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NAICS 441120, industry

NAICS 441120: Used car dealers

NAICS 441120 is the industry code for used car dealers. Use it on loan applications, tax forms and registrations. Explore financing for auto repair and dealers and start your application when you are ready.

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What 441120 covers

Used car dealers sell only used cars, trucks and SUVs, including buy here pay here lots and independent dealers.

Included in this code

  • Independent used car lots
  • Buy here pay here dealers
  • Used truck dealers
  • Online used car sellers

Not this code

Businesses that use 441120

Independent used car lotBuy here pay here dealerUsed truck lot

Financing for this trade

Used car dealers use floor plan lines from independent floor plan companies, lines secured by retail installment contracts for buy here pay here lots, and SBA loans for property. Lenders look at aging inventory, title control and dealer license.

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Is 441120 the right code for a used car dealer?

Yes, if you sell used vehicles only and do not hold a new car franchise. Buy here pay here lots that also finance their customers still use this code, though the financing arm may have its own. Wholesale auto auctions use 423110.

What is the SBA size standard for 441120?

The SBA size standard for 441120 is $31M in average annual receipts. SBA averages total gross receipts over the last five completed fiscal years and adds in any affiliates under common control. A used car dealer at or below that figure counts as small for SBA 7(a) and 504 loans and for federal small business contracts.

How do independent used car dealers finance inventory?

Independent floor plan companies advance against cars bought at auction and are repaid when each unit sells. Buy here pay here dealers also use lines secured by their customer contracts. SBA 7(a) or 504 loans can buy the lot. Lenders want title controls, curtailment discipline and turn times.

What does NAICS 441120 cover?

Used car dealers. Industry level code in NAICS 2022, under 44-45 Retail trade, 441 Motor vehicle and parts dealers, 4411 Automobile dealers, 44112 Used car dealers.

What financing do NAICS 441120 businesses use?

Equipment financing, working capital, SBA loans and invoice factoring are the products placed most for auto repair and dealers businesses. Start an application and the AI matches the deal to lenders that fund this code.

Where do I put NAICS 441120?

On the SBA loan application, on federal Schedule C or Form 1120, on SAM.gov and state registrations, and on most lender applications. A business can report more than one code; use this one if it describes what produces most of your revenue.