How Much Can Other Construction Material Merchant Wholesalers Businesses Get in SBA Loans?
1,134 SBA loans totaling $514.4M have been approved for other construction material merchant wholesalers businesses (NAICS 423390). The average approved SBA loan is $454K, which is 33% above avg the $340K national average. 282 active lenders fund this industry with a 18.7% default rate on the matured 2018-2021 loan cohort.
At 18.7%, Other Construction Material Merchant Wholesalers sits above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), above average default risk relative to other SBA industries. The capital source prices this risk into rate and structure.
NAICS 423390 (Other Construction Material Merchant Wholesalers) received 1,134 SBA loans worth $514.4M across 5+ states. Average loan $454K, average term 118 months, 18.7% default rate (resolved loan basis).282 active SBA approved lenders fund this industry. Most other construction material merchant wholesalers loans use the SBA 7(a) program. There are approximately 3,736 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Other Construction Material Merchant Wholesalers?+94% growth
Which SBA Program Do Other Construction Material Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Other Construction Material Merchant Wholesalers?
The most widely used SBA program for other construction material merchant wholesalers businesses: flexible terms, multiple use cases
Where Are Other Construction Material Merchant Wholesalers SBA Loans Most Common?
SBA Lending Activity in Other Construction Material Merchant Wholesalers
282 SBA lenders have funded 1,134 loans to other construction material merchant wholesalers businesses (NAICS 423390). 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.
Other Construction Material Merchant Wholesalers Industry Context
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PeerSense sources capital for other construction material 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 Other Construction Material 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 Other Construction Material Merchant Wholesalers Businesses?
Across all SBA loan programs, 1,134 loans have been approved for businesses classified under NAICS 423390 (Other Construction Material Merchant Wholesalers), representing $514.4M in total capital deployed. The average approved loan of $454K is 33% above avg the national SBA average of $340K, with typical repayment terms of 118 months.
SBA lending for other construction material merchant wholesalers is accelerating. Loan volume has grown approximately 94% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 11% 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 other construction material merchant wholesalers file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
Frequently Asked Questions: Other Construction Material Merchant Wholesalers SBA Loans
What is the average SBA loan size for other construction material merchant wholesalers businesses?
Which SBA loan program is best for a other construction material merchant wholesalers business?
How many lenders fund SBA loans for other construction material merchant wholesalers?
What states have the most SBA lending for other construction material merchant wholesalers?
How does PeerSense help other construction material merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992 to 2025). Other Construction Material Merchant Wholesalers defined by NAICS code 423390. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.