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NAICS 445298, industry

NAICS 445298: All other specialty food retailers

NAICS 445298 is the industry code for all other specialty food 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 445298 covers

All other specialty food retailers sell food items not covered elsewhere, such as coffee and tea, spices, health foods, cheese, olive oil and gourmet products.

New code in NAICS 2022, replacing 445299 and absorbing online specialty food sellers from 454110.

Included in this code

  • Coffee and tea stores selling beans and leaves
  • Spice shops
  • Cheese shops
  • Health food stores
  • Gourmet food stores
  • Online specialty food sellers

Not this code

Businesses that use 445298

Cheese shopSpice storeGourmet food shopOnline coffee bean seller

Financing for this trade

Specialty food stores use SBA 7(a) loans, equipment loans for cases and coolers, and inventory lines. Online sellers may use revenue based financing. Lenders focus on margins and inventory spoilage.

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Is 445298 the right code for a specialty food store?

Yes, if you sell a specialty food line such as spices, cheese, coffee beans, tea or gourmet goods, in a store or online. If you sell brewed coffee drinks for consumption, use 722515. Vitamin and supplement shops use 456191. The closest alternatives are 445110 (supermarkets and other grocery retailers) and 456191 (food (health) supplement retailers). Use whichever matches your largest revenue stream, and keep it consistent across tax filings, SBA forms and lender applications.

What is the SBA size standard for 445298?

The SBA size standard for 445298 is $10M 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 specialty food 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 specialty food retailers use?

Brick and mortar shops use SBA 7(a) loans for buildouts and equipment loans for cases and coolers. Online sellers often use revenue based financing or inventory lines tied to sales. Lenders review margins, inventory shelf life and sales channel mix.

What does NAICS 445298 cover?

All other specialty food 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 445298 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 445298?

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.