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NAICS 485113, industry

NAICS 485113: Bus and other motor vehicle transit systems

NAICS 485113 is the industry code for bus and other motor vehicle transit systems. Use it on loan applications, tax forms and registrations. Explore financing for trucking and logistics and start your application when you are ready.

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What 485113 covers

Bus and other motor vehicle transit systems run local and suburban bus service on regular routes.

Included in this code

  • City bus systems
  • Suburban bus routes
  • Paratransit run by transit systems
  • Contract bus operators

Not this code

Businesses that use 485113

City bus serviceContract fixed route operatorMicrotransit operator

Financing for this trade

Transit operators rely on federal grants, bonds and equipment leases. Private contractors finance buses with equipment loans tied to agency contracts.

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Is 485113 the right code for a bus transit operator?

Yes, if you operate scheduled local or suburban bus routes, either as a public system or a contractor. Intercity buses use 485210, and school buses use 485410. Owners in this trade most often weigh it against 485210 (interurban and rural bus transportation) and 485410 (school and employee bus transportation). The right choice is the activity that brings in the most revenue, used the same way on tax returns and loan applications.

What is the SBA size standard for 485113?

The SBA size standard for 485113 is $33M 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 bus transit operator at or below that figure counts as small for SBA 7(a) and 504 loans and for federal small business contracts.

How do private bus contractors finance their fleets?

Contractors often finance buses with equipment loans and leases matched to the length of the agency contract. Some agencies provide the buses. Lenders look at contract terms, renewal history and performance bonds. 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 485113 cover?

Bus and other motor vehicle transit systems. Industry level code in NAICS 2022, under 48-49 Transportation and warehousing, 485 Transit and ground passenger transportation, 4851 Urban transit systems, 48511 Urban transit systems.

What financing do NAICS 485113 businesses use?

Equipment financing, working capital, SBA loans and invoice factoring are the products placed most for trucking and logistics businesses. Start an application and the AI matches the deal to lenders that fund this code.

Where do I put NAICS 485113?

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.