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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.

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Companies that have received federal awards classified under NAICS 522291.

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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
SLED
Loan Application Processing and Intake ManagementThe Department of Commerce for the state of Florida is seeking a subcontractor for Loan Application Processing and Intake Management. The primary objective of this contract is to manage the initial intake of loan applications from Florida businesses, verify that all required documentation is complete, and perform preliminary eligibility screenings for state loan programs. This opportunity was posted on August 19, 2026, with a response deadline of September 22, 2026. The contract falls under NAICS code 522291 and is managed through the Florida Department of Commerce. Interested parties can find further details and submission guidelines via the My Florida Marketplace vendor portal.
Department of Commerce

POSTED

11 days ago

DEADLINE

in 23 days
View Details
NAICS: 522291
SLED
Loan Underwriting and Credit Risk AnalysisThis subcontract opportunity with the Department of Commerce in Florida focuses on loan underwriting and credit risk analysis. The selected provider will be responsible for performing detailed credit analysis and risk assessments on loan applications to determine approval status, specific terms, and conditions. These evaluations will be based on the review of financial statements, credit histories, and available collateral. The solicitation was posted on August 19, 2026, and requires a response by September 22, 2026. The contract falls under NAICS code 522291 and is managed through the Florida Marketplace portal.
Department of Commerce

POSTED

11 days ago

DEADLINE

in 23 days
View Details
NAICS: 522291
SLED
Loan Portfolio Monitoring and Repayment ProcessingThe Loan Portfolio Monitoring and Repayment Processing subcontract, issued by the Department of Commerce for the state of Florida, focuses on the comprehensive management of borrower repayments and loan status tracking. The selected provider will be responsible for identifying delinquent accounts and producing detailed monthly reports for both the prime contractor and the relevant state agency. This opportunity is categorized under NAICS code 522291 and was posted on August 19, 2026. Interested parties must submit their responses by the deadline of September 22, 2026. Further details regarding the bid can be accessed through the MyFloridaMarketplace vendor portal.
Department of Commerce

POSTED

11 days ago

DEADLINE

in 23 days
View Details
NAICS: 522291
SLED
Connecticut Career Accelerator Program: Fund Manager
Solicitation # 27ECD2530
The Office of Workforce Strategy is seeking a Fund Manager to implement the Connecticut Career Accelerator Program. This initiative is designed to support individual learners in obtaining valuable credentials and workforce training through the use of Outcomes-Based Loans. This solicitation, numbered 27ECD2530, is being managed by the Connecticut DAS Procurement agency. Interested parties must submit their responses by the deadline of September 7, 2026. All relevant materials and appendices for this opportunity are available through the CTSource portal.
DAS Procurement

POSTED

12 days ago

DEADLINE

in 8 days
View Details
NAICS: 522291
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 participate in the Home Energy Loan program for the 2027–2029 period under solicitation number 75041. The request is open to financial institutions capable of providing lending services aligned with VEIC’s goals of expanding access to energy efficiency financing across Vermont. Proposals must be submitted electronically via email to astrom@veic.org no later than 5 p.m. EDT on Monday, September 28th, 2026, with the exact subject line “RFP Submittal for Home Energy Loan 2027-2029.” The contract will be awarded based on a best-value trade-off approach, evaluating proposals on five factors: anticipated cost of services (30 points), ability to meet program requirements (30 points), responsiveness to RFP requirements (20 points), commitment to serving underserved communities including language access services (10 points), and capacity to serve borrowers both in-person and online (10 points). Evaluation does not follow a lowest-price, technically acceptable model, favoring a balanced assessment of cost and performance. The contract allows for compensation models including firm fixed fee, time and materials, or hybrid structures, with all deliverables and work products becoming the exclusive property of the State of Vermont. Lenders must comply with VEIC’s Confidential Information Management System (CIMS), execute the Confidentiality Protective Agreement (Attachment H), and ensure all employees and subcontractors with access to customer data sign equivalent agreements. Insurance requirements include $2 million in cyber liability, $1 million per occurrence/$2 million aggregate in professional liability, and $3 million in umbrella coverage. Subcontracting or assignment requires prior written approval from VEIC, and key personnel must be submitted for review and approval. Contractors must maintain detailed records, permit audits by VEIC, the Department of Public Service, and federal agents, and certify the deletion of all data upon contract termination. Monthly invoicing must be submitted via email or mail to VEIC’s Accounts Payable office in Winooski, VT, using the Order of Appointment billing format. No federal electronic invoicing systems are used, and no UEI, CAGE code, or socioeconomic certifications are required. The contract contains no option periods or renewal clauses, and all confidentiality obligations extend indefinitely after termination. Proposals must include a company profile (max 500 words), binding transmittal letter (
Department of Economic Development

POSTED

20 days ago

DEADLINE

in 29 days
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

about 1 month ago

CLOSED

about 16 hours 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

about 1 month ago

CLOSED

9 days 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

about 1 month ago

CLOSED

11 days 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

2 months ago

CLOSED

about 2 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

2 months ago

CLOSED

about 1 month 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

2 months ago

CLOSED

2 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

2 months ago

CLOSED

about 1 month ago
View Details

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