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NAICS 561450, industry

NAICS 561450: Credit bureaus

NAICS 561450 is the industry code for credit bureaus. 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 561450 covers

Credit bureaus compile credit histories and other information on consumers and businesses and sell reports to lenders, landlords and employers. Tenant screening services that pull credit and business credit rating agencies also fit here.

Included in this code

  • Consumer credit reporting
  • Business credit rating services
  • Tenant credit screening
  • Mercantile credit reporting

Not this code

Businesses that use 561450

Consumer credit bureauBusiness credit reporting firmTenant screening company

Financing for this trade

Credit reporting firms finance data platforms and growth with lines of credit, SBA 7(a) loans and revenue based financing on subscription revenue. Lenders look at recurring subscriptions, data licensing agreements and regulatory compliance.

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Is 561450 the right code for a credit bureau or credit reporting agency?

Yes, if you compile credit histories and sell credit reports or ratings on consumers or businesses. Tenant screening companies that mainly sell credit reports fit here. If you mainly do criminal and employment background checks, 561611 is closer. Collection agencies use 561440.

What is the SBA size standard for 561450?

SBA sets the size standard for 561450 at $41 million in average annual receipts, averaged over the last five completed fiscal years and counting affiliates. Credit bureaus at or under that figure qualify as small businesses for SBA 7(a) and 504 loans and for federal small business set asides. Most independent credit bureaus fall well inside the limit, so size is rarely what decides an SBA application.

How do credit reporting companies finance growth?

Common tools are a line of credit, SBA 7(a) loans for working capital, and revenue based financing on recurring subscription income. Lenders look at contracted subscribers, churn, data source agreements and compliance with consumer reporting laws. Strong data security practices also help, since breaches create real liability.

What does NAICS 561450 cover?

Credit bureaus. Industry level code in NAICS 2022, under 56 Administrative and support and waste management and remediation services, 561 Administrative and support services, 5614 Business support services, 56145 Credit bureaus.

What financing do NAICS 561450 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 561450?

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.