Skip to content
Log in Apply
NAICS 459140, industry

NAICS 459140: Musical instrument and supplies retailers

NAICS 459140 is the industry code for musical instrument and supplies retailers. Use it on loan applications, tax forms and registrations. Explore financing for retail and start your application when you are ready.

Apply for funding with AI

What 459140 covers

Musical instrument and supplies retailers sell instruments, sheet music, amplifiers and accessories, often with lessons and repair.

New code in NAICS 2022, replacing 451140.

Included in this code

  • Musical instrument stores
  • Guitar shops
  • Piano stores
  • Sheet music stores

Not this code

Businesses that use 459140

Guitar shopPiano storeBand instrument store with rentals

Financing for this trade

Music stores use inventory lines, floor plan programs for pianos and rental fleet financing. Lenders look at rental income and inventory.

Apply for funding with AI

Is 459140 the right code for a music store?

Yes, if most revenue comes from selling instruments, gear and accessories. If lessons are the main revenue, use 611610. Instrument rental programs run by the store stay under this code. The closest alternatives are 611610 (fine arts schools) and 423990 (other miscellaneous durable goods merchant wholesalers). 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 459140?

The SBA size standard for 459140 is $23M 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 music 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 music store?

Inventory lines and supplier floor plans carry instruments, and school band rental fleets are financed with term loans. SBA 7(a) loans fund buildouts and purchases. Lenders look at rental contract income, inventory aging and lesson revenue. Businesses within the $23M SBA size standard can also use SBA 7(a) loans of up to $5 million for working capital, equipment or a buyout, and SBA 504 loans for owner occupied buildings.

What does NAICS 459140 cover?

Musical instrument and supplies retailers. Industry level code in NAICS 2022, under 44-45 Retail trade, 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers, 4591 Sporting goods, hobby, and musical instrument retailers, 45914 Musical instrument and supplies retailers.

What financing do NAICS 459140 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 459140?

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.