What McCoy does

McCoy's Building Supply, operated by McCoy Corporation, is a regional building materials retailer founded in 1927 and headquartered in San Marcos, Texas. The company operates approximately 90 retail stores across Texas, Oklahoma, and New Mexico, supported by a fleet of more than 500 delivery trucks that provide same/next-day job site delivery within roughly 25 miles of store locations. Its product catalog spans 20 core categories including lumber, building materials, doors and windows, electrical, plumbing, paint, tools, fencing, and farm/ranch supplies, augmented by branded sub-lines such as Stay-Tuff fencing and Priefert ranch equipment.

The business is organized around two primary customer segments—DIY homeowners and Professional Contractors—with secondary focus on farm/ranch operators and government/education buyers. McCoy's operates an e-commerce platform at mccoys.com alongside a mobile app, drive-thru lumberyards, and same-day pickup services. Value-added financial services are embedded throughout the offering: Synchrony Bank-issued consumer and contractor credit cards, Net 10 and Revolving commercial credit lines up to $1 million, and an in-house interim construction financing product for spec home builders. The company also participates in the BuyBoard purchasing cooperative for institutional/government sales and runs a tiered loyalty program with a paint discount component.

Revenue mechanics combine one-time retail product sales across in-store and online channels with recurring credit-driven relationships and loyalty engagement. McCoy's is privately held with no disclosed external investors or PE/VC backing. Strategic activity in the most recent period includes a vertical acquisition of Rio Truss (December 2024), incremental store openings (including New Caney), and ongoing partnership-based product expansion in the farm/ranch vertical.

Name

McCoy

Legal name

McCoy Corporation

Website

https://mccoys.com

Company type

Private

Founded year

1927

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

McCoy's Building Supply is a privately held regional retailer founded in 1927 that operates 90+ stores across Texas, Oklahoma, and New Mexico, selling lumber, building materials, tools, and farm/ranch supplies to DIY homeowners, professional contractors, and government buyers, supported by 500+ delivery trucks and embedded credit/financing services.

Ownership category

akta.pro rank

Product category

Building Materials Retail

NAICS

Building Material and Supplies Dealers (4441), Building Material and Garden Equipment and Supplies Dealers (444), Home Centers (444110), Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers (42331), Farm and Garden Machinery and Equipment Merchant Wholesalers (423820)

SIC

Retail-Lumber & Other Building Materials Dealers (5211), Retail-Building Materials, Hardware, Garden Supply (5200), Wholesale-Lumber & Other Construction Materials (5030)

akta.pro primary industry

Building Materials & Lumber Distribution (CRAOAFAD)

akta.pro secondary industry

Farm Material Handling & Attachments (Loaders/Implements) (IMAHACAI)

Keywords

• Lumber and building supplies
• Construction materials retail
• Farm and ranch supplies
• Contractor credit programs
• Building materials delivery

Headquarters

HQ city

San Marcos

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Supply Chain, Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Retail Product Sales: Sale of building materials, hardware, tools, and related products through retail stores and e-commerce platform. Revenue generated from in-store purchases and online orders.
2. Consumer Credit Card Program: McCoy's Consumer Credit Card issued by Synchrony Bank provides financing options including 12 months special financing on purchases of $399 or more, and 6% back in rewards through the Building Bucks program.
3. Interim Construction Financing: Short-term business loans for home builders covering materials and construction costs until the property is sold. Loan terms include 80% LTV or 100% of hard costs, 1% origination fee, 9-month term.
4. Commercial Credit Programs: Net 10 Credit and Revolving Credit accounts for professional contractors and builders, with credit lines from $5,000 to $1,000,000 for commercial accounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

McCoy's Building Supply is a regional retailer that sells lumber, building materials, hardware, tools, paint, plumbing, electrical, fencing, and farm/ranch supplies through 90+ company-owned stores and an e-commerce platform across Texas, Oklahoma, and New Mexico. The offering is complemented by a 500+-truck delivery fleet with real-time tracking, multiple credit and financing programs for consumers and contractors, a tiered loyalty program, and government procurement via BuyBoard.

Product overview

McCoy's Building Supply is a regional building materials retailer operating since 1927, serving Texas, Oklahoma, and New Mexico. The company offers a unified retail platform with 20 core product categories spanning building materials, hardware, tools, and specialty items like farm/ranch supplies and outdoor living products. The portfolio includes branded sub-products (Stay-Tuff fencing, Priefert equipment) alongside value-added services: a Loyalty Program with tiered rewards and Paint Program discounts, consumer and commercial credit options (Credit Cards, Net 10 Credit, Revolving Credit, Interim Construction Financing), delivery services (Free Delivery, Store-to-Door with tracking, Same-Day Pickup, Drive-Thru Lumberyard), gift cards, BuyBoard government purchasing, and a mobile app for account management. The DIY Center and Pro Center provide customer-segmented resources, while Farm and Ranch Schedule extends community engagement through event participation.

