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NAICS 449129, industry

NAICS 449129: All other home furnishings retailers

NAICS 449129 is the industry code for all other home furnishings 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 449129 covers

All other home furnishings retailers sell items such as kitchenware, cookware, lamps, picture frames, bedding, glassware and home decor.

New code in NAICS 2022, replacing 442299 and absorbing online home furnishings sellers from 454110.

Included in this code

  • Kitchenware stores
  • Lamp and lighting stores
  • Home decor boutiques
  • Bed and bath stores
  • Online home goods retailers

Not this code

Businesses that use 449129

Home decor boutiqueKitchen storeLighting showroom

Financing for this trade

Home goods stores use inventory lines, SBA loans and revenue based financing for online sellers. Lenders review margins and seasonality.

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Is 449129 the right code for a home decor store?

Yes, if you sell home goods such as kitchenware, lighting, bedding or decor, in stores or online. Furniture stores use 449110. Gift shops selling mainly souvenirs or novelties use 459420. The closest alternatives are 449110 (furniture retailers) and 459420 (gift, novelty, and souvenir 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 449129?

The SBA size standard for 449129 is $34M 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 home decor store at or below that figure counts as small for SBA 7(a) and 504 loans and for federal small business contracts.

What financing helps a home goods store?

Inventory lines and supplier terms carry stock for the holiday season, which often brings the biggest month. SBA 7(a) loans fund buildouts and second locations. Online sellers use revenue based financing. Lenders look at margins, inventory turns and seasonality. Most lenders want two years of tax returns, year to date financial statements and a current debt schedule, and they size payments so cash flow covers debt service comfortably.

What does NAICS 449129 cover?

All other home furnishings retailers. Industry level code in NAICS 2022, under 44-45 Retail trade, 449 Furniture, home furnishings, electronics, and appliance retailers, 4491 Furniture and home furnishings retailers, 44912 Home furnishings retailers.

What financing do NAICS 449129 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 449129?

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.