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NAICS 491110, industry

NAICS 491110: Postal service

NAICS 491110 is the industry code for postal service. Use it on loan applications, tax forms and registrations. Lenders price it on the business's own numbers rather than an industry program.

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What 491110 covers

This code covers the US Postal Service and its operations, including contract postal units and highway contract routes.

Included in this code

  • US Postal Service operations
  • Contract postal units
  • Mail delivery under postal contracts

Not this code

Businesses that use 491110

Contract postal unitHighway contract route carrier

Financing for this trade

Postal contractors finance vehicles with loans and rely on USPS contract income. Lenders look at contract terms.

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Is 491110 the right code for a postal contractor?

Yes, if you operate as part of the US Postal Service or under contract running postal operations. Private mail and parcel stores use 561431, and private couriers use 492110. Owners in this trade most often weigh it against 492110 (couriers and express delivery services) and 561431 (private mail centers). 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 491110?

The SBA size standard for 491110 is $9M 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 postal contractor at or below that figure counts as small for SBA 7(a) and 504 loans and for federal small business contracts.

What financing do USPS contract carriers use?

Highway contract route carriers finance trucks with equipment loans based on their USPS contracts, and some use lines of credit for fuel and payroll. Lenders review contract length and renewal history. 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 491110 cover?

Postal service. Industry level code in NAICS 2022, under 48-49 Transportation and warehousing, 491 Postal service, 4911 Postal service, 49111 Postal service.

What financing do NAICS 491110 businesses use?

Term loans, lines of credit, SBA loans and working capital are the usual products. Start an application and the AI matches the deal to lenders that fund this code.

Where do I put NAICS 491110?

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.