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NAICS 459510, industry

NAICS 459510: Used merchandise retailers

NAICS 459510 is the industry code for used merchandise 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 459510 covers

Used merchandise retailers sell used goods such as clothing, furniture, books, antiques and appliances, including thrift, consignment and pawn shop retail sales.

New code in NAICS 2022, replacing 453310.

Included in this code

  • Thrift stores
  • Consignment shops
  • Antique stores
  • Used furniture stores
  • Used book stores
  • Online resale sellers

Not this code

Businesses that use 459510

Thrift storeConsignment boutiqueAntique mallUsed furniture store

Financing for this trade

Resale stores use small lines of credit, SBA microloans and 7(a) loans. Lenders focus on cash flow rather than inventory, which has little collateral value.

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Is 459510 the right code for a thrift and resale store?

Yes, if you sell used goods, including antiques, consignment clothing or used furniture. Used car dealers use 441120. Pawn shops whose revenue is mostly lending may use 522299 instead. If your work overlaps, also read the definitions for 441120 (used car dealers) and 522299 (international, secondary market, and all other nondepository credit intermediation), then choose the code that matches your largest source of revenue.

What is the SBA size standard for 459510?

The SBA size standard for 459510 is $14M 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 thrift and resale 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 thrift or consignment store?

Used inventory has little collateral value, so lenders focus on cash flow. SBA 7(a) loans and microloans fund buildouts and purchases, and box trucks for donation pickup use vehicle loans. Lenders look at margins and lease terms. 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 459510 cover?

Used merchandise retailers. Industry level code in NAICS 2022, under 44-45 Retail trade, 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers, 4595 Used merchandise retailers, 45951 Used merchandise retailers.

What financing do NAICS 459510 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 459510?

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.