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 28 at 2:00 PM ET

Register Free →
CLEATUS
Get CLEATUS
← Back to NAICS Codes
NAICS Code· 522291

NAICS 522291: Consumer Lending

This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to consumers. Illustrative Examples: Finance companies (i.e., unsecured cash loans) Personal credit institutions (i.e., unsecured cash loans) Loan companies (i.e., consumer, personal, student, small) Student loan companies Cross-References. Establishments primarily engaged in--Show more

NAICS 522291 – Consumer Lending encompasses financial services that provide credit directly to individuals for personal, family, or household purposes, including installment loans, payday loans, auto title loans, and other non-mortgage consumer credit products. While primarily a private-sector activity, this NAICS code may intersect with government contracting when federal agencies contract with third-party financial services providers to administer benefit disbursements, emergency financial assistance programs, or financial counseling services for veterans, active-duty personnel, or federal employees.

3
Active Contracts
1
Median Bidders per Award
+0.0%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 522291.

AI Industry Description

NAICS 522291 – Consumer Lending encompasses financial services that provide credit directly to individuals for personal, family, or household purposes, including installment loans, payday loans, auto title loans, and other non-mortgage consumer credit products. While primarily a private-sector activ...

NAICS 522291 – Consumer Lending encompasses financial services that provide credit directly to individuals for personal, family, or household purposes, including installment loans, payday loans, auto title loans, and other non-mortgage consumer credit products. While primarily a private-sector activity, this NAICS code may intersect with government contracting when federal agencies contract with third-party financial services providers to administer benefit disbursements, emergency financial assistance programs, or financial counseling services for veterans, active-duty personnel, or federal employees. These engagements often involve compliance with federal lending regulations, data privacy standards, and consumer protection frameworks, requiring contractors to demonstrate robust underwriting systems, secure payment infrastructure, and transparent reporting capabilities. No contractor data is available for this NAICS code based on current government contracting records, indicating limited or no direct procurement activity under this classification. This suggests that consumer lending services are not typically procured through traditional federal contracting channels, and any related work is likely embedded within broader social services or financial assistance contracts under different NAICS codes. No agency data is available for this NAICS code, reflecting the absence of documented federal award activity directly tied to consumer lending services. Any government-related financial support functions are generally managed under broader human services or benefits administration codes rather than this specific lending classification. The market context for this NAICS code in government contracting is sparse, with low opportunity density for traditional contractors. While no direct procurement trends are evident, opportunities may emerge indirectly through partnerships with agencies administering economic relief, financial literacy initiatives, or veteran support programs that require third-party credit infrastructure. Contractors should monitor adjacent NAICS codes related to financial services and social assistance for potential entry points.

Small Business Size Standard

The SBA threshold that decides who can bid NAICS 522291 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.

Competition

How many companies historically bid on federal awards in NAICS 522291, 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. · 31 reported awards

Median Bidders

1

Per reported award, all-time

Single-Bid Awards

74%

Share of reported awards with one bidder

10+ Bidder Awards

0%

Share of reported awards with 10+ bidders

Reported Awards

31

94% of 33 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
522291This Code
Consumer Lending
Usually Single-Bid174%
3194% of 33
52229NAICS Industry
Usually Single-Bid173%
56292% of 608
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 Consumer Lending, by shared sector, subsector, and industry group.

Credit Card Issuing

This industry comprises establishments primarily engaged in providing credit by issuing credit cards...
522210Same Industry GroupHigh Similarity

Sales Financing

This industry comprises establishments primarily engaged in sales financing or sales financing in co...
522220Same Industry GroupHigh Similarity

Real Estate Credit

This U.S. industry comprises establishments primarily engaged in lending funds with real estate as c...
522292Same Industry GroupHigh Similarity

International, Secondary Market, and All Other Nondepository Credit Intermediation

This U.S. industry comprises (1) establishments primarily engaged in providing working capital funds...
522299Same Industry GroupHigh Similarity

Commercial Banking

This industry comprises establishments primarily engaged in accepting demand and other deposits and ...
522110Same SubsectorMedium Similarity

