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NAICS 444110, industry

NAICS 444110: Home centers

NAICS 444110 is the industry code for home centers. Use it on loan applications, tax forms and registrations. Explore financing for retail and start your application when you are ready.

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What 444110 covers

Home centers sell a broad line of building materials, hardware, lumber, paint, plumbing and electrical supplies from large stores to homeowners and contractors.

Included in this code

  • Home improvement superstores
  • Lumber and hardware home centers
  • Building materials and garden home centers

Not this code

Businesses that use 444110

Home improvement centerRegional home center chainLumber and home center

Financing for this trade

Home centers finance inventory with asset based lines and stores with real estate and SBA 504 loans. Lenders review inventory turns and contractor credit sales.

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Is 444110 the right code for a home improvement center?

Yes, if you run a large store selling a broad range of building materials, lumber, hardware, paint and garden supplies to homeowners and contractors. Smaller hardware stores use 444140, and specialty lumber yards use 444180. The closest alternatives are 444140 (hardware retailers) and 444180 (other building material dealers). 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 444110?

The SBA size standard for 444110 is $47M in average annual receipts. SBA averages total gross receipts over the last five completed fiscal years and adds in any affiliates under common control. A home improvement center at or below that figure counts as small for SBA 7(a) and 504 loans and for federal small business contracts.

What financing do home centers use?

Asset based lines secured by inventory and contractor receivables fund stock. Store purchases and expansions use commercial real estate or SBA 504 loans. Forklifts and delivery trucks use equipment financing. Lenders look at inventory turns, seasonality and contractor account aging.

What does NAICS 444110 cover?

Home centers. Industry level code in NAICS 2022, under 44-45 Retail trade, 444 Building material and garden equipment and supplies dealers, 4441 Building material and supplies dealers, 44411 Home centers.

What financing do NAICS 444110 businesses use?

Equipment financing, working capital, SBA loans and invoice factoring are the products placed most for retail businesses. Start an application and the AI matches the deal to lenders that fund this code.

Where do I put NAICS 444110?

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.