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NAICS 522299, industry

NAICS 522299: International, secondary market, and all other nondepository credit intermediation

NAICS 522299 is the industry code for international, secondary market, and all other nondepository credit intermediation. Use it on loan applications, tax forms and registrations. Explore financing for professional services and start your application when you are ready.

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What 522299 covers

This code covers nondepository credit businesses not elsewhere classified, such as pawn shops, secondary market financing, international trade financing and business lenders like merchant cash advance providers.

New code in NAICS 2022, combining international trade financing (522293), secondary market financing (522294) and all other nondepository credit (522298).

Included in this code

  • Pawn shops
  • Secondary market financing
  • International trade finance
  • Factoring companies
  • Merchant cash advance and business lenders

Not this code

Businesses that use 522299

Pawn shopMerchant cash advance providerTrade finance company

Financing for this trade

Nondepository lenders fund portfolios with bank credit facilities, private credit lines and investor capital, since lending businesses cannot use SBA 7(a) loans. Lenders look at loss rates, advance rates and servicing quality.

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Is 522299 the right code for a nondepository lender?

Yes, if you lend as a nondepository institution and do not fit consumer, mortgage or sales financing, such as pawn shops or business lenders. Brokers that arrange loans use 522310. The closest alternatives are 522291 (consumer lending) and 522292 (real estate credit). 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 522299?

The SBA size standard for 522299 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 nondepository lender at or below that figure counts as small for federal small business contracts and other SBA size determinations, although lending and passive investment businesses are generally not eligible for SBA 7(a) loans.

How do business lenders and pawn shops get funded?

Pawn shops fund loans with bank lines secured by their loan book and inventory, since lending businesses cannot use SBA 7(a) loans. Merchant cash advance and business lenders raise capital through credit facilities and private credit investors. Lenders review loss rates, licensing and collections.

What does NAICS 522299 cover?

International, secondary market, and all other nondepository credit intermediation. Industry level code in NAICS 2022, under 52 Finance and insurance, 522 Credit intermediation and related activities, 5222 Nondepository credit intermediation, 52229 Other nondepository credit intermediation.

What financing do NAICS 522299 businesses use?

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

Where do I put NAICS 522299?

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.