Credit Unions

This industry comprises establishments primarily engaged in accepting members' share deposits in coo...
522130Same SubsectorMedium Similarity

Savings Institutions and Other Depository Credit Intermediation

This industry comprises establishments primarily engaged in accepting deposits, making mortgage, rea...
522180Same SubsectorMedium Similarity

Mortgage and Nonmortgage Loan Brokers

This industry comprises establishments primarily engaged in arranging loans by bringing borrowers an...
522310Same SubsectorMedium Similarity

Explore contracts across multiple NAICS codes Browse all NAICS Codes

Dotted
NAICS 522291 FAQ

Frequently Asked Questions

NAICS code 522291 covers Consumer Lending. This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to consumers. Illustrative Examples: Finance companies (i.e., unsecured cash loans) Personal credit institutions (i.e., unsecured cash loans) Loan companies (i.e., consumer, personal, student, small) Student loan companies Cross-References. Establishments primarily engaged in--

Recently Posted in Consumer Lending

NAICS: 522291
Closed
International
Creative Sector Services CIC (t/a Creative United) Take it away Scheme Credit Provider Contract
Solicitation # CUTIA/2026
Creative Sector Services CIC, trading as Creative United, is seeking a provider for consumer credit services to support the Take it away Scheme starting November 1, 2026. The contract is initially for 18 months, with the possibility of two 12-month extensions, totaling up to 42 months. The scheme provides interest-free loans between 100 and 25,000 pounds to UK residents over 18 for the purchase of musical instruments, equipment, software, and related services. While primarily serving England and Northern Ireland through approved retailers, there is potential for the scheme to expand into Wales and Scotland pending further funding and agreements. The primary objective is to increase the affordability of music education and practice, specifically targeting individuals earning below the median UK wage of 34,000 pounds, those in areas with low arts participation, first-time instrument buyers, and disabled persons. Interested parties must submit a Procurement Specific Questionnaire by July 17, 2026. The contract aims to support creative livelihoods across the UK by partnering with musical instrument retailers and sector organizations to ensure accessible equipment for people of all ages and abilities.
CREATIVE SECTOR SERVICES C.I.C.

POSTED

29 days ago

CLOSED

2 months ago
View Details
NAICS: 522291
Closed
SLED
Connecticut Career Accelerator Program: Fund Manager
Solicitation # 27ECD2530
The Office of Workforce Strategy is soliciting a Fund Manager to implement the Connecticut Career Accelerator Program, an initiative designed to support learners pursuing credentials in priority career pathways, including commercial truck driving, licensed practical nursing, and paramedic training. The selected manager will be responsible for establishing and administering a standalone fund, managing outcomes-based loans, overseeing training providers, and supporting employer partnerships to establish job placement pathways. The program emphasizes learner-friendly loan specifications, such as low or no interest and no minimum credit score requirements. The total available funding for a single successful proposer is 4,840,000 dollars, with administrative fund management costs expected not to exceed 750,000 dollars over the base term. The contract is intended for a five-year base term starting January 1, 2027, consisting of a three-year loan deployment period followed by a two-year servicing and repayment management period. Proposers must provide a detailed work plan, a five-year budget using the provided template, and evidence of financial stability, including three years of audits. Key requirements include maintaining industry-standard insurance, implementing robust data security for personally identifiable information, and adhering to state nondiscrimination and ethics certifications. Proposals are evaluated by a Review Committee and the Chief Workforce Officer, with a final submission deadline of September 14, 2026, at 5:00 PM EDT.
DAS Procurement

