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NAICS Code· 522390

NAICS 522390: Other Activities Related to Credit Intermediation

This industry comprises establishments primarily engaged in facilitating credit intermediation (except mortgage and loan brokerage; and financial transactions processing, reserve, and clearinghouse activities). Illustrative Examples: Check cashing services Money order issuance services Loan servicing Travelers' check issuance services Money transmission services Payday lending services Cross-References. Establishments primarily engaged in--Show more

NAICS 522390 – Other Activities Related to Credit Intermediation encompasses financial services that support credit operations without directly extending loans or accepting deposits. This includes credit reporting, credit scoring, collections agency services, loan servicing, financial data aggregation, and other ancillary functions that facilitate the flow of credit within financial systems.

1
Active Contracts
$1.2B
Total Obligations (12mo)
16
Awarded Contracts (12mo)
9
Contractors Awarded (12mo)
3
Median Bidders per Award
+537.8%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 522390.

AI Industry Description

NAICS 522390 – Other Activities Related to Credit Intermediation encompasses financial services that support credit operations without directly extending loans or accepting deposits. This includes credit reporting, credit scoring, collections agency services, loan servicing, financial data aggregati...

NAICS 522390 – Other Activities Related to Credit Intermediation encompasses financial services that support credit operations without directly extending loans or accepting deposits. This includes credit reporting, credit scoring, collections agency services, loan servicing, financial data aggregation, and other ancillary functions that facilitate the flow of credit within financial systems. In the government contracting landscape, this NAICS code is leveraged to support federal financial management initiatives, including delinquent debt collection, borrower verification, creditworthiness assessments for federal loan programs, and compliance monitoring for federally guaranteed credit instruments. These services are critical to ensuring fiscal integrity, reducing bad debt exposure, and enabling efficient administration of programs such as student loans, small business lending, and housing assistance. No contractor data is available to identify leading performers in this NAICS code within the federal marketplace. The competitive landscape likely includes specialized financial services firms, fintech providers, and small businesses with expertise in regulatory compliance, data analytics, and debt resolution—though no dominant primes or emerging players are currently identifiable from procurement records. No agency data is available to pinpoint primary buyers. However, agencies with large consumer credit portfolios—such as the Department of Education, Department of Housing and Urban Development, and the Small Business Administration—are likely primary users of these services to manage defaults, verify borrower eligibility, and maintain credit reporting integrity across federal programs. The market context for this NAICS code is niche but strategically important, with opportunities concentrated in agencies managing federally backed credit instruments. Demand is driven by regulatory mandates, debt recovery initiatives, and modernization of financial systems. Contractors with proven capabilities in secure data handling, automated credit analytics, and compliance with federal financial regulations are best positioned to compete, though low visibility in procurement data suggests an underpenetrated and potentially high-margin segment.

Small Business Size Standard

The SBA threshold that decides who can bid NAICS 522390 work as a small business.

$28.5M
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.

Top Contractors

Companies with the highest total award value under NAICS 522390, ranked by dollars won.

Top Agencies

Federal agencies directing the most contract spending toward NAICS 522390.

Competition

How many companies historically bid on federal awards in NAICS 522390, from bidder counts reported on USAspending.

Moderate Competition

Median 3-5 bidders per reported award. · 519 reported awards

Median Bidders

3

Per reported award, all-time

Single-Bid Awards

44%

Share of reported awards with one bidder

10+ Bidder Awards

3%

Share of reported awards with 10+ bidders

Reported Awards

519

92% of 564 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
522390This Code
Other Activities Related to Credit Intermediation
Moderate Competition344%
51992% of 564
52239NAICS Industry
Moderate Competition344%
51992% of 564
5223Industry Group
Activities Related to Credit Intermediation
Usually Single-Bid164%
3,81185% of 4,487
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 Other Activities Related to Credit Intermediation, by shared sector, subsector, and industry group.

Explore contracts across multiple NAICS codes Browse all NAICS Codes

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NAICS 522390 FAQ

Frequently Asked Questions

NAICS code 522390 covers Other Activities Related to Credit Intermediation. This industry comprises establishments primarily engaged in facilitating credit intermediation (except mortgage and loan brokerage; and financial transactions processing, reserve, and clearinghouse activities). Illustrative Examples: Check cashing services Money order issuance services Loan servicing Travelers' check issuance services Money transmission services Payday lending services Cross-References. Establishments primarily engaged in--

