> Enrich.chat gives AI agents verified work emails and mobiles. To use it from an agent, read https://enrich.chat/agents.md . This is the Markdown version of https://enrich.chat/sic/6153/ # SIC code 6153: Short-term business credit institution The companies classified under SIC 6153, where they are based, how big they are and how the code maps to NAICS. By Enrich.chat Editorial. Updated October 22, 2026. **Short answer:** SIC 6153 is the Standard Industrial Classification code for Short-term business credit institution, in division H (Finance, Insurance, and Real Estate). The companies counted under it are mostly very small: 64% have 50 or fewer employees. ## What is SIC 6153? SIC 6153 is the Standard Industrial Classification code for Short-term business credit institution. It sits in division H, Finance, Insurance, and Real Estate. The first two digits name the major group, and the last two narrow it to a single industry. Most of the companies counted also carry NAICS 522299 (86%). - 64% of the companies counted have 50 or fewer employees, and the middle one is in the 11 to 50 range. - The largest group is headquartered in the United States (87%). Within the US, California is the biggest state (17%). - Most were founded in the 2010s (39%), then the 2000s (28%). **Figure: How SIC 6153 is built.** The code 6153 split into its parts: major group 61, then industry group and industry. It sits in division H, Finance, Insurance, and Real Estate. *The four digits of SIC 6153.* ## Which companies are classified under SIC 6153? The biggest by headcount range include Encore Capital Group, Affirm, Exeter Finance, Europa Factor S.P.A and Pt Clipan Finance Indonesia, Tbk. Names link to a company profile where we have one. | Company | Headquarters | Employees | | --- | --- | --- | | Encore Capital Group | San Diego, CA | 5,001 to 10,000 | | Affirm | San Francisco, CA | 1,001 to 5,000 | | Exeter Finance | Irving, TX | 1,001 to 5,000 | | Europa Factor S.P.A | Roma, Italy | 1,001 to 5,000 | | Pt Clipan Finance Indonesia, Tbk | Jakarta Barat, Indonesia | 1,001 to 5,000 | | Credit Saison | Japan, Japan | 1,001 to 5,000 | | Profectus Capital | Kurla W Mumbai, India | 501 to 1,000 | | Neogrowth Credit | Mumbai, India | 501 to 1,000 | | Brasil Card Instituição De Pagamentos Ltda | Monte Belo, Brazil | 501 to 1,000 | | Oca | Montevideo, Uruguay | 501 to 1,000 | | Fintree Finance | Mumbai, India | 201 to 500 | | Balboa Capital | Costa Mesa, CA | 201 to 500 | | Northpoint Commercial Finance | Alpharetta, GA | 201 to 500 | | Ccbill | Tempe, AZ | 201 to 500 | | Mbcredit Solutions | Milano, Italy | 201 to 500 | | Veros Credit | Santa Ana, CA | 201 to 500 | | Apex Capital | Fort Worth, TX | 201 to 500 | | Paccar Financial | Bellevue, WA | 201 to 500 | | Unicredit Factoring | Milano Mi, Italy | 201 to 500 | | Vive Financial | Draper, UT | 201 to 500 | | La Nacional | Littleton, CO | 201 to 500 | | Credibly | Southfield, MI | 51 to 200 | | Billie | Berlin, Germany | 51 to 200 | | Flexshopper | Boca Raton, FL | 51 to 200 | | Applepie Capital | San Francisco, CA | 51 to 200 | The table shows the 25 biggest by headcount range, with ties broken by audience size. The charts and percentages below cover every company counted for this page, not just these 25, and companies with fewer than 11 employees are not counted. Headquarters is the location on each company's public profile. ## Where are SIC 6153 companies based? The largest groups are headquartered in the United States (87%), the United Kingdom (3%) and Germany (2%). **Figure: Where companies in SIC 6153 are based.** Bars for the share of counted companies in SIC 6153 headquartered in each country: United States 87%, United Kingdom 3%, Germany 2%, India 2%, Italy 2%. *Share of counted companies in SIC 6153 by headquarters country.* Within the United States, California (17%), New York (15%) and Florida (12%) lead. **Figure: US headquarters of companies in SIC 6153, by state.** A tile map of the United States shaded by the share of counted US companies in SIC 6153 headquartered in each state. The largest are California 17%, New York 15%, Florida 12%. *Share of counted US companies in SIC 6153 by headquarters state. The three largest states are outlined.* ## How big are the companies counted for SIC 6153? 64% of them have 50 or fewer employees, and the middle one is in the 11 to 50 range. Companies with fewer than 11 employees are not counted. **Figure: Size of companies in SIC 6153.** Seven columns for the share of counted companies in SIC 6153 in each employee range: 11 to 50 64%, 51 to 200 21%, 201 to 500 9%, 501 to 1,000 2%, 1,001 to 5,000 2%, 5,001 to 10,000 0%, 10,001+ 0%. *Share of counted companies in SIC 6153 in each employee range.