NAICS 423330 · Wholesale
SBA loans for roofing, siding, and insulation material merchant wholesalers
229 SBA loans worth $120.4M have been approved in this industry since FY2010 - the #508 most-financed NAICS code in the country.
Median loan
$250,000
+39% vs all industries
Typical range
$25K-$1.5M
Middle 80%
Median rate
6.25%
7(a) initial note rate
Median term
10 yr
Charge-off rate
5.0%
vs 7.6% all industries
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Lenders
Most active in this industry
| Lender | Loans | Approved | Share |
|---|---|---|---|
| First National Bank and Trust Company of Weatherford d/b/a First Bank Texas | 4 | $6.2M | |
| The Huntington National Bank | 12 | $5.8M | |
| Simmons Bank | 6 | $5.2M | |
| SomerCor 504, Inc. | 5 | $4.3M | |
| Wells Fargo Bank | 11 | $4.2M | |
| JPMorgan Chase Bank | 8 | $3.8M | |
| US Metro Bank | 1 | $3.7M | |
| Newtek Bank | 5 | $3.4M | |
| TD Bank | 5 | $3.3M | |
| Celtic Bank Corporation | 4 | $3.2M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| Texas | 33 | |
| California | 19 | |
| New York | 14 | |
| Minnesota | 12 | |
| Florida | 11 | |
| Alabama | 9 | |
| Pennsylvania | 9 | |
| Utah | 9 |
Approvals by fiscal year
’10
’11
’12
’13
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
’26
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K13%
- $50K - $150K21%
- $150K - $350K25%
- $350K - $1M23%
- $1M - $2M13%
- Over $2M5%
Nearby
Other wholesale industries
Other Miscellaneous Durable Goods Merchant Wholesalers4,432 · $296,000Other Miscellaneous Nondurable Goods Merchant Wholesalers3,598 · $270,000Other Grocery and Related Products Merchant Wholesalers2,289 · $150,000Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers1,953 · $150,000Industrial Machinery and Equipment Merchant Wholesalers1,918 · $300,000Sporting and Recreational Goods and Supplies Merchant Wholesalers1,706 · $191,750Wholesale Trade Agents and Brokers1,547 · $180,000Recyclable Material Merchant Wholesalers1,450 · $350,000
Common questions
- How much do SBA lenders typically lend to a roofing, siding, and insulation material merchant wholesalers business?
- The median SBA approval in NAICS 423330 is $250,000, with the middle 80% of loans between $25,000 and $1,480,000. Across all industries the median is $180,000.
- Which lenders are most active in roofing, siding, and insulation material merchant wholesalers?
- By dollars approved: First National Bank and Trust Company of Weatherford d/b/a First Bank Texas, The Huntington National Bank, Simmons Bank, SomerCor 504, Inc., Wells Fargo Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
- Is roofing, siding, and insulation material merchant wholesalers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.0% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.
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