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NAICS 445110, industry

NAICS 445110: Supermarkets and other grocery retailers (except convenience retailers)

NAICS 445110 is the industry code for supermarkets and other grocery retailers (except convenience retailers). Use it on loan applications, tax forms and registrations. Explore financing for retail and start your application when you are ready.

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What 445110 covers

Supermarkets and grocery stores sell a general line of food such as canned and frozen goods, fresh produce, meat, dairy and bakery items, plus household products. Independent grocers, ethnic markets and chains all fall here.

NAICS 2022 renamed this code and folded in online grocery sellers that were formerly classified in 454110.

Included in this code

  • Supermarkets
  • Independent grocery stores
  • Ethnic and international grocery stores
  • Online grocery retailers
  • Food cooperatives

Not this code

Businesses that use 445110

Independent supermarketHispanic or Asian grocery storeOrganic grocery co opOnline grocery delivery retailer

Financing for this trade

Grocers finance refrigeration, checkout systems and store buildouts with equipment loans and SBA 7(a) or 504 loans, and use lines of credit for inventory. Lenders look at gross margin, shrink, lease terms and competition from nearby chains.

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Is 445110 the right code for a grocery store?

Yes, if your store sells a full range of groceries, including fresh produce, meat and dairy, from a supermarket or neighborhood grocery. Smaller stores built around snacks, drinks and quick purchases use 445131. Ethnic markets and online grocers that sell a general line of food also belong here.

What is the SBA size standard for 445110?

The SBA size standard for 445110 is $40M 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 grocery store at or below that figure counts as small for SBA 7(a) and 504 loans and for federal small business contracts.

What financing do grocery stores use?

SBA 7(a) loans are common for buying a grocery store or opening a new one, and SBA 504 loans fund owner occupied buildings. Refrigerated cases, walk in coolers and point of sale systems are financed with equipment loans. A working capital line smooths inventory buys. Lenders review margins, shrink and lease terms.

What does NAICS 445110 cover?

Supermarkets and other grocery retailers (except convenience retailers). Industry level code in NAICS 2022, under 44-45 Retail trade, 445 Food and beverage retailers, 4451 Grocery and convenience retailers, 44511 Supermarkets and other grocery retailers (except convenience retailers).

What financing do NAICS 445110 businesses use?

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

Where do I put NAICS 445110?

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.