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NAICS Code· 522220

NAICS 522220: Sales Financing

This industry comprises establishments primarily engaged in sales financing or sales financing in combination with leasing. Sales financing establishments are primarily engaged in lending money for the purpose of providing collateralized goods through a contractual installment sales agreement, either directly from or through arrangements with dealers. Cross-References.Show more

NAICS 522220 – Sales Financing covers financial services that facilitate the purchase of goods and services through structured credit arrangements, including installment plans, lease financing, and vendor-sponsored lending programs. In the government contracting context, this NAICS code applies to entities that provide financing solutions to support federal procurement of equipment, vehicles, technology systems, and other capital assets.

5
Active Contracts
$209K
Total Obligations (12mo)
1
Awarded Contracts (12mo)
1
Contractors Awarded (12mo)
1
Median Bidders per Award
+100.0%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 522220.

AI Industry Description

NAICS 522220 – Sales Financing covers financial services that facilitate the purchase of goods and services through structured credit arrangements, including installment plans, lease financing, and vendor-sponsored lending programs. In the government contracting context, this NAICS code applies to e...

NAICS 522220 – Sales Financing covers financial services that facilitate the purchase of goods and services through structured credit arrangements, including installment plans, lease financing, and vendor-sponsored lending programs. In the government contracting context, this NAICS code applies to entities that provide financing solutions to support federal procurement of equipment, vehicles, technology systems, and other capital assets. These services enable agencies to acquire necessary assets without upfront capital outlays, aligning with budgetary constraints and multi-year appropriations cycles. While not a direct provider of goods or services, sales financing firms play a critical enabling role in the acquisition lifecycle by structuring payment terms that enhance affordability and cash flow management for federal buyers. No contractor data is available to identify top performers in this NAICS code, indicating limited or fragmented contract activity. Contractors in this space typically include specialized financial institutions, captive finance subsidiaries of large manufacturers, and niche fintech firms offering government-compliant lending platforms. The competitive landscape is likely dominated by established financial services providers with federal compliance expertise rather than traditional defense primes. No agency data is available to identify primary buyers, but demand is likely driven by departments with high capital expenditure needs such as the Department of Defense, General Services Administration, and Department of Transportation. These agencies may utilize sales financing to acquire vehicles, IT infrastructure, or facility equipment under long-term payment agreements that align with multi-year funding authorizations. The market context for Sales Financing in government contracting remains underdeveloped in public procurement data, suggesting limited formalized procurement channels. Opportunities exist for financial institutions with proven experience in federal acquisition regulations, particularly those offering compliant, transparent, and scalable financing structures that reduce fiscal burden without compromising accountability. Growth may be tied to increased adoption of asset-based budgeting and public-private partnership models.

Small Business Size Standard

The SBA threshold that decides who can bid NAICS 522220 work as a small business.

$47.0M
Applies to the whole industry code

The SBA cap for this NAICS (13 CFR 121.201). A business at or under it can self-certify as small for work in this code, which is what makes it eligible for a small-business set-aside. The cap is set per NAICS, so the same company can be small in one code and not in another.

13 CFR 121.201, effective January 1, 2026. The SBA revises the table roughly once a year.

Top Contractors

Companies with the highest total award value under NAICS 522220, ranked by dollars won.

Ranked by total awards
CompanyTotal AwardsContracts
DELL MARKETING L.P.$209K1

Top Agencies

Federal agencies directing the most contract spending toward NAICS 522220.

Competition

How many companies historically bid on federal awards in NAICS 522220, from bidder counts reported on USAspending.

Usually Single-Bid

Half or more of reported awards drew exactly one bidder, usually a sign of incumbent-held work rather than an open field. · 264 reported awards

Median Bidders

1

Per reported award, all-time

Single-Bid Awards

80%

Share of reported awards with one bidder

10+ Bidder Awards

0%

Share of reported awards with 10+ bidders

Reported Awards

264

81% of 324 total awards

Bidder Count Distribution by Fiscal Year

Share of reported awards in each bidder-count bracket per federal fiscal year.

How this code compares up the NAICS hierarchy. Parent cohorts pool every code under their prefix, so they are the steadier baseline when a 6-digit sample is thin.

Industry FamilyCompetitionMedian BiddersSingle-BidBidder MixReported Awards
522220This Code
Sales Financing
Usually Single-Bid180%
26481% of 324
52222NAICS Industry
Usually Single-Bid180%
26481% of 324
5222Industry Group
Nondepository Credit Intermediation
Usually Single-Bid175%
96788% of 1,105
522Subsector
Usually Single-Bid172%
7,95185% of 9,388
52Sector
Finance and Insurance
Usually Single-Bid171%
55,86385% of 65,585

Bidder counts reported on past federal awards in this NAICS (USAspending). An open opportunity has no bidders yet, so this is the historical norm for similar work, not a fact about this solicitation. Not all awards report bidder counts, and fewer bidders often means incumbent-held work rather than an easier win. Federal reporting of bidder counts fell from ~96% of awards (FY2016) to ~30% (FY2018 onward); the chart shows shares of reported awards, and washed-out stretches mark years with fewer than 30 of them.

