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NAICS 445291, industry

NAICS 445291: Baked goods retailers

NAICS 445291 is the industry code for baked goods 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 445291 covers

Baked goods retailers sell bread, cakes, cookies, donuts and pastries that are baked somewhere else, such as a central kitchen or commercial bakery. Shops that bake on the premises and sell retail are classified in 311811 instead.

Included in this code

  • Retail bakeries that buy baked goods to resell
  • Donut shops selling to go
  • Bagel shops without seating focus
  • Bakery outlets

Not this code

Businesses that use 445291

Donut shopBakery thrift outletBagel store

Financing for this trade

Bakery retailers use equipment loans for ovens and cases and SBA 7(a) loans for buildouts or franchise purchases. Lenders look at margins and lease terms.

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Is 445291 the right code for a bakery?

Yes, if you sell baked goods at retail that are mostly baked elsewhere. If you bake on the premises and sell retail, NAICS puts you in 311811, and if customers mainly eat in with coffee, 722515 may fit. Donut and bagel shops often pick between these.

What is the SBA size standard for 445291?

The SBA size standard for 445291 is $16M 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 bakery at or below that figure counts as small for SBA 7(a) and 504 loans and for federal small business contracts.

What financing do bakeries and donut shops use?

SBA 7(a) loans are common for franchise donut shops and buildouts. Ovens, mixers, proofers and display cases are financed with equipment loans. Lenders look at daily sales, food costs and lease length. A broker who works with many lenders can line up bank, SBA and alternative offers side by side, which often matters more than chasing the lowest headline price.

What does NAICS 445291 cover?

Baked goods retailers. Industry level code in NAICS 2022, under 44-45 Retail trade, 445 Food and beverage retailers, 4452 Specialty food retailers, 44529 Other specialty food retailers.

What financing do NAICS 445291 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 445291?

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.