Differentiator

Problem solved

Functional benefit

Products and services

• Building Materials Core category offering construction materials including lumber, plywood, OSB, concrete products, rebar, and insulation, with bulk pricing tiers (e.g., 50+ units of 2x4x8 lumber at $3.38 vs. standard $3.75). Sold to DIY homeowners and professional contractors across Texas, Oklahoma, and New Mexico.
• Doors & Windows Interior and exterior doors, windows, and related hardware and accessories for residential construction and renovation projects.
• Electrical Electrical supplies, wiring, conduit, circuit breakers, outlets, and lighting components for residential and commercial wiring projects.
• Farm, Ranch & Animal Care Specialized products for agricultural operations including fencing, livestock equipment, animal care supplies, and farm tools. Sourced from partners such as Priefert (headgates, stalls, feeders, corral panels, Tuff-Mac gates) and Stay-Tuff (fixed-knot fencing with 20-year warranty).
• Fasteners Nails, screws, bolts, anchors, and other fastening hardware for construction projects.
• Fencing Fencing materials including wood, vinyl, metal fencing, fence posts, and gate hardware for residential, agricultural, and commercial applications.
• Grilling & Outdoor Living Outdoor cooking equipment, grilling supplies, patio furniture, and outdoor living products including propane tank exchange and charcoal briquettes.
• Hardware General hardware items including hinges, locks, brackets, and mounting hardware.
• Heating, Cooling & Ventilation HVAC equipment, air conditioners, heaters, ventilation systems, and related supplies.
• Home Interior Interior finishing materials including trim, molding, shelving, and home décor items.
• Kitchen & Bath Kitchen and bathroom fixtures, cabinetry, countertops, sinks, faucets, and related plumbing products.
• Lighting & Ceiling Fans Interior and exterior lighting fixtures, ceiling fans, and electrical accessories.
• Paint Interior and exterior paints, stains, primers, and painting supplies, featuring a Valspar brand partnership and tiered Paint Program loyalty discounts.
• Plumbing (including Pipe & Pipe Fittings) Plumbing supplies including PVC, metal, and specialty piping along with fittings, connectors, valves, water heaters, pumps, and related equipment.
• Storage & Organization Storage solutions including shelving, closets, garage organization, and organizational systems.
• Tools Hand tools, power tools, tool storage, and tool accessories from various manufacturers.
• Tractor, Trailer & Auto Automotive supplies, trailer parts, tractor accessories, and equipment for vehicle maintenance.
• Workwear & Safety Gear Protective work clothing, safety equipment, hard hats, gloves, and personal protective equipment for trade and DIY use.
• McCoy's Consumer Credit Card Consumer credit card issued by Synchrony Bank offering a 10% instant discount on the first in-store purchase (up to $50) for new cardholders, 12-month special financing on purchases of $399 or more, and 6% back in rewards through the Building Bucks program. Cardholders manage accounts via the mySynchrony portal.
• McCoy's Commercial/Contractor Credit Card Synchrony-issued commercial credit card accepted at all McCoy's locations with increased buying power and no annual fee, providing contractor financing at point of purchase.
• Net 10 Credit Individualized lines of credit for residential and commercial builders and contractors with detailed billing, credit lines from $5,000 to $1,000,000, total balance due by the 10th of the month following purchase, and no interest on current accounts.
• Revolving Credit Revolving credit account for smaller business customers and repair/remodel customers with flexible minimum payments, credit lines from $1,000 to $10,000, and no service charge if paid in full by the 15th of the following month.
• Interim Construction Financing Business-to-business short-term loans for home builders covering materials and construction costs for spec homes until sale. Loan terms include 80% LTV or 100% of hard costs, a 1% origination fee, a 9-month term, and in-house processing.
• McCoy's Loyalty Program Customer loyalty program offering points, rewards, and tiered benefits including Paint Program discounts for DIY and Pro members.
• McCoy's Gift Cards Gift cards available in any denomination, redeemable at any McCoy's store with no fees and no expiration.
• McCoy's Mobile App Mobile application for iOS and Android enabling loyalty program access, account management, order tracking, and in-store identification.
• BuyBoard Government Sales Program Government purchasing cooperative contract under BuyBoard Contract #567-21 for Building Maintenance, Repair, Operations Supplies & Equipment, allowing public schools, municipalities, county government, and non-profits to purchase building materials through streamlined procurement with same/next-day delivery.

