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NAICS Code· 522299

NAICS 522299: International, Secondary Market, and All Other Nondepository Credit Intermediation

This U.S. industry comprises (1) establishments primarily engaged in providing working capital funds to U.S. exporters, lending funds to foreign buyers of U.S. goods, and/or lending funds to domestic buyers of imported goods; (2) establishments primarily engaged in buying, pooling, and repackaging loans for sale to others on the secondary market; and (3) establishments primarily providing other nondepository credit (except credit card issuing, sales financing, consumer lending, and real estate credit). Examples of types of lending in this industry are short-term inventory credit, agricultural lending (except real estate and sales financing), and consumer cash lending secured by personal property. Illustrative Examples: Commodity Credit Corporation Factoring accounts receivable Industrial banks (i.e., known as), nondepository International trade financing Morris Plans (i.e., known as), nondepository Pawnshops Secondary market financing Cross-References.Show more

NAICS 522299 — International, Secondary Market, and All Other Nondepository Credit Intermediation encompasses financial services that facilitate credit intermediation outside traditional banking channels, including international trade finance, secondary market transactions in financial instruments, and other nondepository lending activities. This sector supports government operations by enabling structured financing for cross-border procurement, asset-backed securities, and specialized credit arrangements that do not involve deposit-taking institutions.

7
Active Contracts
+0.0%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 522299.

AI Industry Description

NAICS 522299 — International, Secondary Market, and All Other Nondepository Credit Intermediation encompasses financial services that facilitate credit intermediation outside traditional banking channels, including international trade finance, secondary market transactions in financial instruments, ...

NAICS 522299 — International, Secondary Market, and All Other Nondepository Credit Intermediation encompasses financial services that facilitate credit intermediation outside traditional banking channels, including international trade finance, secondary market transactions in financial instruments, and other nondepository lending activities. This sector supports government operations by enabling structured financing for cross-border procurement, asset-backed securities, and specialized credit arrangements that do not involve deposit-taking institutions. While not as visible as direct procurement categories, this NAICS plays a critical behind-the-scenes role in enabling complex international partnerships, multilateral funding mechanisms, and financial infrastructure supporting federal programs with global reach. Its relevance in government contracting arises when agencies engage third-party intermediaries to structure or manage credit flows tied to foreign aid, defense cooperation, or international development initiatives. No contractor data is available for this NAICS code, indicating limited or highly fragmented contractor participation in federal awards. Companies operating in this space are typically niche financial services firms, specialty finance entities, or international financial intermediaries with expertise in structured credit and cross-border capital markets, rather than traditional defense or IT primes. No agency data is available, suggesting that procurement under this code is either extremely limited, embedded within broader financial or international assistance contracts, or classified under other NAICS classifications. When used, demand likely stems from agencies engaged in international development, foreign military financing, or global financial cooperation, such as the U.S. Agency for International Development or the Department of State. The competitive landscape is sparse and highly specialized, with few contractors actively competing for awards under this code. Opportunities are concentrated in firms with deep expertise in international financial regulation, securitization, and off-balance-sheet financing structures. Government procurement in this space tends to be ad hoc and project-specific, presenting low-volume but high-complexity contracting opportunities for qualified financial intermediaries with global compliance capabilities.

Competition

How many companies historically bid on federal awards in NAICS 522299, from bidder counts reported on USAspending.

Too few awards in NAICS 522299 report bidder counts (2 of 2) to summarize competition. The broader industry family below gives the closest honest picture.

