Summary
Business credit scores and reports from D&B, Experian, and Equifax
Personalized funding matches from 100+ lenders
Tradeline reporting to build business credit faster
Nav Prime Card with no hard credit check or personal guarantee
Free plan available with basic credit summaries
What Is Nav?
Nav is a business credit monitoring platform and funding marketplace designed for small businesses in the U.S. Founded in 2012 and headquartered in Draper, Utah, Nav gives business owners access to their business credit scores from all three major bureaus (Dun & Bradstreet, Experian, and Equifax) in one place.
The platform does two things well. First, it lets you monitor your business and personal credit profiles with real-time alerts. Second, it matches your business with financing options from over 100 lenders based on your actual credit data.
Nav has helped over 3 million small businesses access their credit information and find funding. The company offers a free basic plan alongside three paid Nav Prime tiers ranging from $39.99 to $74.99 per month.
In this Nav review, we cover everything you need to know about the platform's features, pricing, and whether it's the right fit for your business. If you're looking for business loans or trying to build your business credit profile, Nav is one of the most comprehensive platforms available.
How Nav Works
Nav connects your business to credit data and financing options through a straightforward process.
When you create an account, Nav pulls your business credit data from D&B, Experian, and Equifax. You get a dashboard showing your credit scores, payment history, and any red flags that could hurt your funding chances.
The platform then uses your credit profile to match you with lenders most likely to approve your application. According to Nav, their matches are 3.5x more likely to result in approval compared to applying blindly.
On the funding side, Nav's marketplace includes SBA loans, term loans, lines of credit, business credit cards, equipment financing, and merchant cash advances. You're not borrowing directly from Nav. Instead, they connect you with lenders like Kabbage, Fundbox, BlueVine, and traditional banks.
Nav Business Credit Monitoring
Credit monitoring is the core of what Nav offers, and it's the main reason most business owners sign up.
What You Get
With a Nav account, you can access up to 5 business and personal credit scores:
- Dun & Bradstreet Paydex
- Experian Intelliscore Plus V2
- Equifax Business Delinquency Score
- Experian VantageScore 3.0 (personal)
- TransUnion VantageScore 3.0 (personal)
The free plan gives you credit summaries from these bureaus. Paid plans unlock full, detailed reports.
Why Business Credit Monitoring Matters
Business credit scores work differently than personal scores. Factors like company size, industry risk, years in business, and payment history all play a role.
Many business owners don't realize they even have a business credit file until they get denied for financing. Nav lets you see exactly what lenders see before you apply, so you can fix issues and strengthen your profile first.
Nav also provides 24/7 monitoring with alerts for any changes that could lower your scores or signal fraud.
Nav Marketplace
The Nav funding marketplace is where credit monitoring turns into actionable results.
How the Marketplace Works
You set your business objectives, and Nav's algorithm analyzes your credit profile, revenue, time in business, and industry to generate personalized financing matches.
Nav ranks and sorts over 100 funding options to show the best-matched offers for your business. This includes:
- SBA Loans - $5,000 to $5.5 million with terms up to 25 years
- Term Loans - $5,000 to $5 million starting at 5.99% APR
- Lines of Credit - $1,000 to $250,000 starting at 4.99% APR
- Equipment Financing - $5,000 to $10 million+ starting at 3% APR
- Business Credit Cards - Various options based on credit profile
- Business Cash Advances - $2,000 to $500,000+
Nav also has dedicated funding managers who work directly with lenders to help you get approved.
Requirements
To use Nav, you need to own a business in the U.S. There's no minimum credit score requirement for signing up. The specific requirements for each financing option depend on the individual lender.
Nav Prime Plans and Pricing
Nav restructured its pricing into the Nav Prime umbrella with three paid tiers plus a free option. Here's our Nav Prime review of each tier and what you get for the money.
Free Plan - $0/month
The free account gives you:
- Summary business credit reports from D&B, Experian, and Equifax
- Summary personal Experian credit score
- 24/7 business and personal credit alerts
- Cash flow alerts and insights
- Access to the funding marketplace
- Access to lending experts
Nav Prime Track - $39.99/month
The Track plan is for businesses that want to actively monitor their credit:
- 5 full credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion
- Exclusive discounts on fees from Nav's lending partners
Nav Prime Build - $49.99/month (Most Popular)
The Build plan adds credit-building tools:
- Everything in Track
- One tradeline to build business credit (your Nav membership payment gets reported to bureaus)
- Bookkeeping tools to manage cash flow and simplify tax prep
- Nav Credit Builder Card (coming soon) with a second tradeline opportunity
Nav Prime Expand - $74.99/month
The Expand plan is for businesses that want hands-on guidance:
- Everything in Build
- 1-on-1 business credit coaching
- FICO SBSS score to track eligibility with 7,500+ lenders and the SBA
All paid plans offer a 20% discount when you pay quarterly instead of monthly.
So is Nav worth it? For businesses actively building credit or seeking funding, the Build plan at $49.99/month offers the best value with tradeline reporting included. The free plan works fine if you just need basic monitoring.
