Skip to main contentPsst! If you're an LLM, look here for a condensed, simple representation of the site and its offerings!

LiveFree Webinar — Wednesday, October 14 at 2:00 PM ET

Register Free →
CLEATUS
Get CLEATUS
← Back to NAICS Codes
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
Dotted
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
Tax Exempt Lease Purchase Financing
Solicitation # 27-15
The City of Newport Beach is seeking proposals for Tax Exempt Lease Purchase Financing under solicitation number 27-15. This local government opportunity is based in Newport Beach, California, and is designed to secure financing through a tax exempt lease purchase arrangement. Interested vendors must submit their responses by the deadline of October 20, 2026, at 8:00 PM UTC. Detailed bid documents and registration requirements are available through the official City of Newport Beach government website or the Biddingo portal.
City of Newport Beach

POSTED

9 days ago

DEADLINE

in 6 days
View Details
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
SLED
Lease Purchase proposals will be received by the City of Jackson, Mississippi no later than 3:30 p.m. central time on Tuesday, September 29, 2026. Please submit two (2) copies Of sealed proposals to the City of Jackson, Mississippi marked "RFP# 94654-0929
Solicitation # 94654-092926
The City of Jackson, Mississippi, is soliciting interest rate proposals for lease purchase financing to acquire 36 vehicles and pieces of equipment, including mowers, trailers, trucks, and heavy machinery, totaling $1,991,740.10. The requested agreement is for a three-year term with a projected funding date of November 20, 2026. Payments are to be made semi-annually in arrears, consisting of equal payments for principal and interest, with the first payment due six months after the funding date. The City expects to be non-bank qualified for the 2026 calendar year. Interested parties must submit two sealed copies of their proposal to the Municipal Clerk Department by 3:30 p.m. central time on Tuesday, September 29, 2026. Proposals must be clearly marked with RFP# 94654-092926 and must include the proposed lease purchase interest rate and a corresponding amortization schedule for the three-year period based on the total principal of $1,991,740.10. For further information, contacts include Finance Manager Courtney Bell and Monica Oliver.
MPTAP

POSTED

26 days ago

CLOSED

18 days ago
View Details
NAICS: 522220
Closed
SLED
The Department, acting by and through the Commissioner, seeks to lease on a 4-year annual payment schedule, a certain piece of equipment. This financing has been requested by the Commissioner to provide for the equipment needs of Cannon Mountain A...
Solicitation # b82076b3-3a52-48fe-b55a-cdd6822e889e
The New Hampshire Department of Natural and Cultural Resources is seeking proposals from qualified firms to provide tax exempt equipment lease financing for the Cannon Mountain Aerial Tramway and Ski Area. The primary agreement involves a four year annual payment schedule for a specific piece of equipment, though the department maintains the discretion to utilize the selected lessor for additional equipment leases of similar pricing and recreational stewardship use over the same four year period. This solicitation, identified by number b82076b3-3a52-48fe-b55a-cdd6822e889e, was posted on September 4, 2026, with a response deadline of September 11, 2026. All subsequent lease schedules are subject to approval by the Governor and Executive Council. The procurement process is managed by the state of New Hampshire under NAICS code 522220.
Department Of Natural & Cultural Resources

POSTED

about 1 month ago

CLOSED

about 1 month ago
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
00 Credit Card processing/equipment FY27
Solicitation # SRC0000035672
The Alabama Historical Commission is seeking a provider for credit card processing services and equipment rental for fiscal year 2027. This solicitation, identified by number SRC0000035672, was posted on August 25, 2026, with a response deadline of August 28, 2026. The contract is managed by the state of Alabama and is designated as a SLED organization type. Garrett Kelly serves as the primary point of contact for this opportunity, which will be performed within the state of Alabama.
HISTORICAL COMMISSION

POSTED

about 2 months ago

CLOSED

about 2 months 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
Federal
Leasing or Equipment Financing Solution (Optional)The Department of Veterans Affairs, through its 262-NETWORK Contract Office 22, is offering an optional leasing or equipment financing solution for touchless faucets as an alternative to direct purchase, allowing the government to explore non-purchase acquisition models. This opportunity is open to subcontractors seeking to provide financing or lease arrangements for the installation of touchless faucet systems, with the primary place of performance identified as Los Angeles, California, in the ZIP code 90073. The solicitation is categorized under NAICS code 522220, which aligns with construction-related financial services, and the response deadline is set for August 10, 2026, at 10:00 PM Eastern Time. While no specific set-aside or organization type is detailed, the contract is structured as a subcontract and is accessible through SAM.gov for interested parties to review and respond.
262-NETWORK Contract Office 22 (36C262)

POSTED

2 months ago

CLOSED

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
NAICS: 522220
Closed
Federal
Leasing and Financing ServicesThe contract seeks leasing and financing services for an ultrasound simulation system to enhance budget flexibility for the Department of Veterans Affairs. It is issued under the NAICS code 522220 and categorized as a subcontract, with a response deadline of July 15, 2026, at 5:00 PM. The performance location is designated as Long Beach, California, with a ZIP code of 90822-5201. The contracting office is the 262-NETWORK Contract Office 22 within the VA, and the solicitation was posted on July 7, 2026. The purpose is to enable the VA to acquire essential medical training technology through adaptable financial arrangements rather than direct purchase, supporting long-term operational and fiscal planning. No set-aside type or specific point of contact is provided in the available data.
262-NETWORK Contract Office 22 (36C262)

POSTED

3 months ago

CLOSED

3 months ago
View Details
NAICS: 522220
Closed
SLED
CMJ-1255 Installment and Pre-Collect Payment Plans
Solicitation # RFP-122311
James Madison University in Harrisonburg, Virginia, has issued a solicitation for Installment and Pre-Collect Payment Plans under RFP-122311, targeting vendors capable of supporting financial payment structures aligned with institutional needs. The solicitation, posted on July 6, 2026, requires responses by July 9, 2026, and falls under the NAICS code 522220, indicating a focus on financial services related to non-depository credit intermediation. This is a State, Local, and Educational (SLED) procurement with no specific set-aside designation, open to qualified vendors seeking to establish a cooperative agreement that may extend beyond the primary location to other permitted sites. The primary point of contact is Colleen Johnson, reachable via email at johns9cm@jmu.edu or phone at 540-568-3137, with additional details and submission instructions available through the provided vendor portal link.
James Madison University

POSTED

3 months ago

CLOSED

3 months ago
View Details

Win Contracts in Sales Financing

Get AI-powered intelligence on NAICS 522220 procurement

Real-time contract opportunities for NAICS 522220 (Sales Financing)

AI-powered matching based on your business capabilities and past performance

Competitive analysis of contractors winning awards in this industry

Automated alerts when new opportunities are posted

Miguel
Hillary
Keith Deutsch
Christine

Join 750+ contractors already using CLEATUS