Skip to content
Log in Apply
NAICS 423820, industry

NAICS 423820: Farm and garden machinery and equipment merchant wholesalers

NAICS 423820 is the industry code for farm and garden machinery and equipment 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.

Apply for funding with AI

What 423820 covers

This code covers merchant wholesalers of farm and garden machinery and equipment, including tractor dealers and outdoor power equipment distributors.

Included in this code

  • Tractor and implement dealers
  • Irrigation equipment
  • Outdoor power equipment distribution
  • Livestock equipment
  • Farm equipment parts

Not this code

Businesses that use 423820

Tractor dealerIrrigation equipment supplierOutdoor power equipment distributor

Financing for this trade

Farm equipment dealers use floor plan financing and seasonal lines. Lenders look at farm income cycles and inventory aging.

Apply for funding with AI

Is 423820 the right code for a farm and garden equipment dealer?

Yes, if you sell tractors, implements, irrigation or outdoor power equipment to farms and businesses. Retail garden centers use 444240, and construction equipment dealers use 423810. 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 423820?

Under 13 CFR 121.201, a business classified under NAICS 423820 is small if it averages no more than 125 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 tractor dealers finance inventory?

Tractor dealers rely on manufacturer floor plan programs for new units and lines of credit for used equipment and parts. Farm income cycles affect turns, so lenders watch aging and curtailments. Service departments add steady revenue. Current financial statements and a receivables aging report speed up any of these approvals.

What does NAICS 423820 cover?

Farm and garden machinery and equipment merchant wholesalers. Industry level code in NAICS 2022, under 42 Wholesale trade, 423 Merchant wholesalers, durable goods, 4238 Machinery, equipment, and supplies merchant wholesalers, 42382 Farm and garden machinery and equipment merchant wholesalers.

What financing do NAICS 423820 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 423820?

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.