler?

Yes, if you sell tires mainly to dealers, shops and fleets rather than the public. Tire stores that mount and sell to consumers use 441340, and retreaders use 326212. Used tire exporters selling in bulk also fit 423130. 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 423130?

Under 13 CFR 121.201, a business classified under NAICS 423130 is small if it averages no more than 200 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.

How do tire distributors finance seasonal inventory?

Tire distributors stock up ahead of winter and spring changeovers, so they rely on asset based lines and manufacturer dating or floor plan programs to carry inventory. Lenders look at inventory turns, dealer receivables and warehouse controls. A clean balance sheet and an up to date accounts receivable aging make the strongest case to any of these lenders.

What does NAICS 423130 cover?

Tire and tube 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, 42313 Tire and tube merchant wholesalers.

What financing do NAICS 423130 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 423130?

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.