2022 NAICS national industry in sector 52 Finance and Insurance

522299 International, Secondary Market, and All Other Nondepository Credit Intermediation

NAICS 522299 is the US industry code for international, secondary market, and all other nondepository credit intermediation. This U.S.

Code: 522299 (2022 NAICS)
Title: International, Secondary Market, and All Other Nondepository Credit Intermediation
Part of: Other Nondepository Credit Intermediation
SBA small business limit: Average annual receipts up to $47 million
Closest UK SIC: 64110, 64921, 64922, 64929 and 3 more (details)

Changes coming. The NAICS 2027 revision applies to data from 1 January 2027, and SBA proposed new size standards on 20 August 2026. The values on this page are the ones in force today; we update this page when the official files change.

Official definition

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.

Examples Census gives

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

Source: US Census Bureau, 2022 NAICS descriptions.

When to use a different code

Census classifies these close-sounding activities somewhere else. Businesses mainly engaged in:

Establishments primarily engaged in providing credit sales funding are classified in Industry 522210, Credit Card Issuing.
Establishments primarily engaged in sales financing or sales financing in combination with leasing are classified in Industry 522220, Sales Financing.
Establishments primarily engaged in making unsecured cash loans to consumers are classified in U.S. Industry 522291, Consumer Lending.
Establishments primarily engaged in lending funds with real estate as collateral are classified in U.S. Industry 522292, Real Estate Credit.
Establishments primarily engaged in accepting deposits and lending funds from these deposits are classified in Industry Group 5221, Depository Credit Intermediation.
Establishments known as industrial banks or Morris Plans and primarily engaged in accepting deposits are classified in Industry 522180, Savings Institutions and Other Depository Credit Intermediation.
Establishments primarily engaged in arranging loans, including international trade loans, for others on a commission or fee basis are classified in Industry 522310, Mortgage and Nonmortgage Loan Brokers.
Establishments primarily engaged in guaranteeing international trade loans are classified in U.S. Industry 524126, Direct Property and Casualty Insurance Carriers.

Source: US Census Bureau, 2022 NAICS cross-references.

Activities listed under 522299

The Census index assigns these 41 activities to this code. If your business matches one, this is your code.

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

Source: US Census Bureau, 2022 NAICS index file.

SBA size standard for 522299

To count as a small business for SBA loans and federal contracts under NAICS 522299, your business (including affiliates) must not exceed $47 million in average annual receipts. Check your business.

Source: SBA table of size standards, effective March 17, 2023.

Closest UK SIC 2007 codes

There is no official one-to-one link between NAICS and UK SIC. These codes share the same international class (ISIC Rev. 4: 6492, 6499, 6411), so treat them as a starting point and check the definition.

Built from Census concordances 2022→2017 NAICS and 2017 NAICS→ISIC Rev. 4.

Similar codes to compare

Data last changed November 14, 2026. How this page is built.