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
522299This Code
International, Secondary Market, and All Other Nondepository Credit Intermediation
Not enough reported data———
2100% of 2
52229NAICS Industry
Usually Single-Bid173%
56292% of 608
5222Industry Group
Nondepository Credit Intermediation
Usually Single-Bid175%
96788% of 1,105
522Subsector
Usually Single-Bid172%
7,94985% of 9,381
52Sector
Finance and Insurance
Usually Single-Bid171%
55,82685% of 65,508

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 International, Secondary Market, and All Other Nondepository Credit Intermediation, 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

Consumer Lending

This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to cons...
522291Same 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

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

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NAICS 522299 FAQ

Frequently Asked Questions

NAICS code 522299 covers International, Secondary Market, and All Other Nondepository Credit Intermediation. This U.S. industry comprises (1) establishments primarily engaged in providing working capital funds to U.S. exporters, lending funds to foreign buyers of U.S. goods, and/or lending funds to domestic buyers of imported goods; (2) establishments primarily engaged in buying, pooling, and repackaging loans for sale to others on the secondary market; and (3) establishments primarily providing other nondepository credit (except credit card issuing, sales financing, consumer lending, and real estate credit). Examples of types of lending in this industry are short-term inventory credit, agricultural lending (except real estate and sales financing), and consumer cash lending secured by personal property. Illustrative Examples: Commodity Credit Corporation Factoring accounts receivable Industrial banks (i.e., known as), nondepository International trade financing Morris Plans (i.e., known as), nondepository Pawnshops Secondary market financing Cross-References.

Recently Posted in International, Secondary Market, and All Other Nondepository Credit Intermediation

NAICS: 522299
SLED
Global Digital Payment ServicesThe contract seeks to establish a global digital payment infrastructure capable of facilitating international electronic disbursements to a minimum of 70 countries, ensuring seamless multi-currency processing and strict adherence to global compliance standards. This subcontract under the State Controller’s office in California will enable secure, efficient, and scalable cross-border financial transactions, supporting government and institutional payments with currency flexibility and regulatory alignment across diverse jurisdictions. The system must integrate robust compliance mechanisms to meet anti-money laundering, sanctions screening, and data privacy requirements in each target country. The solicitation is open for responses until September 9, 2026, and is classified under the NAICS code 522299 for other financial investment activities. It will be performed in alignment with California’s operational requirements, though specific performance locations are not defined. Interested parties must submit proposals by the stated deadline through the official procurement portal, with no set-aside provisions or small business preferences indicated. The initiative aims to modernize the state’s disbursement capabilities for international obligations, prioritizing reliability, transparency, and interoperability with global financial networks.
State Controller

POSTED

28 days ago

DEADLINE

in 12 days
View Details
NAICS: 522299
SLED
Returned Item Handling and ReconciliationThe contract requires managing returned ACH items through root cause analysis, correction, and reprocessing while fully complying with NACHA rules to ensure accurate and timely financial transactions. This includes identifying why returns occur, implementing corrective actions to prevent recurrence, and efficiently reprocessing payments in alignment with federal automated clearinghouse standards. The work is part of a subcontract under the State Controller’s office in California with a NAICS code of 522299, indicating it relates to other financial investment activities. The solicitation was posted on July 31, 2026, and responses are due by September 9, 2026, with no set-aside designation specified. Performance is expected to be carried out under the jurisdiction of the California State Controller’s office without a designated physical location.
State Controller

POSTED

28 days ago

DEADLINE

in 12 days
View Details
NAICS: 522299
SLED
ACH Transaction ProcessingThe contract involves the processing of credit, debit, and prenote ACH transactions for state disbursement operations, requiring strict adherence to NACHA rules to ensure accuracy, security, and compliance. The work is positioned as a subcontract under the State Controller’s office in California and is categorized under NAICS code 522299, indicating it relates to other financial investment activities. Performance of the contracted services must align with state-defined disbursement protocols while maintaining federal ACH network standards for electronic fund transfers. The solicitation was posted on July 31, 2026, with a response deadline of September 9, 2026, providing potential vendors a limited window to submit proposals. No set-aside designation or specific organizational type requirements are specified, leaving the opportunity open to qualified subcontractors regardless of size or ownership status. The place of performance and point of contact details are not provided, suggesting operational flexibility or that the work may be performed remotely or through secure electronic systems. Interested parties must access the full solicitation via the provided state procurement portal to understand specific technical, reporting, and compliance expectations.
State Controller

