How much do SBA lenders typically lend to a other construction material merchant wholesalers business?

The median SBA approval in NAICS 423390 is $250,000, with the middle 80% of loans between $42,700 and $1,700,000. Across all industries the median is $180,000.

Which lenders are most active in other construction material merchant wholesalers?

By dollars approved: Wells Fargo Bank, Bank of Hope, JPMorgan Chase Bank, SouthState Bank, The Huntington National 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 other construction material merchant wholesalers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 423390 · Wholesale

SBA loans for other construction material merchant wholesalers

694 SBA loans worth $417.3M have been approved in this industry since FY2010 - the #268 most-financed NAICS code in the country.

Median loan

$250,000

+39% vs all industries

Typical range

$43K-$1.7M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.2%

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
Wells Fargo Bank	51	$25.4M
Bank of Hope	11	$14.9M
JPMorgan Chase Bank	49	$14.0M
SouthState Bank	3	$13.7M
The Huntington National Bank	35	$13.7M
BancFirst	7	$10.4M
Paradise Bank	2	$9.3M
CDC Small Business Finance Corp.	9	$8.5M
Texas Capital Bank	3	$8.2M
Florida First Capital Finance Corporation, Inc.	4	$8.0M

Geography

Where these loans were made

State	Loans	Share
California	113
Florida	61
Texas	59
New York	57
Minnesota	36
Wisconsin	33
Ohio	30
Washington	22

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
11%
$50K - $150K
21%
$150K - $350K
27%
$350K - $1M
23%
$1M - $2M
11%
Over $2M
8%

Nearby

Other wholesale industries

See the sector

Other Miscellaneous Durable Goods Merchant Wholesalers4,432 · $296,000 Other Miscellaneous Nondurable Goods Merchant Wholesalers3,598 · $270,000 Other Grocery and Related Products Merchant Wholesalers2,289 · $150,000 Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers1,953 · $150,000 Industrial Machinery and Equipment Merchant Wholesalers1,918 · $300,000 Sporting and Recreational Goods and Supplies Merchant Wholesalers1,706 · $191,750 Wholesale Trade Agents and Brokers1,547 · $180,000 Recyclable Material Merchant Wholesalers1,450 · $350,000

Common questions

How much do SBA lenders typically lend to a other construction material merchant wholesalers business?: The median SBA approval in NAICS 423390 is $250,000, with the middle 80% of loans between $42,700 and $1,700,000. Across all industries the median is $180,000.
Which lenders are most active in other construction material merchant wholesalers?: By dollars approved: Wells Fargo Bank, Bank of Hope, JPMorgan Chase Bank, SouthState Bank, The Huntington National 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 other construction material merchant wholesalers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

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