How Much Can Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers Businesses Get in SBA Loans?
1,618 SBA loans totaling $949.0M have been approved for lumber, plywood, millwork, and wood panel merchant wholesalers businesses (NAICS 423310). The average approved SBA loan is $587K, which is 72% above avg the $340K national average. 367 active lenders fund this industry with a 20.3% default rate on the matured 2018-2021 loan cohort.
At 20.3%, Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers sits well above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), elevated default risk relative to other SBA industries. The capital source prices this risk into rate and structure.
NAICS 423310 (Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers) received 1,618 SBA loans worth $949.0M across 5+ states. Average loan $587K, average term 124 months, 20.3% default rate (resolved loan basis).367 active SBA approved lenders fund this industry. Most lumber, plywood, millwork, and wood panel merchant wholesalers loans use the SBA 504 program.
Is SBA Lending Growing for Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers?+27% growth
Which SBA Program Do Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers?
15% of lumber, plywood, millwork, and wood panel merchant wholesalers loans use this program, ideal for real estate and major equipment purchases
Where Are Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers SBA Loans Most Common?
SBA Lending Activity in Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers
367 SBA lenders have funded 1,618 loans to lumber, plywood, millwork, and wood panel merchant wholesalers businesses (NAICS 423310). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Talk to PeerSense
PeerSense sources capital for lumber, plywood, millwork, and wood panel merchant wholesalers businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
How Does SBA Lending Work for Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers Businesses?
Across all SBA loan programs, 1,618 loans have been approved for businesses classified under NAICS 423310 (Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers), representing $949.0M in total capital deployed. The average approved loan of $587K is 72% above avg the national SBA average of $340K, with typical repayment terms of 124 months.
SBA lending for lumber, plywood, millwork, and wood panel merchant wholesalers is accelerating. Loan volume has grown approximately 27% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2024.
The industry sees a balanced mix of SBA programs, with 15% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
Talk to PeerSense about a lumber, plywood, millwork, and wood panel merchant wholesalers file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
Frequently Asked Questions: Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers SBA Loans
What is the average SBA loan size for lumber, plywood, millwork, and wood panel merchant wholesalers businesses?
Which SBA loan program is best for a lumber, plywood, millwork, and wood panel merchant wholesalers business?
How many lenders fund SBA loans for lumber, plywood, millwork, and wood panel merchant wholesalers?
What states have the most SBA lending for lumber, plywood, millwork, and wood panel merchant wholesalers?
How does PeerSense help lumber, plywood, millwork, and wood panel merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992 to 2025). Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers defined by NAICS code 423310. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.