POSTED

28 days ago

DEADLINE

in 12 days
View Details
NAICS: 522299
SLED
Fintech and Payment Platform IntegrationThe contract seeks integration of third-party fintech platforms to enable push-to-card, paycards, digital checks, and alternative payment methods, aiming to modernize payment infrastructure for state financial operations. The work is structured as a subcontract under NAICS code 522299, with a response deadline of September 9, 2026, and was posted on July 31, 2026, indicating an open solicitation period of approximately five weeks for qualified vendors to submit proposals. The contracting authority is the State Controller of California, with no specific location designated for performance, suggesting that work may be performed remotely or across multiple sites within the state. There is no set-aside designation or organization type restriction listed, making this opportunity available to any eligible subcontractor capable of delivering secure, scalable financial technology solutions aligned with state payment requirements.
State Controller

POSTED

28 days ago

DEADLINE

in 12 days
View Details
NAICS: 522299
Closed
SLED
Secure Financial Transaction Processing & Reconciliation
Dept Of Rehab & Corrections

POSTED

29 days ago

CLOSED

15 days ago
View Details
NAICS: 522299
Closed
SLED
PCI-Compliant Payment Gateway Integration
Texas Department of Insurance

POSTED

29 days ago

CLOSED

15 days ago
View Details
NAICS: 522299
Closed
Federal
Loan Servicing Operations & Default ManagementThis contract requires the performance of comprehensive loan servicing operations with a focus on day-to-day activities essential to maintaining loan integrity and borrower support. Responsibilities include managing borrower communications, implementing default prevention strategies, overseeing real estate owned properties, and coordinating loan sales to ensure timely and compliant outcomes. The work is centered on operational excellence in loan administration and default management within the Department of Veterans Affairs framework, specifically under the agency designation Sac Frederick. The contract is classified as a subcontract and is governed under NAICS code 522299, indicating nondepository credit intermediation services. It was posted on July 17, 2026, with a firm response deadline of August 7, 2026, at 5:00 PM. All work must be performed at the designated place of performance in Frederick, Maryland, with a zip code of 21703. The solicitation does not specify a set-aside type or point of contact, and all proposals must be submitted through the official SAM.GOV portal linked in the contract details.
Sac Frederick (36C10X)

POSTED

about 1 month ago

CLOSED

21 days ago
View Details
NAICS: 522299
Closed
SLED
Electronic Lockbox & Remittance Processing ServicesThe City of Pflugerville seeks a vendor to provide electronic lockbox and remittance processing services to capture payment and remittance data from bill pay applications and securely transmit daily updates to the city’s accounts receivable system. The service must ensure accurate, timely, and encrypted transfer of financial information to support efficient cash application and reconciliation processes. The contract is structured as a subcontract under NAICS code 522299, with a response deadline of August 13, 2026, and the opportunity was posted on July 15, 2026. Performance is expected to be conducted remotely, with no specified physical location for service delivery, and the city will rely on the vendor to integrate seamlessly with its existing financial systems using standardized data formats and protocols. The vendor is responsible for maintaining the integrity and security of all financial data throughout the processing lifecycle, ensuring compliance with applicable data protection standards. The solution must support high-volume transaction processing, error resolution mechanisms, and audit-ready reporting capabilities. Payment amounts and associated remittance details must be matched accurately to customer accounts, minimizing manual intervention and reducing discrepancies in the city’s receivables ledger. No set-aside criteria are specified, and the contract will be awarded based on the vendor's technical capability, service reliability, and cost-effectiveness in delivering a robust and scalable electronic lockbox solution.
CITY OF PFLUGERVILLE