Related NAICS Codes

Industries similar to Sales Financing, by shared sector, subsector, and industry group.

Explore contracts across multiple NAICS codes Browse all NAICS Codes

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NAICS 522220 FAQ

Frequently Asked Questions

NAICS code 522220 covers Sales Financing. This industry comprises establishments primarily engaged in sales financing or sales financing in combination with leasing. Sales financing establishments are primarily engaged in lending money for the purpose of providing collateralized goods through a contractual installment sales agreement, either directly from or through arrangements with dealers. Cross-References.

Recently Posted in Sales Financing

NAICS: 522220
SLED
Lease-Purchase Financing for Miami County Rural Fire Apparatus
Solicitation # 2026-09-RFB
Miami County, Kansas, is soliciting bids under solicitation number 2026-09-RFB for lease-purchase financing to acquire four fire apparatus for the Miami County Rural Fire District #1. The total principal amount to be financed is 2,812,000 dollars, covering two Spartan Type 1 Engines for the Paola and Louisburg stations, one Spartan Engine with a Freightliner Chassis for the Oswatomie station, and one Spartan Tender for the Louisburg station. These vehicles are being acquired through the Houston-Galveston Area Council agreement. Bidders must provide optional financing terms for 10, 12, and 15-year periods, including a fixed interest rate with a 60-day rate lock commitment, a proposal rate adjustment formula, and detailed amortization schedules. The contract will be awarded to the bidder offering the overall lowest borrowing cost, including all associated fees. Bids must be submitted electronically via the county's e-procurement portal by October 22, 2026, at 2:00pm. The resulting agreement will be effective for approximately twelve months and is subject to the Kansas Cash Basis Law, meaning payments are obligated only from funds budgeted and appropriated annually. Key requirements for the successful bidder include obtaining a Tax Clearance Certification from the Miami County Purchasing Department and potentially providing a performance or statutory bond equal to 100 percent of the contract value. All equipment must be delivered FOB destination, with the contractor responsible for all packing, handling, shipping, and unloading.
Fire District

POSTED

13 days ago

DEADLINE

in 8 days
View Details
NAICS: 522220
Closed
Federal
DBA Insurance Rate Agreement
Solicitation # 19AQMM26Q0155
The Department of State is establishing a no-cost, unfunded rate agreement under solicitation 19AQMM26Q0155 to secure Workers' Compensation Insurance for all Department of State managed contracts. Pursuant to the Defense Base Act and FAR 28.305, this agreement ensures that federal contractors and subcontractors working outside the continental United States provide required insurance coverage for their employees. The insurer will provide coverage for services, construction, and security categories, with maximum compensation rates for claimants limited to 200 percent of the Secretary of Labor's National Average Weekly Wage. The contract structure includes a two-year base period followed by three one-year option periods, with pricing based on rates per 100 dollars of employee salary tied to various travel advisory levels. To be eligible for award, offerors must be licensed insurance companies incorporated in the United States or the District of Columbia and appear on the Department of Labor's approved list of DBA insurance carriers. The award is based on the lowest cost among offerors who pass a technical evaluation of their corporate capabilities, specifically their ability to manage high volumes of coverage requests and their experience handling DBA claims. Administrative requirements include submitting invoices via the Office of Claims' fax server or email, with payments disbursed through electronic funds transfer. The agreement also incorporates standard FAR clauses regarding commercial services, anti-terrorism force protection for overseas contractors, and the War Hazards Compensation Act for government reimbursement of specific claims.
Acquisitions - Aqm Momentum

POSTED

about 1 month ago

CLOSED

14 days ago
View Details
NAICS: 522220
Closed
SLED
Equipment Financing
Solicitation # Solicitation196
The Metropolitan Airports Commission (MAC) is soliciting proposals for equipment financing to support the acquisition of specialized aviation maintenance equipment listed in Attachment A, with a total financed amount of $24,434,500 over a ten-year term. The procurement involves five major equipment categories including Liquid Deicers, Multi-Function Equipment, Runway Brooms, Runway Chemical Application Trucks with Plows, and Runway Snow Blowers, all of which must be delivered and accepted at MAC facilities in Minnesota within an 18-month period following the funding date of November 1, 2026. Title and risk of loss do not transfer to MAC until physical receipt at the delivery point, indicating FOB Destination terms. The solicitation, issued under number Solicitation196 and posted on August 5, 2026, requires all responses to be submitted electronically via the Bonfire platform by August 26, 2026, at 2:00 PM local time, with no acceptance of fax, email, or oral submissions. The contract includes extensive compliance and administrative requirements that go beyond standard federal procurement norms. Vendors must submit a completed Bid Form, an Affidavit of Non-Collusion under penalty of perjury, a W-9 tax form, and proof of signatory authority. Key mandates include adherence to the Minnesota Government Data Practices Act, full compliance with Title VI non-discrimination requirements, and mandatory Equal Pay Certification under the Women’s Economic Security Act for all vendors. Minnesota-based contractors with over 40 employees must maintain an approved Affirmative Action Plan with the state’s Department of Human Rights, while out-of-state contractors must certify compliance with federal equivalents. All subcontracting requires pre-approval, assignment of contract rights is prohibited without written consent, and vendors must maintain records for six years subject to audit by MAC and the Legislative Auditor. MAC retains broad rights to issue change orders, cancel the contract with 30 days’ notice, and make emergency purchases without competition. Although the solicitation does not follow FAR clause numbering or include formal CLIN structures, it enforces binding terms through its own sequential provisions, emphasizing transparency, accountability, and promotion of small and disadvantaged business participation.
Metropolitan Airports Commission

