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NAICS 424490, industry

NAICS 424490: Other grocery and related products merchant wholesalers

NAICS 424490 is the industry code for other grocery and related products 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 424490 covers

This code covers wholesalers of grocery items not classified elsewhere, such as bottled water, soft drinks, coffee, bakery products, canned goods, spices and specialty or ethnic foods.

Included in this code

  • Soft drinks and bottled water distribution
  • Coffee and tea wholesale
  • Bread and bakery product distribution
  • Specialty and ethnic foods
  • Canned and dried foods
  • Pet food wholesale

Not this code

Businesses that use 424490

Beverage distributorSpecialty food importerBakery route distributorCoffee wholesaler

Financing for this trade

Specialty food distributors use lines of credit, factoring for grocery chain receivables and truck financing. Route based distributors use SBA 7(a) loans to buy routes. Lenders watch slotting fees, deductions and spoilage.

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Is 424490 the right code for a specialty food distributor?

Yes, if you specialize in a grocery category that lacks its own code, such as beverages other than alcohol, coffee, bakery goods, spices or ethnic foods. Broadline distributors use 424410. Beer and wine use 4248 codes, and candy and snack distributors use 424450.

What is the SBA size standard for 424490?

The SBA size standard for 424490 is 250 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 specialty food distributor under that headcount counts as small for SBA 7(a) and 504 loans and for federal small business contracts, whatever its revenue.

How do specialty food distributors finance growth?

Many factor invoices from grocery chains and distributors who pay slowly and take deductions. As sales grow, a borrowing base line replaces factoring. Bakery and beverage route owners finance route purchases with SBA 7(a) loans and trucks with equipment loans. Lenders review deductions, spoilage and customer mix.

What does NAICS 424490 cover?

Other grocery and related products merchant wholesalers. Industry level code in NAICS 2022, under 42 Wholesale trade, 424 Merchant wholesalers, nondurable goods, 4244 Grocery and related product merchant wholesalers, 42449 Other grocery and related products merchant wholesalers.

What financing do NAICS 424490 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 424490?

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.