How Much Can Lumber, Plywood, Millwork, and Wood Panel Wholesalers Businesses Get in SBA Loans?
1,158 SBA loans totaling $384.2M have been approved for lumber, plywood, millwork, and wood panel wholesalers businesses (NAICS 421310). The average approved SBA loan is $332K, which is near national avg the $340K national average. 330 active lenders fund this industry with a 9.9% default rate on the matured 2018-2021 loan cohort.
At 9.9%, Lumber, Plywood, Millwork, and Wood Panel Wholesalers sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 421310 (Lumber, Plywood, Millwork, and Wood Panel Wholesalers) received 1,158 SBA loans worth $384.2M across 5+ states. Average loan $332K, average term 127 months, 9.9% default rate (resolved-loan basis).330 active SBA-approved lenders fund this industry. Most lumber, plywood, millwork, and wood panel wholesalers loans use the SBA 7(a) program. There are approximately 388,706 U.S. establishments in this industry (Census 2022).
Which SBA Program Do Lumber, Plywood, Millwork, and Wood Panel Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Lumber, Plywood, Millwork, and Wood Panel Wholesalers?
The most widely used SBA program for lumber, plywood, millwork, and wood panel wholesalers businesses — flexible terms, multiple use cases
Where Are Lumber, Plywood, Millwork, and Wood Panel Wholesalers SBA Loans Most Common?
Top SBA Lenders for Lumber, Plywood, Millwork, and Wood Panel Wholesalers
These banks have funded the most SBA loans for lumber, plywood, millwork, and wood panel wholesalers businesses (NAICS 421310). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 109 | $46.2M |
| 2 | Bank of America, National Association(NC) | 59 | $8.5M |
| 3 | U.S. Bank, National Association(OH) | 45 | $13.4M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 43 | $10.5M |
| 5 | KeyBank National Association(OH) | 37 | $11.3M |
Lumber, Plywood, Millwork, and Wood Panel Wholesalers Industry Context
Ready to Fund Your Lumber, Plywood, Millwork, and Wood Panel Wholesalers Business?
PeerSense places SBA loans for lumber, plywood, millwork, and wood panel wholesalers businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Lumber, Plywood, Millwork, and Wood Panel Wholesalers Businesses?
Across all SBA loan programs, 1,158 loans have been approved for businesses classified under NAICS 421310 (Lumber, Plywood, Millwork, and Wood Panel Wholesalers), representing $384.2M in total capital deployed. The average approved loan of $332K is near national avg the national SBA average of $340K, with typical repayment terms of 127 months.
SBA lending for lumber, plywood, millwork, and wood panel wholesalers has remained relatively stable across recent fiscal years. 330 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 17% 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.
PeerSense specializes in matching lumber, plywood, millwork, and wood panel wholesalers business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Lumber, Plywood, Millwork, and Wood Panel Wholesalers SBA Loans
What is the average SBA loan size for lumber, plywood, millwork, and wood panel wholesalers businesses?
Which SBA loan program is best for a lumber, plywood, millwork, and wood panel wholesalers business?
How many lenders fund SBA loans for lumber, plywood, millwork, and wood panel wholesalers?
What states have the most SBA lending for lumber, plywood, millwork, and wood panel wholesalers?
How does PeerSense help lumber, plywood, millwork, and wood panel wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Lumber, Plywood, Millwork, and Wood Panel Wholesalers defined by NAICS code 421310. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.