POSTED

about 2 months ago

CLOSED

about 1 month ago
View Details
NAICS: 522291
Closed
SLED
Home Energy Loan 2027-2029
Solicitation # 75041
Efficiency Vermont, operated by the Vermont Energy Investment Corporation (VEIC), is soliciting proposals from lending institutions to support the Home Energy Loan program for the 2027-2029 performance period. The selected lender will provide income-sensitive, low-interest loans to Vermont homeowners for energy efficiency improvements, with services including loan application processing, underwriting, project verification, and program support. Proposals must be submitted electronically to astrom@veic.org by 5 p.m. EDT on September 28, 2026. Evaluation is based on responsiveness to RFP requirements, cost of services, ability to meet program requirements, commitment to underserved communities and consumer protection, and the capacity to serve borrowers both online and in-person. The contract is structured as a firm fixed fee agreement governed by the laws of the State of Vermont. Key requirements include maintaining a valid Lender License from the Vermont Department of Financial Regulation and adhering to strict information security standards, which prohibit the use of company data for AI or machine learning training without authorization. Comprehensive insurance coverage is required, including commercial general liability, cyber liability of 2 million dollars, and professional liability. The contractor must also comply with fair employment practices and the Americans with Disabilities Act. Invoicing occurs monthly, and the agreement includes detailed provisions for termination, dispute resolution, and confidentiality through a protective agreement and the Confidential Information Management System.
Department of Economic Development

POSTED

2 months ago

CLOSED

16 days ago
View Details
NAICS: 522291
Closed
Grant
Capital Financing Transaction FacilitationThe contract seeks a subcontractor to facilitate 80 financing transactions including loans, credit lines, and bonding programs aimed at small businesses that are either entering or expanding operations within the transportation sector. These financial instruments are intended to support capital needs critical to growth, infrastructure development, or operational enhancements in transportation-related activities. The effort is aligned with the Department of Transportation’s mission to promote economic opportunity and market access for small businesses through targeted financial support mechanisms. The solicitation is classified as a subcontract under NAICS code 522291, which pertains to other financial investment activities, and is open for responses until August 30, 2026. The contracting entity is listed as 69A350 Osdbu, indicating a focus on small business development initiatives within the federal transportation framework. While no specific location is designated for performance, the scope implies nationwide reach, with the goal of enabling small businesses across regions to secure the necessary capital to participate meaningfully in the transportation industry. The opportunity is not subject to a formal set-aside designation, but the emphasis on small business facilitation remains central to its purpose.
69A350 Osdbu

POSTED

3 months ago

CLOSED

about 2 months ago
View Details
NAICS: 522291
Closed
SLED
Low-Interest Solar and Energy Storage Loan Program
Solicitation # 2026-RFP-0399
The City of Pasadena, through Pasadena Water and Power, is soliciting proposals to establish a Low-Interest Solar and Energy Storage Loan Program targeted at low-income residential electric customers enrolled in utility assistance programs such as EUAP, CARES, and CARES Plus. The program will leverage a $3 million Public Benefit Fund allocation over three years to subsidize loans, enabling participating financial institutions to offer interest rates between 0% and 3% APR, with a goal of funding loans for 175 customers during the initial term. Proposals may also include optional components for extending similar financing to non-low-income customers. The solicitation, numbered 2026-RFP-0399, was posted on July 23, 2026, with proposals due by August 21, 2026. Respondents must hold a Valid Unique Entity Identifier and submit required certifications, including conflict of interest and federal lobbying disclosures, with affirmative responses triggering additional reporting obligations such as SF-LLL forms. Contractors must also demonstrate compliance with California prevailing wage laws, the Pasadena Living Wage Ordinance, and environmental statutes like the Clean Air Act and Federal Water Pollution Control Act. Performance is limited to Pasadena, California, with the contractor responsible for all labor, materials, and logistical costs without explicit FOB terms. All deliverables, including reports and digital files, become the exclusive property of the City upon creation. The City requires prior written consent for subcontracting and prohibits contract assignment without approval. Contractors must obtain a Pasadena business license, prioritize hiring Pasadena residents, and maintain detailed payroll and compliance records for three years subject to audit. Disputes under $25,000 must be resolved through binding arbitration under AAA rules in Los Angeles. Payment terms allow for monthly invoicing within 30 days, with invoices requiring hours worked, basis of charges, and supporting documentation. While the contract includes placeholder provisions for compensation, payment schedules, and change orders, no definitive CLIN structure, contract type, or award evaluation criteria are specified. The program is managed by the Water & Power Department, with Gordon Algermissen as the primary point of contact.
Water & Power Department

