How Much Can Roofing, Siding, and Insulation Material Merchant Wholesalers Businesses Get in SBA Loans?
374 SBA loans totaling $148.1M have been approved for roofing, siding, and insulation material merchant wholesalers businesses (NAICS 423330). The average approved SBA loan is $396K, which is 16% above avg the $340K national average. 150 active lenders fund this industry with a 15.8% default rate on the matured 2018-2021 loan cohort.
At 15.8%, Roofing, Siding, and Insulation 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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 423330 (Roofing, Siding, and Insulation Material Merchant Wholesalers) received 374 SBA loans worth $148.1M across 5+ states. Average loan $396K, average term 120 months, 15.8% default rate (resolved-loan basis).150 active SBA-approved lenders fund this industry. Most roofing, siding, and insulation material merchant wholesalers loans use the SBA 7(a) program. There are approximately 3,495 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Roofing, Siding, and Insulation Material Merchant Wholesalers?+111% growth
Which SBA Program Do Roofing, Siding, and Insulation Material Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Roofing, Siding, and Insulation Material Merchant Wholesalers?
The most widely used SBA program for roofing, siding, and insulation material merchant wholesalers businesses — flexible terms, multiple use cases
Where Are Roofing, Siding, and Insulation Material Merchant Wholesalers SBA Loans Most Common?
Top SBA Lenders for Roofing, Siding, and Insulation Material Merchant Wholesalers
These banks have funded the most SBA loans for roofing, siding, and insulation material merchant wholesalers businesses (NAICS 423330). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 35 | $6.1M |
| 2 | Bank of America, National Association(NC) | 22 | $1.6M |
| 3 | Wells Fargo Bank National Association(SD) | 16 | $6.7M |
| 4 | PNC Bank, National Association(DE) | 14 | $1.4M |
| 5 | Citizens Bank, National Association(RI) | 11 | $3.1M |
Roofing, Siding, and Insulation Material Merchant Wholesalers Industry Context
Ready to Fund Your Roofing, Siding, and Insulation Material Merchant Wholesalers Business?
PeerSense places SBA loans for roofing, siding, and insulation material merchant 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 Roofing, Siding, and Insulation Material Merchant Wholesalers Businesses?
Across all SBA loan programs, 374 loans have been approved for businesses classified under NAICS 423330 (Roofing, Siding, and Insulation Material Merchant Wholesalers), representing $148.1M in total capital deployed. The average approved loan of $396K is 16% above avg the national SBA average of $340K, with typical repayment terms of 120 months.
SBA lending for roofing, siding, and insulation material merchant wholesalers is accelerating — loan volume has grown approximately 111% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2021.
The industry sees a balanced mix of SBA programs, with 12% 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 roofing, siding, and insulation material merchant 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 — Roofing, Siding, and Insulation Material Merchant Wholesalers SBA Loans
What is the average SBA loan size for roofing, siding, and insulation material merchant wholesalers businesses?
Which SBA loan program is best for a roofing, siding, and insulation material merchant wholesalers business?
How many lenders fund SBA loans for roofing, siding, and insulation material merchant wholesalers?
What states have the most SBA lending for roofing, siding, and insulation material merchant wholesalers?
How does PeerSense help roofing, siding, and insulation material merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Roofing, Siding, and Insulation Material Merchant Wholesalers defined by NAICS code 423330. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.