NAICS 423320 Quarterly Industry Report
Brick, Stone, and Related Construction Material Merchant Wholesalers
Comprehensive industry research for valuation professionals, business owners, buyers, and lenders
NAICS Code: 423320Sector: Wholesale Trade (42)Updated: Q1 2026
About This Report
This Fair Market Value industry report for NAICS 423320 integrates data from the U.S. Census Bureau[5] economic surveys, Bureau of Labor Statistics[6] employment data, and SBA size standard publications[7]. Our research team tracks construction spending, masonry material pricing, and regional building activity to provide valuation context for construction material wholesale operations. Updated quarterly, each data point is traced to its originating government or institutional source.
Industry Snapshot
Key metrics for the brick, stone, and related construction material merchant wholesalers industry.
Industry Definition & Overview
Brick, Stone, and Related Construction Material Merchant Wholesalers (NAICS 423320) encompasses establishments primarily engaged in the merchant wholesale distribution of brick, stone, and related construction materials such as cement, concrete blocks, sand, gravel, and clay products. These distributors purchase masonry and aggregate materials from quarries, cement plants, brick manufacturers, and stone fabricators, then resell them to contractors, masonry suppliers, building material dealers, and landscaping companies.
The industry supplies the construction sector with heavy building materials used in foundations, walls, paving, hardscaping, and structural applications. According to the U.S. Census Bureau[5], about 6,434 businesses operated in this industry. Wholesale distributors maintain yard inventories of bulk aggregates, palletized brick and block, natural and fabricated stone, and bagged cement products. Delivery logistics are a major cost component because these materials are heavy and transport-intensive.
Demand closely follows residential and commercial construction activity, road building, and infrastructure spending. Seasonal patterns affect order volumes, with spring through fall representing peak construction and delivery seasons in most regions. Many distributors operate fleets of flatbed trucks, boom trucks, and dump trucks to deliver materials directly to job sites. Regional supply relationships with local quarries and brick plants create geographic market boundaries that limit long-distance competition for bulk aggregate products.
What's Included in This Industry
- Brick wholesale distribution (clay, concrete, fire brick)
- Natural stone wholesale operations
- Concrete block and masonry unit wholesale distribution
- Sand, gravel, and aggregate wholesale operations
- Cement and mortar wholesale distribution
- Paving stone and hardscaping material wholesaling
- Manufactured stone veneer wholesale distribution
- Retaining wall block wholesale operations
- Landscape stone and decorative aggregate wholesaling
- Stucco and plaster product wholesale distribution
NAICS Classification Hierarchy
| Level | Description | Code |
|---|---|---|
| Sector | Wholesale Trade | 42 |
| Subsector | Merchant Wholesalers, Durable Goods | 423 |
| Industry Group | Lumber and Other Construction Materials Merchant Wholesalers | 4233 |
| NAICS Industry | Brick, Stone, and Related Construction Material Merchant Wholesalers | 42332 |
| National Industry | Brick, Stone, and Related Construction Material Merchant Wholesalers | 423320 |
Related NAICS Codes
| Code | Description | Relationship |
|---|---|---|
| 423310 | Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers | Lumber, plywood, and millwork merchant wholesalers distribute wood-based building materials rather than the masonry and aggregate products covered here |
| 423330 | Roofing, Siding, and Insulation Material Merchant Wholesalers | Roofing, siding, and insulation material merchant wholesalers distribute exterior envelope products rather than structural masonry and aggregate materials |
| 423390 | Other Construction Material Merchant Wholesalers | Other construction material merchant wholesalers distribute additional building products like glass, flat glass, and hardware through separate distribution channels |
| 327310 | Cement Manufacturing | Cement manufacturing produces the portland cement and blended cements that wholesale distributors purchase for resale to contractors and masonry suppliers |
| 327331 | Concrete Block and Brick Manufacturing | Concrete block and brick manufacturing produces the masonry units and pavers that flow through wholesale distribution to job sites and dealer yards |
| 327320 | Ready-Mix Concrete Manufacturing | Ready-mix concrete manufacturing produces concrete delivered directly to job sites, operating alongside but separately from the dry material wholesale channel |
Geographic Concentration
Top states by share of national establishments.