POSTED

2 months ago

CLOSED

about 2 months ago
View Details
NAICS: 522220
Closed
SLED
The City of Jackson, Mississippi is requesting Lease Purchase Interest Rate Proposals to purchase $1,013,256.10 in vehicles and equipment. The Lease Purchase Agreement will be for a three (3) year period. Lease payments will be made semi-annually in a
Solicitation # 94654-081826
The City of Jackson, Mississippi is soliciting lease purchase interest rate proposals to finance the acquisition of vehicles and equipment totaling $1,013,256.10 under a three-year agreement with semi-annual payments made in arrears, beginning six months after the projected funding date of September 25, 2026. The procurement is structured as a financing arrangement rather than a direct purchase, requiring vendors to submit a competitive fixed interest rate and a fully amortizing payment schedule for the full amount over the term. Proposals must be submitted as two sealed hard copies to the Municipal Clerk Department at 219 South President Street, Jackson, MS 39201, with envelopes clearly labeled with RFP#94654-081826 Lease Purchase Financing Interest Rate Proposal. The submission deadline is August 18, 2026, at 3:30 p.m. Central Time, and electronic submissions are not accepted. There are no technical specifications, inspection criteria, packaging requirements, or performance metrics outlined beyond the financial terms. The award is inferred to be based on the Lowest Price Technically Acceptable standard, with the interest rate and compliance of the amortization schedule serving as the sole evaluation criteria. No formal contract clauses, special requirements, representations, certifications, or accounting data are provided in the solicitation materials. Point of contact for inquiries includes Courtney Bell, Finance Manager, and Monica Oliver, with no designated COR, COTR, or PCO assigned. The NAICS code for the solicitation is 522220, and the procuring entity is the City of Jackson under the MPTAP agency, with performance limited to the state of Mississippi.
MPTAP

POSTED

3 months ago

CLOSED

about 2 months ago
View Details
NAICS: 522220
Closed
SLED
Fire Bureau Equipment Financing Services
Solicitation # 2026-RFP ELA-114
The Equipment Leasing Authority of the City of Pittsburgh is seeking qualified financial institutions to provide tax-exempt municipal financing services for the acquisition of fire apparatus, emergency response vehicles, specialty equipment, and related capital assets through a flexible financing program. Proposals must be submitted electronically via the City’s e-Procurement Portal by July 27, 2026, at 5:00 PM, with no late submissions accepted. The solicitation, identified as 2026-RFP ELA-114, is assigned NAICS code 522220 and is open to all eligible vendors without set-aside restrictions. The total allowable lease principal across all transactions is capped at $18,000,000, with individual lease terms limited to five years, and financing structures may include master agreements, lease-purchase arrangements, draw-down funding, manufacturer pre-payments, or rate lock options. The Authority has defined specific financing scenarios ranging from $5 million to $30 million over terms of five, seven, or ten years, with bidders required to propose fixed interest rates for each tier, though no taxes, discounts, or additional charges may be included in pricing. All transportation and transit insurance costs must be fully included in the proposed price, and deliveries are to be F.O.B. destination within Pittsburgh, Pennsylvania. Successful respondents must demonstrate a comprehensive project approach and plan, relevant firm qualifications and experience, qualified team members, and a detailed cost proposal, with awards determined on a best-value basis rather than solely on lowest price. Proposals must be responsive and include mandatory attachments such as the MWDBEVOSB Commitment Form, W-9, Ethics Handbook, Debarment Affidavit certifying compliance with Pittsburgh Code Section 161.22, and a Statement of Affiliations. Bidders must certify compliance with the City’s Code of Ethics, fair trade practices, and ADA requirements, and affirm they have not engaged in collusion or attempts to influence the evaluation process. Insurance requirements include a minimum of $500,000 per occurrence and $1,000,000 aggregate for general liability and automotive liability, with workers’ compensation meeting statutory limits, professional liability coverage if applicable, and excess liability of at least $1,000,000 each occurrence and aggregate—all on occurrence-based policies with the Authority named as additional insured. Contractors must pay prevailing wages, use only U.S.-produced steel products,
Equipment Leasing Authority

POSTED

3 months ago

CLOSED

3 months ago
View Details

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