Quantifiable outcome

• Free delivery on orders over $50
• +1 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature1 record

Partnerships

Eight partnerships are on record, tiered core and minor.

• BuyBoard National Purchasing CooperativecoreChannel Partner/ Reseller/ DistributorMcCoy's is an approved BuyBoard vendor under Contract #567-21 for Building Maintenance, Repair, Operations Supplies & Equipment. Allows public schools, municipalities, county government, and non-profits to purchase building materials through streamlined procurement.
• Priefert ManufacturingminorStrategic or Co-development PartnerPartnership to offer Priefert Ranch and Rodeo Equipment including headgates, stalls, feeders, corral panels, and Tuff-Mac Gates. Products made by ranchers for ranchers with durability, versatility, and functionality.
• Stay-Tuff FencingminorStrategic or Co-development PartnerOffering Stay-Tuff fixed-knot fencing products including Cattle-Tuff, Horse-Tuff, Sheep & Goat, and Deer/Orchard/Wildlife fencing. Features 20-year warranty and 3x longer durability than traditional fencing.
• ValsparminorStrategic or Co-development PartnerFeatured paint brand partnership offering Valspar paint products with loyalty program paint discounts through tier-based Paint Program with increasing discounts at higher purchase levels.
• Texas FFA FoundationminorGTM or Marketing PartnerCorporate sponsorship and support for Texas FFA youth development organization. Includes special discount pricing for FFA members and educators for agricultural projects.
• Texas 4-HminorGTM or Marketing PartnerCorporate sponsorship supporting Texas 4-H youth development programs. Discount pricing available for 4-H members and educators on agricultural supplies.
• Texas High School Rodeo Association (THSRA)minorGTM or Marketing PartnerSponsorship of THSRA and TJHRA rodeo organizations. Monthly Farm & Ranch Family of the Month sponsorship in the Extreme Team News newspaper.
• Vocational Agriculture Teachers Association of Texas (VATAT)minorGTM or Marketing PartnerSupport for VATAT organization dedicated to informing agriculture teachers about latest education practices and providing unified voice in state legislature.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Builders FirstSource: Largest U.S. supplier of building products, prefabricated components, and value-added services to professional contractors. Most directly comparable to McCoy's on Pro contractor focus, lumber/building materials, and regional distribution, though at much larger national scale.
• ABC Supply Co. Largest wholesale distributor of roofing, siding, windows, and exterior building products in North America with a heavy Pro contractor focus and a large company-owned delivery fleet. Highly comparable operating model to McCoy's Pro distribution business.
• Lansing Building Products: PE-backed national distributor of exterior building products serving Pro contractors through branch locations and direct delivery. Comparable in regional branch-and-fleet model and Pro contractor focus.
• SRS Distribution: PE-backed building products distributor (Roofing, Siding, Windows, etc.) with rapid growth via acquisitions across multiple regional brands. Closely analogous M&A-driven regional roll-up playbook to what McCoy's is beginning with Rio Truss.
• 84 Lumber: Privately held national building materials supplier focused on Pro contractors, with lumber yards, manufacturing, and installed sales. Comparable to McCoy's on Pro contractor orientation, lumber, and engineered-wood categories.

Broad incumbents

• Home Depot: Largest U.S. home improvement retailer with national Pro and DIY segments, full building materials assortment, and proprietary Pro Xtra loyalty program. Primary competitor across McCoy's footprint, though operating at vastly larger scale and broader scope.
• Lowe's: Second-largest U.S. home improvement retailer with national Pro and DIY coverage, commercial credit programs, and broad building materials assortments. Directly competitive with McCoy's across TX/OK/NM, though at national scale.
• Menards: Private, family-owned Midwest/U.S. home improvement chain operating company-owned stores with strong lumber and building materials presence. Comparable as a privately held regional big-box competitor.
• Tractor Supply Company: Largest U.S. rural lifestyle retailer focused on farm, ranch, and rural home customers with strong private-label credit and loyalty programs. Comparable on McCoy's farm/ranch vertical, though operating a narrower, larger-store concept.

Emerging players

• Ace Hardware: Hardware retailer cooperative with growing Pro-focused initiatives and expanding building materials assortment. Overlaps with McCoy's on hardware, tools, and Pro contractor offerings at a smaller-store format.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/BornToBuild
• Facebookfacebook.com/mccoysdayton

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about McCoy