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NAICS 458110, industry

NAICS 458110: Clothing and clothing accessories retailers

NAICS 458110 is the industry code for clothing and clothing accessories 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 458110 covers

Clothing and accessories retailers sell apparel and accessories such as dresses, suits, children's clothing, hats, belts and handbags, in stores or online.

New code in NAICS 2022, combining the former clothing store codes 448110 through 448190 and 448150 plus online apparel sellers.

Included in this code

  • Women's and men's clothing stores
  • Children's clothing stores
  • Boutiques
  • Bridal shops
  • Accessory stores
  • Online clothing retailers

Not this code

Businesses that use 458110

Women's boutiqueBridal shopOnline clothing brand selling direct

Financing for this trade

Clothing retailers use inventory lines, SBA 7(a) loans for buildouts and revenue based financing for online brands. Lenders look at markdowns, inventory aging and seasonality.

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Is 458110 the right code for a clothing store?

Yes, if you sell clothing or accessories to consumers in a store or online. Shoe stores use 458210, thrift and consignment stores use 459510, and brands selling mainly to other retailers use 424350. NAICS 2022 merged all the separate clothing store codes into this one.

What is the SBA size standard for 458110?

The SBA size standard for 458110 is $47M 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 clothing 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 clothing boutiques and online apparel brands use?

Boutiques use SBA 7(a) loans and lines of credit to fund buildouts and seasonal buys. Direct to consumer brands often use inventory financing and revenue based financing tied to sales. Lenders review sell through, markdowns and customer acquisition costs. Expect lenders to ask for receivables and payables agings, recent bank statements and a debt schedule, which also help a broker match the request to the right lender quickly.

What does NAICS 458110 cover?

Clothing and clothing accessories retailers. Industry level code in NAICS 2022, under 44-45 Retail trade, 458 Clothing, clothing accessories, shoe, and jewelry retailers, 4581 Clothing and clothing accessories retailers, 45811 Clothing and clothing accessories retailers.

What financing do NAICS 458110 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 458110?

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.