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NAICS 423210, industry

NAICS 423210: Furniture merchant wholesalers

NAICS 423210 is the industry code for furniture 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 423210 covers

This code covers merchant wholesalers of furniture, such as household, office, outdoor and institutional furniture sold to retailers, dealers and businesses.

Included in this code

  • Household furniture distribution
  • Office furniture dealers selling to businesses
  • Outdoor furniture wholesaling
  • Mattress distribution
  • Restaurant and hotel furniture

Not this code

Businesses that use 423210

Office furniture dealerFurniture importerHospitality furniture supplier

Financing for this trade

Furniture wholesalers use inventory and purchase order financing, receivables lines and factoring. Lenders look at inventory turns and customer concentration.

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Is 423210 the right code for a furniture wholesaler?

Yes, if you sell furniture to retailers, businesses or institutions rather than individual consumers. Office furniture dealers serving companies commonly use 423210. Furniture stores use 449110, and home decor items like rugs and lamps use 423220. 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 423210?

Under 13 CFR 121.201, a business classified under NAICS 423210 is small if it averages no more than 100 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 furniture importers finance containers?

Importers often use purchase order financing or trade finance to pay overseas factories, inventory lines to carry stock and factoring for retailer receivables. Lenders look at landed costs, inventory turns and customer concentration. A clean balance sheet and an up to date accounts receivable aging make the strongest case to any of these lenders.

What does NAICS 423210 cover?

Furniture merchant wholesalers. Industry level code in NAICS 2022, under 42 Wholesale trade, 423 Merchant wholesalers, durable goods, 4232 Furniture and home furnishing merchant wholesalers, 42321 Furniture merchant wholesalers.

What financing do NAICS 423210 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 423210?

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.