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NAICS 424430, industry

NAICS 424430: Dairy product (except dried or canned) merchant wholesalers

NAICS 424430 is the industry code for dairy product (except dried or canned) 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 424430 covers

Wholesalers here distribute dairy products such as milk, cheese, butter, yogurt and ice cream, except dried or canned dairy.

Included in this code

  • Milk and cream distribution
  • Cheese wholesale
  • Butter and yogurt distribution
  • Ice cream wholesale

Not this code

Businesses that use 424430

Cheese distributorMilk route distributorIce cream wholesaler

Financing for this trade

Dairy distributors finance refrigerated trucks and coolers, and use lines of credit for receivables from grocers and restaurants. Lenders watch perishability, route profitability and supplier terms.

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Is 424430 the right code for a dairy distributor?

Yes, if you distribute fresh dairy such as milk, cheese, butter or ice cream to stores, schools or restaurants. Powdered and canned milk go under 424490. If you process milk or make cheese, use a 3115 manufacturing code instead. Dairy farms selling their own raw milk use 112120.

What is the SBA size standard for 424430?

The SBA size standard for 424430 is 200 employees. SBA counts the average number of people on payroll, full time, part time and temporary, over the last 24 months, and adds in any affiliates. A dairy distributor under that headcount counts as small for SBA 7(a) and 504 loans and for federal small business contracts, whatever its revenue.

What do lenders look for in a dairy distribution business?

They look at route density and profitability, refrigerated fleet condition, supplier contracts and how quickly customers pay. Equipment loans fund trucks and walk in coolers, and a working capital line covers weekly purchases. SBA 7(a) loans are often used to buy existing dairy routes.

What does NAICS 424430 cover?

Dairy product (except dried or canned) merchant wholesalers. Industry level code in NAICS 2022, under 42 Wholesale trade, 424 Merchant wholesalers, nondurable goods, 4244 Grocery and related product merchant wholesalers, 42443 Dairy product (except dried or canned) merchant wholesalers.

What financing do NAICS 424430 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 424430?

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.