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NAICS 423310, industry

NAICS 423310: Lumber, plywood, millwork, and wood panel merchant wholesalers

NAICS 423310 is the industry code for lumber, plywood, millwork, and wood panel 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 423310 covers

This code covers merchant wholesalers of lumber, plywood, millwork, doors, windows and wood panels, selling mainly to contractors, builders and retailers.

Included in this code

  • Lumber and plywood distribution
  • Doors and windows wholesale
  • Millwork and moldings
  • Engineered wood products
  • Treated lumber

Not this code

Businesses that use 423310

Lumber distributorDoor and window supplierContractor lumber yard

Financing for this trade

Lumber distributors rely on asset based lines, contractor receivables financing and equipment loans for trucks and forklifts. Lenders look at lumber price swings and contractor credit.

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Is 423310 the right code for a lumber and building materials wholesaler?

Yes, if you sell lumber, panels, doors or millwork mainly to contractors and businesses. Yards selling mostly to homeowners use 444110, and roofing and siding distributors use 423330. Sawmills use 321113. 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 423310?

Under 13 CFR 121.201, a business classified under NAICS 423310 is small if it averages no more than 150 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 lumber yards finance contractor accounts?

Lumber yards extend credit to contractors, so asset based lines on receivables and inventory are central. Delivery trucks and forklifts use equipment loans. Lenders look at lumber price exposure, contractor credit policies and lien rights practices. A clean balance sheet and an up to date accounts receivable aging make the strongest case to any of these lenders.

What does NAICS 423310 cover?

Lumber, plywood, millwork, and wood panel merchant wholesalers. Industry level code in NAICS 2022, under 42 Wholesale trade, 423 Merchant wholesalers, durable goods, 4233 Lumber and other construction materials merchant wholesalers, 42331 Lumber, plywood, millwork, and wood panel merchant wholesalers.

What financing do NAICS 423310 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 423310?

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.