Powered by LevrNAICS 423320: Brick, stone, and related construction material merchant wholesalers
NAICS 423320 is the industry code for brick, stone, and related construction material 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.
What 423320 covers
This code covers merchant wholesalers of brick, stone, block, ready mix concrete products, sand and gravel and related masonry and hardscape materials.
Included in this code
- Brick and block distribution
- Natural stone and pavers
- Sand, gravel and aggregates
- Masonry supplies and mortar
- Landscape and hardscape supply yards
Not this code
- Concrete block manufacturing: see 327331 Concrete block and brick manufacturing
- Landscape supply retail: see 444240 Nursery, garden center, and farm supply retailers
- Quarrying: see 212321 Construction sand and gravel mining
Businesses that use 423320
Financing for this trade
Masonry suppliers use asset based lines, equipment loans for trucks and loaders, and seasonal inventory lines. Lenders look at contractor receivables and seasonality.
Apply for funding with AIIs 423320 the right code for a brick, stone and masonry supply wholesaler?
Yes, if you sell brick, stone, block, pavers or aggregates to contractors and landscapers. Plants making block or pavers use 327331, and quarries use mining codes. Nurseries and garden centers selling to homeowners use retail codes. 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 423320?
Under 13 CFR 121.201, a business classified under NAICS 423320 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 masonry and hardscape suppliers finance growth?
These suppliers usually finance boom trucks, loaders and forklifts with equipment loans and carry inventory and contractor receivables on a revolving line sized for spring and summer peaks. Lenders look at credit policies and seasonality. Current financial statements and a receivables aging report speed up any of these approvals.
What does NAICS 423320 cover?
Brick, stone, and related construction material 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, 42332 Brick, stone, and related construction material merchant wholesalers.
What financing do NAICS 423320 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 423320?
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.