Recently Posted in Other Activities Related to Credit Intermediation

NAICS: 522390
Closed
SLED
Due Diligence NOI: Municipal Revolving Loan Program
Solicitation # BD-27-1003-EOAS-EOAS-133896
The Executive Office for Administration and Finance for the Commonwealth of Massachusetts is seeking a provider to administer a new municipal revolving loan program funded with 50 million dollars under Chapter 214 of the Acts of 2024. The program features two distinct low-interest loan products: a General Loan Program to address financing gaps for municipal capital projects with federal funding, and a Green Loan Program providing bridge financing for clean energy projects qualifying for federal tax credits. Priority for these loans will be given to rural communities and Gateway Cities. The selected vendor will be responsible for comprehensive administrative functions, including loan underwriting, servicing, compliance, and portfolio management. This solicitation, number BD-27-1003-EOAS-EOAS-133896, is an open market procurement with a response deadline of October 9, 2026. The agency intends to accept a best value offer and is utilizing a due diligence posting to determine if qualified vendors can provide a comparable or better offer than the identified offeror. The contract is expected to commence in October 2026 and continue for the duration of the program's funding. All quotes must be submitted electronically via COMMBUYS, and awarded vendors must maintain an active account and provide standard Commonwealth documentation, including a W-9 and electronic funds transfer authorization.
EOAS - Executive Office for Administration and Finance

POSTED

18 days ago

CLOSED

4 days ago
View Details
NAICS: 522390
Closed
SLED
Fiscal Administrator
Solicitation # 27-RFP-001-VW
The Florida Department of Commerce is soliciting proposals for a Fiscal Administrator to manage lending and provide access to credit for Florida businesses using funds from the Evergreen Loan Fund and the Revolving Loan Fund: Hurricane Irma Resiliency Program. The selected contractor will be responsible for closing loans within 30 days of approval, disbursing payments within 30 days of closing, and processing repayments within 10 days of receipt. Key reporting requirements include providing loan statuses by the 15th of each month and remitting program income by the 20th of each month. The anticipated periods of performance run from late 2026 through 2036, with the option for the agency to renew the contract for up to two years or the original term length. This is a fixed-price agreement where the contractor must propose their own fee structure, though borrower charges are strictly limited to loan origination fees of up to 2 percent and specific interest rate parameters. The solicitation requires a rigorous submission process consisting of separate technical and cost proposals delivered via physical mail or hand delivery by September 22, 2026. Award criteria include a technical evaluation based on competency and experience, as well as past performance reviews. The contract mandates strict compliance with Florida cybersecurity laws, including the Florida Information Protection Act, and requires cyber liability insurance of at least 10 million dollars per claim. Additionally, the contractor must adhere to various federal and state certifications regarding non-discrimination, lobbying, and the exclusion of debarred or suspended entities.
Department of Commerce

POSTED

about 2 months ago

CLOSED

21 days ago
View Details
NAICS: 522390
DIBBS
Accelerated Payments to Small Business Subcontractors (FAR 52.232-40)The contract mandates the implementation of financial processes to ensure payments to small business subcontractors are made within 15 days, in full compliance with the Federal Acquisition Regulation clause FAR 52.232-40. This initiative is designed to improve cash flow for small businesses by accelerating payment timelines, reinforcing federal commitments to timely compensation in the subcontracting chain. The obligation applies broadly to all applicable subcontractors under the contract, requiring systematic changes to invoicing, approval, and disbursement workflows to meet the strict deadline without exceptions. This subcontract is administered by the Defense Logistics Agency under the Department of Defense, with the NAICS code 522390 indicating its alignment with other financial and administrative support services within the defense sector. Although the place of performance and specific office details are not provided, the contractual obligation extends to all relevant subcontracting activities tied to the award. The contract is not set aside for any specific small business category, but its core purpose is inherently supportive of small business participation by enforcing prompt payment standards. The UI link provides access to official records for verification and monitoring by contractors and subcontractors involved in the payment cycle.
Defense Logistics Agency

POSTED

2 months ago

DEADLINE

N/A
View Details
NAICS: 522390
DIBBS
Accelerated Payment Processing for SubcontractorsThe contract mandates the provision of administrative and financial services to facilitate timely and compliant accelerated payments to small business subcontractors as required by clause 52.232-40. This includes establishing and maintaining systems and processes to identify eligible subcontractors, verify payment eligibility, track payment timelines, and ensure all financial transactions adhere to federal guidelines designed to improve cash flow for small businesses working under federal procurement contracts. The services will require close coordination with prime contractors and finance teams to ensure documentation is accurate, payments are processed within mandated timeframes, and compliance audits can be readily supported. The work is classified under NAICS code 522390 and is administered by the Defense Logistics Agency within the Department of Defense. Although specific performance locations and contact details are not provided, the contract focuses on centralized administrative and financial oversight rather than on-site service delivery. The primary goal is to strengthen accountability and efficiency in the payment chain, ensuring small business subcontractors receive accelerated payments as required by federal policy, thereby promoting financial stability and encouraging broader participation from small businesses in defense-related supply chains.
Defense Logistics Agency

POSTED

2 months ago

DEADLINE

N/A
View Details

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