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NAICS Code· 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
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

16 days ago

CLOSED

2 days ago
View Details
NAICS: 522291
Grant
Fiscal Year 2026 Small Dollar Loan ProgramThe 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

16 days ago

DEADLINE

in 7 days
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

24 days ago

CLOSED

21 days ago
View Details
NAICS: 522291
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

24 days ago

DEADLINE

in 6 days
View Details
NAICS: 522291
Grant
Assistive Technology Alternative Financing ProgramThe 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

24 days ago

DEADLINE

in 7 days
View Details
NAICS: 522291
Closed
Accelerated Payments to Small Business SubcontractorsThis contract, titled "Accelerated Payments to Small Business Subcontractors," focuses on financial oversight and ensuring rapid payment processing in compliance with FAR 52.232-40. The primary objective is to guarantee that small business subcontractors receive payment within seven days of submitting an invoice, enhancing cash flow and supporting small business participation. The contract is managed by the Department of Energy's Acquisition Services Division and pertains to activities conducted in Washington, D.C., under NAICS code 522291. The solicitation was posted on June 15, 2026, with responses due by June 26, 2026. It is a subcontract opportunity, though details about set-aside status or specific organization types are not provided. The contract supports streamlining payment processes to promote timely financial transactions with small business subcontractors, thereby fostering a more efficient and responsive procurement environment within the Department of Energy.
Department of Energy

POSTED

about 1 month ago

CLOSED

20 days ago
View Details
NAICS: 522291
Closed
Grant
Capital Access Support ServicesThe contract titled Capital Access Support Services is designed to assist entrepreneurs in gaining access to financial resources by providing comprehensive support across multiple funding pathways including investor matchmaking, loan applications, grant writing, and financial pitch coaching. It is structured as a subcontract under the Department of Commerce NOAA and falls under the NAICS code 522291, which relates to other financial investment activities. The opportunity was posted on May 29, 2026, with a response deadline of June 29, 2026, indicating a one-month window for interested parties to submit proposals. The scope emphasizes practical, hands-on assistance to help small businesses and startup founders overcome barriers to capital, with a focus on tailored guidance that aligns with the needs of underserved or emerging entrepreneurial communities. While specific performance locations and point of contact details are not provided, the service delivery is expected to be executed in alignment with the objectives of the Department of Commerce to foster economic growth through improved financial accessibility.
Department Of Commerce Noaa

POSTED

about 2 months ago

CLOSED

17 days ago
View Details
NAICS: 522291
Closed
SLED
Loan Program Design & Financial StructuringThe contract pertains to the comprehensive design and financial structuring of a municipal residential utility undergrounding loan program, requiring the development of structured loan terms, customized repayment schedules, credit underwriting criteria, and robust risk models tailored to the unique financial and operational context of the City of Newport Beach. The work involves creating financially viable and sustainable frameworks that enable homeowners to access funding for burying utility lines while ensuring minimal default risk and long-term fiscal responsibility for the city’s program. This includes analyzing local housing economics, identifying eligible participants, defining eligibility thresholds, and modeling potential outcomes under various economic scenarios to support informed decision-making and program scalability. The subcontract involves delivering detailed financial products and analytical tools that will underpin the implementation of the loan program, ensuring alignment with state and municipal regulations, as well as federal lending best practices where applicable. The effort demands expertise in public finance, risk assessment, and residential lending structures, with a focus on practical implementation within the coastal California context. The proposal must be submitted by June 5, 2026, and the work is being managed by the Finance Department of the City of Newport Beach under NAICS code 522291, which classifies the work within other credit intermediation activities. Contractors are expected to deliver a fully documented and operationalized loan program blueprint ready for municipal adoption and dissemination to residents.
Finance Department of City of Newport Beach

POSTED

2 months ago

CLOSED

about 1 month ago
View Details
NAICS: 522291
Closed
SLED
Residential Utility Underground Loan ProgramThe City of Newport Beach is seeking qualified financial institutions, banks, or credit unions to design, fund, administer, and offer a private residential loan program to support property owners in financing utility undergrounding improvements. The program must operate entirely independent of City funding, guarantees, or credit support, with proposers responsible for all financial risk and operational execution. The City intends to enter into one or more non-exclusive Memorandums of Understanding with selected proposers, reserving the right to award multiple agreements if it serves the public interest. Proposals must be submitted electronically through the Bonfire platform or as a hard copy by the deadline of June 5, 2026, and no bid bond is required. The solicitation number is 26-50, and the North American Industry Classification System code is 522291. The Finance Department of the City of Newport Beach is the contracting office, with Jennifer Anderson as the primary point of contact. The program's success will be measured by alignment with municipal objectives, accessibility to eligible property owners, and the proposer’s ability to deliver a fully functional loan system including origination, underwriting, and servicing without City involvement. No specific performance metrics, evaluation factors, inspection criteria, or contract value estimates are provided in the available documentation, and no standard Federal Acquisition Regulation clauses or certification requirements are referenced. The Place of Performance is not specified beyond California, and no funding sources, payment terms, invoicing methods, or contracting officer details are identified.
Finance Department of City of Newport Beach

POSTED

2 months ago

CLOSED

about 1 month ago
View Details
NAICS: 522291
Closed
Federal
Nationwide Toll Billing and Payment Processing
Defense Contract Managment Office

POSTED

3 months ago

CLOSED

3 months ago
View Details
NAICS: 522291
Closed
SLED
Incoming and Outgoing Wire Transfer Services
Purchasing

POSTED

4 months ago

CLOSED

3 months ago
View Details
NAICS: 522291
Closed
SLED
EWOI-FIN-01 - EMPLOYEE AND WORKER OWNERSHIP INITIATIVE - FINANCIAL SERVICES - Closing: 5/1/2026 12:00 PMThe contract seeks a proposer to provide financial services aimed at supporting business expansions and facilitating transitions to employee or worker ownership models. It is issued by Los Angeles County, California, under solicitation number 228800, with a focus on the North American Industry Classification System (NAICS) code 522291, which pertains to financial investment activities. The initiative is part of the Employee and Worker Ownership Initiative, emphasizing the promotion of shared ownership structures within local businesses. Submissions for this solicitation are due by May 1, 2026, at 7:00 PM, with the closing time indicated as 12:00 PM on the same date. The location for service performance is Los Angeles, California. Interested parties can seek further details or clarification by contacting Michael Yamashige via email or phone. This opportunity aims to enhance local economic development by supporting worker-owned enterprises through targeted financial assistance.
Los Angeles County

POSTED

4 months ago

CLOSED

3 months ago
View Details

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