| # | State | % Est. | Total Est. |
|---|---|---|---|
| 1 | Texas | 12.8% | 475 |
| 2 | Florida | 9.2% | 343 |
| 3 | California | 9.1% | 340 |
| 4 | New York | 5.5% | 205 |
| 5 | Georgia | 4.2% | 155 |
| 6 | New Jersey | 3.8% | 142 |
| 7 | Pennsylvania | 3.5% | 130 |
| 8 | Illinois | 3.4% | 127 |
| 9 | Ohio | 3.2% | 119 |
| 10 | North Carolina | 3.1% | 116 |
% Of Establishments
0%
13%
Source: County Business Patterns, U.S. Census Bureau[3]
SBA Lending Summary
328
Total SBA Loans
$186.1M
Total Loan Volume
$567K
Average Loan Size
10 yrs
Average Loan Term
10.17%
Average Interest Rate
2,592
Jobs Supported
Source: SBA 7(a) Program Data, U.S. Small Business Administration — FY 2025[4]
Key Insight: The SBA[7] classifies Brick, Stone, and Related Construction Material Merchant Wholesalers under NAICS 423320 with a size standard of 200 employees. Most masonry and aggregate distributors operate as regional businesses with moderate workforces. Qualifying firms can access SBA lending programs[8] for yard expansion, delivery fleet purchases, inventory financing, and working capital to support the seasonal cash flow demands of construction material distribution. Eligible businesses can access SBA 7(a) loans[9] for working capital, equipment, and acquisition financing, while 504 loans[10] support major fixed-asset purchases including real estate and heavy machinery.
Top SBA Lenders
| # | Lender | Loans | Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Truliant FCU | 8 | $40.0M | $5.0M |
| 2 | The Bancorp Bank National Association | 16 | $22.0M | $1.4M |
| 3 | Enterprise Bank & Trust | 8 | $21.1M | $2.6M |
| 4 | Wallis Bank | 8 | $16.0M | $2.0M |
| 5 | Northeast Bank | 56 | $13.2M | $235K |
Frequently Asked Questions
Common questions about this industry.
What types of businesses are classified under NAICS 423320?
NAICS 423320 covers merchant wholesalers distributing brick, stone, concrete block, cement, sand, gravel, pavers, and related masonry materials. These include regional masonry supply yards, aggregate distributors, landscape material wholesalers, and multi-location building material distribution companies. Per the U.S. Census Bureau[5], about 6,434 businesses operated in this industry.
How is NAICS 423320 structured within the broader classification?
This code belongs to Industry Group 4233 (Lumber and Other Construction Materials Merchant Wholesalers), Subsector 423 (Merchant Wholesalers, Durable Goods), and Sector 42 (Wholesale Trade). Sibling codes include 423310 (lumber), 423330 (roofing and siding), and 423390 (other construction materials).
What is the SBA size standard for NAICS 423320?
The SBA[7] sets the size standard at 200 employees for Brick, Stone, and Related Construction Material Merchant Wholesalers. Firms with fewer than 200 employees qualify as small businesses for federal contracting and SBA loan programs.
Which NAICS codes are most closely related to 423320?
Sibling codes 423310 (lumber), 423330 (roofing and siding), and 423390 (other construction materials) cover other building product categories. Cement manufacturing (327310) and concrete block manufacturing (327331) supply the products. Per Census Bureau NAICS references[11], masonry materials distribution is the defining feature of this code.
What industries interact most with brick and stone wholesalers?
Concrete contractors (238110) and masonry contractors are the primary customers. Building material dealers (444180) purchase wholesale inventory for retail resale. Per Bureau of Labor Statistics[6] data, construction industry employment levels directly influence demand for wholesale masonry and aggregate products.
What specific activities are included in NAICS 423320?
Activities include warehousing and distributing brick, natural stone, concrete block, pavers, cement, sand, gravel, mortar, manufactured stone veneer, retaining wall systems, and decorative aggregates. Many distributors operate delivery fleets of flatbed and boom trucks. Per Census Bureau definitions[11], the merchant wholesale function of taking title to construction materials defines this classification.
Can brick and stone wholesalers access SBA loans?
Yes. Construction material wholesalers with fewer than 200 employees qualify for SBA loan programs[8] including 7(a) loans for inventory and working capital, 504 loans for yard facilities and delivery equipment, and microloans for smaller capital needs. Seasonal financing helps distributors build inventory ahead of peak construction months.
Where are brick and stone wholesalers concentrated in the United States?
Distribution operations concentrate near active construction markets and aggregate source locations. States with high construction activity like Texas, Florida, California, Georgia, and North Carolina support significant wholesale masonry material distribution. Proximity to quarries and brick manufacturing plants creates regional market clusters, as heavy material transport costs limit economical delivery distances for bulk aggregates.
Sources & References
Government datasets and editorial sources used in this report.
- [1]U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages bls.gov
- [2]U.S. Census Bureau, Economic Census census.gov
- [3]U.S. Census Bureau, County Business Patterns census.gov
- [4]U.S. Small Business Administration, SBA 7(a) Loan Program Data data.sba.gov
- [5]U.S. Census Bureau data.census.gov
- [6]Bureau of Labor Statistics bls.gov
- [7]SBA size standard publications sba.gov
- [8]SBA lending programs sba.gov
- [9]SBA 7(a) loans sba.gov
- [10]504 loans sba.gov
- [11]Census Bureau NAICS references census.gov
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