POSTED

about 1 month ago

CLOSED

15 days ago
View Details
NAICS: 522299
Closed
SLED
ATM and Bank Teller Withdrawal & Balance Inquiry ServicesThe contract seeks to establish services supporting card-based access to funds through ATM and bank teller networks, enabling users to perform balance inquiries and withdrawals while also managing negative balances and nonsufficient funds events. This subcontract is focused on maintaining reliable, secure, and compliant operational capabilities across the financial transaction infrastructure, ensuring uninterrupted service for end users even under unfavorable financial conditions. The scope emphasizes robust handling of edge cases such as overdrafts and failed transactions to uphold system integrity and customer trust. The opportunity was posted on July 2, 2026, with a response deadline of July 15, 2026, and is classified under NAICS code 522299, which pertains to other financial investment activities. The contracting entity is the Missouri Division of Purchasing within the PROC OA division, though no specific office address or point of contact details are provided. The place of performance and organizational type remain unspecified, and no set-aside provisions are indicated. Interested parties must submit proposals via the provided Oracle Cloud interface before the deadline to be considered for award.
PROC OA DIVISION OF PURCHASING PROCUREMENTS

POSTED

about 2 months ago

CLOSED

about 1 month ago
View Details
NAICS: 522299
Closed
SLED
Electronic Payment & Payroll ProcessingThis contract involves providing electronic payment and payroll processing services for the City of Liberty Hill, Texas. The scope includes facilitating electronic disbursements such as payroll direct deposits, vendor payments, and tax collections through automated clearing house (ACH), wire transfer, and electronic check (e-check) systems. The services aim to streamline and secure the transfer of funds for various financial transactions and improve efficiency in the city's payment processes. Issued as a subcontract under the NAICS code 522299, the contract was posted on June 10, 2026, with a response deadline set for July 1, 2026. While certain specific details such as the solicitation number, set-aside status, and exact location of performance are not provided, the opportunity focuses on providing seamless and reliable electronic payment solutions to support the city's financial operations. The contract supports the agency's broader financial management objectives and leverages electronic payment mechanisms to enhance transactional accuracy and timeliness.
CITY OF LIBERTY HILL

POSTED

3 months ago

CLOSED

about 2 months ago
View Details
NAICS: 522299
Closed
SLED
Payment Processing and Merchant Fee ManagementThe contract involves providing secure and scalable payment processing services specifically designed for direct cash disbursements to low-income renters. This includes handling multiple payment methods such as ACH transfers, prepaid debit cards, and mobile wallet transfers, ensuring flexibility and accessibility for recipients. An additional key aspect of the contract is the management of merchant fees associated with these transactions, which suggests a focus on cost efficiency and transparency throughout the payment process. The opportunity is categorized under the NAICS code 522299, which corresponds to financial transaction processing and clearinghouses, aligning with the specialized nature of payment processing services. Issued by the New Mexico Purchasing agency, this subcontract has a response deadline set for June 29, 2026. While specific location details and points of contact are not provided, the contract underlines the agency's commitment to leveraging technology to assist vulnerable populations through efficient and secure financial transactions.
Purchasing

POSTED

3 months ago

CLOSED

2 months ago
View Details
NAICS: 522299
Closed
SLED
On-Site Payment Processing for Towing ServicesThis contract involves providing mobile, on-site payment processing services specifically for vehicle owners retrieving impounded vehicles at incident scenes. The services include handling both cash and credit transactions directly at these locations, ensuring a convenient and efficient payment experience. The contract is categorized under NAICS code 522299, which pertains to other financial investment activities, indicating the focus on payment facilitation. The solicitation for this subcontract was posted on May 27, 2026, with a response deadline set for June 3, 2026. It is issued by the state of Utah, though specific office or contact details and exact place of performance were not provided. This opportunity aims to enhance the payment process for towing services by implementing mobile payment solutions at the point where vehicle owners recover their impounded vehicles, streamlining the collection of fees and improving operational efficiency.
Utah

POSTED

3 months ago

CLOSED

3 months ago
View Details

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