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NAICS 423220, industry

NAICS 423220: Home furnishing merchant wholesalers

NAICS 423220 is the industry code for home furnishing 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 423220 covers

This code covers merchant wholesalers of home furnishings, such as rugs, lamps, linens, kitchenware, decorative items and window coverings.

Included in this code

  • Rugs and carpets
  • Lamps and lighting fixtures for home
  • Linens and bedding
  • Kitchenware and tableware
  • Home decor and accessories

Not this code

Businesses that use 423220

Rug importerHome decor wholesalerTableware distributor

Financing for this trade

Home furnishings wholesalers use inventory and purchase order financing and factoring for retailer receivables. Lenders look at seasonality and retailer concentration.

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Is 423220 the right code for a home furnishings wholesaler?

Yes, if you sell rugs, lamps, linens, kitchenware or home decor to retailers or businesses. Furniture belongs in 423210, and stores selling to consumers use retail codes. Electric housewares belong in 423620. Pick the code that matches the work bringing in most of your revenue, since lenders compare it to your tax return.

What is the SBA size standard for 423220?

Under 13 CFR 121.201, a business classified under NAICS 423220 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 home decor wholesalers finance inventory?

Decor wholesalers often rely on purchase order and trade financing to import goods, inventory lines for warehouse stock and factoring to bridge retailer payment terms. Holiday seasonality requires extra capacity. Lenders look at retailer concentration and margins. Current financial statements and a receivables aging report speed up any of these approvals.

What does NAICS 423220 cover?

Home furnishing merchant wholesalers. Industry level code in NAICS 2022, under 42 Wholesale trade, 423 Merchant wholesalers, durable goods, 4232 Furniture and home furnishing merchant wholesalers, 42322 Home furnishing merchant wholesalers.

What financing do NAICS 423220 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 423220?

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.