POSTED

3 months ago

CLOSED

about 2 months ago
View Details
NAICS: 522291
Closed
SLED
Treasury Management and Electronic Banking Systems SupportEast Baton Rouge Schools in Louisiana is seeking a subcontractor for Treasury Management and Electronic Banking Systems Support. The selected provider will be responsible for delivering technical support and integration for critical treasury services, including wire transfers, ACH processing, positive pay, and automated reconciliation. A primary focus of the engagement is ensuring all operations maintain strict compliance with NACHA rules and utilize secure data transmission protocols. This opportunity was posted on July 22, 2026, and requires responses to be submitted by August 19, 2026. The project falls under NAICS code 522291, focusing on specialized banking and financial support services to optimize the organization's electronic banking infrastructure.
East Baton Rouge Schools

POSTED

3 months ago

CLOSED

about 2 months ago
View Details
NAICS: 522291
Closed
SLED
Equipment Financing Provision (Optional Bid Component)The contract invites bidders to optionally include equipment financing arrangements as part of their proposal, either by offering financing to the prime bidder or directly to Seminole County, though this provision is informational and not a funded line item. It is structured as a subcontract under NAICS code 522291, with the Seminole County Board of Commissioners as the contracting agency, and is open for submission until July 14, 2026. Participation in the financing component is entirely voluntary and does not obligate the county to approve or fund any financing terms, serving instead as a means to enhance bid competitiveness through financial flexibility. The solicitation does not specify a place of performance or point of contact, and all details are accessible via the provided online link.
Seminole County Board of Commissioners

POSTED

4 months ago

CLOSED

3 months ago
View Details
NAICS: 522291
Closed
Grant
Fiscal Year 2026 Small Dollar Loan Program
Solicitation # CDFI-2026-SDL
The U.S. Department of the Treasury’s Community Development Financial Institutions Fund is soliciting applications for the Fiscal Year 2026 Small Dollar Loan Program to support Certified Community Development Financial Institutions in creating and expanding affordable small dollar loan offerings. The goal is to provide unbanked and underbanked individuals with viable alternatives to predatory lending by enabling access to responsible credit, promoting credit building, and fostering greater integration into the mainstream financial system. Award funds will be granted to qualified CDFIs to implement or enhance their small dollar loan programs, ensuring financial inclusion and economic resilience for underserved communities. Applications must be submitted through the designated portal by the deadline of July 23, 2026, with the solicitation posted on June 30, 2026 under the identifier CDFI-2026-SDL. The program is administered by the CDFI Fund, part of the Department of the Treasury, with Henny Winarsoo listed as the primary point of contact for inquiries via email at sdlp@cdfi.treas.gov or phone at 202-653-0333. No set-aside type is specified, and performance is not restricted to a specific geographic location, allowing nationwide participation by eligible Certified CDFIs to serve local communities in need of affordable financial services.
Community Development Financial Institutions

POSTED

4 months ago

CLOSED

3 months ago
View Details
NAICS: 522291
Closed
Federal
Monetary Award Distribution and ReportingA total of $100,000 in monetary awards will be distributed evenly among ten selected organizations, with each recipient receiving $10,000, and all disbursements must be completed by June 1, 2027. The award distribution is governed by the Department of Veterans Affairs through Sac Frederick, and the contract falls under the NAICS code 522291, indicating a financial activity related to investment and financial services. Recipients are required to adhere to strict VA financial reporting standards and must be prepared to meet all audit requirements, ensuring full transparency and accountability in the use of funds. The solicitation closed on June 25, 2026, and the contract is structured as a subcontract, with performance tied to compliance rather than service delivery. All organizations receiving funds must maintain detailed financial records and be ready for federal audit scrutiny.
Sac Frederick (36C10X)

