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NAICS 423330, industry

NAICS 423330: Roofing, siding, and insulation material merchant wholesalers

NAICS 423330 is the industry code for roofing, siding, and insulation 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.

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What 423330 covers

This code covers merchant wholesalers of roofing, siding, insulation and related exterior building materials, selling mainly to contractors.

Included in this code

  • Roofing shingles and membranes
  • Vinyl and fiber cement siding
  • Insulation materials
  • Gutters and exterior trim
  • Roofing accessories

Not this code

Businesses that use 423330

Roofing supply distributorSiding wholesalerInsulation distributor

Financing for this trade

Roofing distributors use asset based lines, equipment loans for boom trucks and supplier terms. Lenders look at contractor receivables and storm driven demand.

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Is 423330 the right code for a roofing, siding and insulation distributor?

Yes, if you sell roofing, siding or insulation to contractors. Contractors installing these products use 238160 or 238310, and lumber distributors use 423310. Insulation manufacturers use 327993. 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 423330?

Under 13 CFR 121.201, a business classified under NAICS 423330 is small if it averages no more than 225 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 roofing distributors manage storm season demand?

Storm seasons create sudden demand, so distributors rely on flexible asset based lines and supplier dating programs to stock up, and finance boom delivery trucks with equipment loans. Lenders look at contractor credit policies and lien rights. A clean balance sheet and an up to date accounts receivable aging make the strongest case to any of these lenders.

What does NAICS 423330 cover?

Roofing, siding, and insulation 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, 42333 Roofing, siding, and insulation material merchant wholesalers.

What financing do NAICS 423330 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 423330?

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.