Skip to content
Log in Apply
NAICS 424820, industry

NAICS 424820: Wine and distilled alcoholic beverage merchant wholesalers

NAICS 424820 is the industry code for wine and distilled alcoholic beverage 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 424820 covers

This code covers wholesalers of wine and distilled spirits that buy from wineries, distillers and importers and sell to retailers and restaurants under state licensing.

Included in this code

  • Wine wholesale
  • Distilled spirits wholesale
  • Imported wine and liquor
  • Neutral spirits and ethyl alcohol for beverages

Not this code

Businesses that use 424820

Wine importer and distributorSpirits wholesalerBoutique wine distributor

Financing for this trade

Wine and spirits distributors use inventory lines because aged stock and imports tie up cash, plus federal excise and duty bonding. Lenders check licenses, supplier agreements and slow moving inventory.

Apply for funding with AI

Is 424820 the right code for a wine and spirits distributor?

Yes, if you are licensed to wholesale wine or spirits and sell to bars, restaurants and retail stores, including importers who sell to distributors. Beer goes to 424810. Wineries and distilleries use manufacturing codes even when they sell direct. The closest alternatives are 424810 (beer and ale merchant wholesalers) and 312130 (wineries). Use whichever matches your largest revenue stream, and keep it consistent across tax filings, SBA forms and lender applications.

What is the SBA size standard for 424820?

The SBA size standard for 424820 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 wine and spirits distributor under that headcount counts as small for SBA 7(a) and 504 loans and for federal small business contracts, whatever its revenue.

What financing do wine importers and distributors use?

Inventory lines of credit are central because imported wine sits in warehouses for months and spirits may be aged. Importers also use letters of credit and need customs bonds. Lenders look at inventory turns, supplier contracts and receivables from restaurants that pay slowly.

What does NAICS 424820 cover?

Wine and distilled alcoholic beverage merchant wholesalers. Industry level code in NAICS 2022, under 42 Wholesale trade, 424 Merchant wholesalers, nondurable goods, 4248 Beer, wine, and distilled alcoholic beverage merchant wholesalers, 42482 Wine and distilled alcoholic beverage merchant wholesalers.

What financing do NAICS 424820 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 424820?

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.