POSTED

4 months ago

CLOSED

4 months ago
View Details
NAICS: 522291
Closed
Grant
Assistive Technology Financing Program Design & ImplementationThe Contract for Assistive Technology Financing Program Design & Implementation seeks to develop and launch a consumer-centered financing initiative aimed at enabling individuals with disabilities to access essential assistive technology through low-interest loans or revolving loan funds. The program is designed with a focus on affordability, accessibility, and user empowerment, ensuring that financial barriers do not prevent people from obtaining tools that enhance independence, mobility, communication, and daily living. The initiative will require comprehensive planning, stakeholder engagement, and the establishment of sustainable funding mechanisms that can be scaled and replicated across communities. This subcontract, issued by the Administration for Community Living under the Department of Health and Human Services, falls under the NAICS code 522291, indicating a focus on financial services related to consumer lending. Proposals must be submitted by July 22, 2026, and the program is intended to serve individuals nationwide, though no specific place of performance is designated. The effort aligns with broader federal goals to promote inclusion, equity, and independent living for people with disabilities, requiring the contractor to demonstrate proven expertise in financial product design, disability community engagement, and implementation of accessible lending systems. Success will be measured by the program’s reach, uptake by target populations, and long-term financial sustainability.
Administration For Community Living

POSTED

4 months ago

CLOSED

3 months ago
View Details
NAICS: 522291
Closed
Grant
Assistive Technology Alternative Financing Program
Solicitation # HHS-2026-ACL-CIP-ATTF-0067
The Assistive Technology Alternative Financing Program is a federal grant initiative administered by the Administration for Community Living under the Department of Health and Human Services to support programs that enable individuals with disabilities and older adults with functional needs to acquire assistive technology devices and services through alternative financing mechanisms. Applicants must propose one or more models such as a low-interest loan fund, interest buy-down program, revolving loan fund, loan guarantee, or insurance program that facilitates access without imposing financial or bureaucratic barriers. The program requires a strong emphasis on consumer choice and control, ensuring that all individuals regardless of disability type, age, income level, or geographic location can participate. Recipients must integrate credit-building activities including financial education and information about alternative funding sources into their programming and establish clear procedures for timely processing of applications, with policies that guarantee non-discrimination in access. The program aligns with the ACL’s economic security strategic priority to enhance independence and community inclusion through technology access. Eligible applicants include state and local governments, nonprofits, tribal governments, and institutions of higher education, and all must maintain active registrations on SAM.gov and Grants.gov, possessing a Unique Entity Identifier, throughout the award period. Proposals are evaluated based on expertise and budget sufficiency, with an initial review and risk assessment required prior to award consideration; applications exceeding $250,000 will undergo SAM.gov responsibility and exclusions screening. The project period is anticipated to be one year, from September 1, 2026, to August 31, 2027, with an expected start date of September 30, 2026. Funding beyond the first year is not guaranteed and depends on congressional appropriations, satisfactory progress, and agency discretion. All federal funds must be held in a restricted account and used exclusively for program implementation, with strict compliance required under 2 CFR 200 and 2 CFR 300, the HHS Grants Policy Statement, and federal antidiscrimination laws. Applicants must submit a 30-page project narrative and a budget narrative using SF-424A, with all documents in English, formatted in 11-point Times New Roman or Arial, double-spaced except for tables and footnotes, and submitted as PDFs via Grants.gov by the July 22, 2026 deadline. Sustainability plans detailing long-term funding strategies are mandatory, and FFATA reporting is required for all subawards over $30,000. There is no set-aside, and the agency
Administration For Community Living

POSTED

4 months ago

CLOSED

3 months ago
View Details
NAICS: 522291
Awarded
SLED
DFS OFR - Consumer Finance - Frames - FY25/26
Solicitation # C75A70
The Department of Financial Services for the state of Florida has issued an award notice under solicitation number C75A70 for Consumer Finance Frames for the FY25/26 period. This state-level contract is managed by the Florida Department of Financial Services and was officially posted on June 15, 2026. The agreement focuses on the procurement of frames related to consumer finance operations. Further details regarding the specific terms, conditions, and performance locations are available through the official Florida Department of Financial Services procurement portal.
Department Of Financial Services

POSTED

4 months ago

DEADLINE

N/A
View Details

Win Contracts in Consumer Lending

Get AI-powered intelligence on NAICS 522291 procurement

Real-time contract opportunities for NAICS 522291 (Consumer Lending)

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