NAICS 522299 - International, Secondary Market, and All Other Nondepository Credit Intermediation
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What is NAICS 522299
NAICS code 522299 covers establishments engaged in providing specialized nondepository credit services that do not include traditional credit card issuing, consumer lending, or real estate credit. This sector includes firms offering working capital loans to U.S. exporters, financing foreign buyers of U.S. goods, and lending to domestic purchasers of imported products. It also encompasses entities involved in buying, pooling, and repackaging loans for sale on secondary markets, as well as those providing various types of short-term and secured credit facilities. Businesses in this sector play a crucial role in facilitating international trade and supporting niche credit needs that traditional banks may not cover. Government agencies contract these services to bolster economic development, support export activities, and manage credit risks associated with trade financing and secondary market loan transactions. The services offered under this NAICS code ensure liquidity and financial support for targeted sectors of the economy, especially in international commerce and agricultural financing.
Industry Classification for NAICS 522299
This U.S. industry comprises (1) establishments primarily engaged in providing working capital funds to U.S. exporters, lending funds to foreign buyers of U.S. goods, and/or lending funds to domestic buyers of imported goods; (2) establishments primarily engaged in buying, pooling, and repackaging loans for sale to others on the secondary market; and (3) establishments primarily providing other nondepository credit (except credit card issuing, sales financing, consumer lending, and real estate credit). Examples of types of lending in this industry are short-term inventory credit, agricultural lending (except real estate and sales financing), and consumer cash lending secured by personal property.
Illustrative Examples:
- Commodity Credit Corporation
- Factoring accounts receivable
- Industrial banks (i.e., known as), nondepository
- International trade financing
- Morris Plans (i.e., known as), nondepository
- Pawnshops
- Secondary market financing
Breakdown for NAICS 522299
- Includes establishments providing working capital to exporters and credit to foreign and domestic buyers of goods.
- Encompasses businesses that buy, pool, and repackage loans for secondary market sales.
- Excludes credit card issuing, consumer lending, sales financing, and real estate credit services.
- Typical lending types include short-term inventory credit and agricultural lending excluding real estate.
- Supports international trade financing and specialized nondepository credit activities.
- Small business size standards vary but generally include firms with revenues up to $30 million.
Included Activities for NAICS 522299
- Providing working capital loans to U.S. exporters.
- Lending funds to foreign buyers of U.S. goods.
- Financing domestic purchasers of imported goods.
- Buying, pooling, and repackaging loans for sale on the secondary market.
- Offering agricultural credit excluding real estate and sales financing.
- Providing consumer cash lending secured by personal property.
- Engaging in short-term inventory credit financing.
- Managing trade credit and export financing programs.
Business Types for NAICS 522299
- Industrial banks (nondepository)
- Factoring companies specializing in accounts receivable
- Pawnshops providing secured consumer cash loans
- Export credit agencies and trade finance firms
- Secondary market loan purchasers and securitizers
- Agricultural lenders excluding real estate credit
Subcategories for NAICS 522299
- Agencies of foreign banks (i.e., trade financing)
- Agreement corporations (i.e., international trade financing)
- Agricultural credit institutions, making loans or extending credit (except real estate, sales financing)
- Agricultural lending (except real estate, sales financing)
- Banks, industrial (i.e., known as), nondepository
- Banks, trade (i.e., international trade financing)
- Car title lending
- Collateralized mortgage obligation (CMO) issuing, private
- Commodity Credit Corporation
- Edge Act corporations
- Export trading companies (i.e., international trade financing)
- Export-Import banks
- Factoring accounts receivable
- Federal Agricultural Mortgage Corporation
- Federal Home Loan Banks (FHLB)
- Federal Home Loan Mortgage Corporation (FHLMC)
- Federal Intermediate Credit Bank
- Federal National Mortgage Association (FNMA)
- FHLMC (Federal Home Loan Mortgage Corporation)
- Financing, secondary market
- FNMA (Federal National Mortgage Association)
- GNMA (Government National Mortgage Association)
- Government National Mortgage Association (GNMA)
- Government-sponsored enterprises providing secondary market financing
- Industrial banks (i.e., known as), nondepository
- Industrial loan companies, nondepository
- International trade financing
- Morris Plans (i.e., known as), nondepository
- National Credit Union Administration (NCUA)
- Pawnshops
- Plans, Morris (i.e., known as), nondepository
- Purchasing of accounts receivable
- Real estate mortgage investment conduits (REMICs) issuing, private
- REMICs (real estate mortgage investment conduits) issuing, private
- Repackaging loans for sale to others (i.e., private conduits)
- Secondary market financing (i.e., buying, pooling, repackaging loans for sale to others)
- Short-term inventory credit lending
- SLMA (Student Loan Marketing Association)
- Student Loan Marketing Association (SLMA)
- Trade banks (i.e., international trade financing)
- Trade financing, international
Government Buyers for NAICS 522299
Federal agencies such as the U.S. Department of Agriculture, the Export-Import Bank of the United States, and the Small Business Administration frequently procure services under NAICS 522299. These agencies require specialized lending and credit facilitation services to support export financing, agricultural credit programs, and secondary market loan management. State and local economic development authorities may also engage these services to promote regional trade and manufacturing growth. Government contracts in this sector help facilitate access to capital for exporters, farmers, and small businesses, aligning with policy goals around trade promotion, rural development, and financial market stability.
Contract Types & Procurement for NAICS 522299
Contracts awarded under NAICS 522299 typically include financial services agreements for loan origination, loan pooling and securitization services, and trade credit facilitation contracts. Procurement methods often involve competitive bidding and negotiated procurements due to the specialized nature of financial expertise required. Contract values vary widely, from smaller project-based contracts supporting specific lending programs to multimillion-dollar agreements for ongoing portfolio management and financing facilitation. Many contracts are structured as firm-fixed-price or cost-reimbursement, depending on the complexity and duration of the financing services provided.
Details for NAICS 522299
Explore the hierarchy and related codes for this industry
| NAICS Code | Industry Title |
|---|---|
| 522210 | Credit Card Issuing |
| 522220 | Sales Financing |
| 522291 | Consumer Lending |
| 522292 | Real Estate Credit |
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