Analysis
NAICS 52229 is the 2022 NAICS industry for other nondepository credit intermediation, part of 5222 (Nondepository Credit Intermediation). Census lists 58 example activities under it in the official index.
County Business Patterns counts 38,403 US establishments in this code in 2023, employing 411,884 people at an average annual payroll of $103,899 per employee (86th percentile of national industries). 68% of the establishments have fewer than five employees, which marks it as a small-business industry.
By establishments it ranks 1st of the 3 codes at this level within Nondepository Credit Intermediation, with 90.6% of them.
Census lists 6 related activities that belong elsewhere, most often in 52221, 532, 5221 and 52231. Businesses that do several things are classified by their primary activity, the one that generates the most value, so check those boundaries before settling on this code.
Across its national industries Census lists 58 index entries; typical ones are consumer finance companies (i.e., unsecured cash loans), construction lending and agencies of foreign banks (i.e., trade financing).
It splits into 3 more detailed codes. The largest by establishments is 522292 (Real Estate Credit) with 16,591.
Official definition
This industry comprises establishments primarily engaged in making cash loans or extending credit through credit instruments (except credit cards and sales finance agreements).
Illustrative Examples:
Consumer finance companies (i.e., unsecured cash loans) Mortgage companies International trade financing Secondary market financing
Source: US Census Bureau, NAICS 2022 Manual.
Not this code if…
| The business mainly does | Use instead |
|---|---|
| Providing credit sales by issuing credit cards | 52221 Credit Card Issuing |
| Providing leases for equipment and other assets without sales financing | 532 Rental and Leasing Services |
| Accepting deposits and lending funds from these deposits | 5221 Depository Credit Intermediation |
| Arranging loans for others on a commission or fee basis | 52231 Mortgage and Nonmortgage Loan Brokers |
| Servicing loans or providing check cashing services | 52239 Other Activities Related to Credit Intermediation |
| Guaranteeing international trade loans | 52412 Direct Insurance (except Life, Health, and Medical) Carriers |
Index entries (58)
- Consumer finance companies (i.e., unsecured cash loans)
- Construction lending
- Agencies of foreign banks (i.e., trade financing)