* ## How old are SIC 6153 companies? Most were founded in the 2010s (39%), then the 2000s (28%). **Figure: When companies in SIC 6153 were founded.** Eight columns for the share of counted companies in SIC 6153 founded in each era: Before 1960 1%, 1960s 2%, 1970s 3%, 1980s 9%, 1990s 17%, 2000s 28%, 2010s 39%, 2020s 2%. *Share of counted companies in SIC 6153 by the era they were founded in, for the ones that list a founding year.* ## How SIC 6153 compares - 41% were founded in 2010 or later, against 30% across all NAICS codes on this site. - New York holds 15% of the US companies here, against 6% across all NAICS codes on this site. ## SIC 6153 and the NAICS system NAICS replaced SIC as the U.S. federal standard in 1997, but the two do not line up one to one. These are the NAICS codes seen most among the companies counted under SIC 6153. | Code | Title | Share of counted | | --- | --- | --- | | NAICS 522299 | International, Secondary Market, and All Other Nondepository Credit Intermediation | 86% | | [NAICS 522320](https://enrich.chat/naics/522320/) | Financial Transactions Processing, Reserve, and Clearinghouse Activities | 6% | ## How do SIC 6153 companies describe themselves? A code is assigned by classification, and a company does not choose its own, so the label a company uses for itself can differ. The most common labels here are Financial Services (91%), Real Estate (5%) and Banking (4%). **Figure: How companies in SIC 6153 describe themselves.** Bars for the share of counted companies in SIC 6153 that give each industry on their public profile: Financial Services 91%, Real Estate 5%, Banking 4%. *Share of counted companies in SIC 6153 by the industry they list on their public profile.* ## Where SIC codes come from SIC was created in the 1930s and is now historical: the U.S. government replaced it with NAICS in 1997. It is still widely used, and the SEC still assigns a SIC code to every company that files on EDGAR. The full list is in the [SIC manual](https://www.osha.gov/data/sic-manual) that OSHA hosts, and the Census Bureau's [guide to understanding NAICS](https://www.census.gov/programs-surveys/economic-census/year/2022/guidance/understanding-naics.html) explains how the two relate. ## How do you reach the people at SIC 6153 companies? The people to talk to are usually finance, operations and technology leaders. You can build the list in three prompts to your AI agent. ### 1. Count them (free) Counting who matches never uses credits. ```text Use www.enrich.chat to count the companies with SIC code 6153 (Short-term business credit institution) ``` ### 2. Find the people (5 credits per person) Name the roles you sell to. Each person returned is 5 credits, and name, title and company are included. ```text Use www.enrich.chat to find the finance, operations and technology leaders at companies with SIC code 6153, with their titles ``` ### 3. Get their work emails (10 credits each) An email is 10 credits only when one is found. Every email comes with a status: verified, catch-all or unknown. ```text Use www.enrich.chat to find the work emails for these people and tell me which ones are verified ``` ## Frequently asked questions ### What is SIC code 6153? SIC 6153 is the code for Short-term business credit institution, in division H (Finance, Insurance, and Real Estate). ### What is the NAICS code for SIC 6153 (Short-term business credit institution)? 86% of the companies counted carry NAICS 522299 (International, Secondary Market, and All Other Nondepository Credit Intermediation), but the two systems do not map one to one. ### Which companies are classified under SIC 6153? The biggest by headcount range include Encore Capital Group, Affirm, Exeter Finance, Europa Factor S.P.A and Pt Clipan Finance Indonesia, Tbk. The page lists 25 with links to their profiles where we have them. ### How big are the companies in SIC 6153? 64% have 50 or fewer employees, and the middle one is in the 11 to 50 range. Companies with fewer than 11 employees are not counted. ### Is SIC still used? Yes. The U.S. government replaced SIC with NAICS in 1997, but SIC codes are still common in business databases, and the SEC still uses them on EDGAR. ## Try this prompt Find the people at SIC 6153 companies ```text Use www.enrich.chat to find the finance, operations and technology leaders at companies with SIC code 6153, with titles and verified work emails ``` ## Related - [Companies using a technology](https://enrich.chat/companies-using/) - [Tech stack lookup](https://enrich.chat/tools/tech-stack-lookup/)