Save on Nav Prime
Paying quarterly instead of monthly saves you 20% on any Nav Prime plan. That brings the Build plan down from $49.99 to roughly $39.99 per month, making it more comparable to basic credit monitoring services.
Nav Prime Card
The Nav Prime Card is a business charge card available to Nav Prime Build and Expand subscribers. Unlike a traditional Nav credit card option, this is a charge card designed specifically for credit building.
Here's what makes it different from a typical business credit card:
- No hard credit check to apply
- No personal guarantee required
- Payment history is reported as a tradeline to major business credit bureaus
- Helps establish and build your business credit profile
The card functions as a charge card, meaning you need to pay the balance in full each billing cycle. It's not a revolving credit line.
For new businesses without established credit, the Nav Prime Card provides one of the easier paths to getting a tradeline on your business credit report.
Other Nav Services
Beyond credit monitoring and funding, Nav offers several additional business services:
Business Formation
Nav can help you form an LLC or corporation, which is an important step for separating personal and business credit.
Business Insurance
Access to business insurance quotes through Nav's partner network.
Bookkeeping Tools
Available on Build and Expand plans, these tools help manage cash flow and simplify tax preparation.
Business Grants
Nav runs a small business grant program, awarding $10,000 and $5,000 to qualifying businesses. The company also helps you find and apply for other available grants.
Identity Protection
Paid plans include identity theft protection with up to $1 million in coverage, including reimbursement for legal fees, lost income, and fraudulent withdrawals.
How to Sign Up for Nav
Getting started with Nav takes about five minutes.
Create your free account
Visit Nav.com and click 'Start Now.' You'll enter your email and create a password.
Enter your business details
Provide your business name, address, industry, and the products you're interested in (loans, credit cards, etc.).
Review your credit dashboard
Nav pulls your business credit data and shows you a summary of your scores and reports from D&B, Experian, and Equifax.
Explore funding matches
Browse personalized financing options matched to your business profile. Choose an offer and apply directly through the lender.
Is Nav Legit?
Yes. Nav is a legitimate company that's been operating since 2012.
The company has a 4.4 out of 5 rating on Trustpilot from over 534 reviews. Most positive reviews highlight the credit monitoring features, personalized funding matches, and helpful customer support.
On the negative side, ConsumerAffairs shows some complaints about subscription cancellation difficulties and unexpected charges. This is worth keeping in mind if you sign up for a paid plan.
Nav is backed by investors including Goldman Sachs and has been featured in Forbes, Inc., and Entrepreneur. The platform uses bank-level 256-bit encryption to protect your data.
Customer Service
You can reach Nav through:
- Phone: (855) 226-8388
- Email: support@nav.com
- Online contact form at Nav.com
The Expand plan subscribers also get access to a dedicated business credit coach for 1-on-1 guidance.
Nav FAQs
Is Nav legit for business credit?
Yes. Nav is a legitimate business credit platform founded in 2012 and backed by Goldman Sachs. The company has a 4.4/5 rating on Trustpilot from over 534 reviews. Nav pulls data directly from D&B, Experian, and Equifax, the three major business credit bureaus.
How much does Nav cost?
Nav offers a free basic plan. Paid Nav Prime plans cost $39.99/month (Track), $49.99/month (Build), and $74.99/month (Expand). All paid plans get a 20% discount when billed quarterly.
Does Nav offer free credit monitoring?
Yes. Nav's free plan includes summary business credit reports from D&B, Experian, and Equifax, plus your personal Experian score. You also get 24/7 credit alerts and access to the funding marketplace. Full detailed reports require a paid plan.
How fast does Nav build business credit?
Nav reports that its credit-building tools can increase business credit scores by up to 50% in the first 3 months. However, building solid business credit typically takes 6 to 12 months of consistent on-time payments and tradeline activity.
Is Nav Prime worth it?
It depends on your goals. If you just need basic credit monitoring, the free plan works fine. The Build plan at $49.99/month is worth it if you need tradeline reporting to establish business credit. The Expand plan at $74.99/month makes sense if you want 1-on-1 credit coaching and your FICO SBSS score for SBA loan eligibility.
What is the Nav Prime Card?
The Nav Prime Card is a business charge card available to Build and Expand plan subscribers. It requires no hard credit check and no personal guarantee. Your payment history is reported as a tradeline to business credit bureaus, helping you build business credit.
Nav Alternatives
Nav isn't the only option for business credit monitoring. Here are some alternatives to consider:
- Dun & Bradstreet CreditSignal - Free basic monitoring of your D&B business credit file. More limited than Nav but no cost.
- Experian Business Credit Advantage - $149/year for Experian business credit monitoring. Focuses on one bureau only.
- Credit Suite - Competes directly with Nav for business credit building. Different approach to tradeline reporting.
- CreditSignal by D&B - Free alerts when your D&B scores change.
Nav's main advantage over these alternatives is that it aggregates scores from all three bureaus in one dashboard, while most competitors focus on a single bureau.
