Build business credit to help you unlock growth

Nav Prime is a paid membership that helps you track, build, and use business credit while supporting your business’s overall financial health. Depending on your plan, you can get:

• a comprehensive view of your business and personal credit (all plans)
• a tradeline submitted to all major business bureaus to help you build business credit (all plans)
• cash flow and bookkeeping tools to help manage your money (Build and Expand plans)
• 1-on-1 business credit coaching to help identify the right next steps on your business journey (Expand plans only)

Nav Prime is ideal for small business owners who want to streamline their financial management, build business credit, and explore funding opportunities. It helps both new and established businesses gain better insights into their financial health and improve their creditworthiness.

No. Nav Prime is a membership that provides access to credit and cash flow tools. We submit your monthly membership payments as a tradeline to the major business credit bureaus, which can help improve your business credit history. 

Nav provides access to partner offerings and Nav Loans powered by Fundbox.³ Nav does not lend money directly or guarantee approvals for loans, lines of credit, or credit cards available from our partners. 

Signing up for a free Nav account gives you a general view of your business credit standings (not scores), one personal credit score from Experian, and basic alerts to certain changes in your credit profile.

Joining Nav Prime unlocks detailed credit reports (including exact scores and key factors) alongside additional tools to support your business. Depending on your plan (Track, Build, or Expand), you can get:

• a comprehensive view of your business and personal credit (all plans)
• a tradeline submitted to all major business bureaus to help you build business credit (all plans)
• cash flow and bookkeeping tools to help manage your money (Build and Expand plans)
• 1-on-1 business credit coaching to help identify the right next steps on your business journey (Expand plans only)

The Track plan is meant for new or established businesses looking to monitor credit. It includes: 

• Business credit scores, alerts, and reports from D&B, Experian, and Equifax
• 2 personal credit scores and reports from Experian and TransUnion
• A tradeline to build business credit (from your membership payments)
• Exclusive discounts on fees from Nav’s trusted lending partner³

The Build plan is meant for growing businesses looking to build business credit. It includes everything on the Track plan, plus: 

• Bookkeeping tools to manage cash flow and simplify tax prep

The Expand plan is meant for businesses who need 1-on-1 guidance. It includes everything on the Build plan, plus: 

• Monthly access to 1-on-1 guidance from a business credit coach
• Access to your FICO SBSS score to track eligibility with 7,500+ lenders

Coming soon: Prime members on the Build and Expand plans will have the opportunity to get a second tradeline and earn cash rewards⁵ for business purchases with the Nav Credit Builder Card.⁴ Learn more and join the waitlist here. 

With the Nav Prime version of Credit Health, you get real-time alerts to changes in your credit profile and deeper insights to help you act on what’s holding you back from funding or opening new options. 

Yes. If approved for a line of credit from Nav’s trusted lending partner, Prime members can save $100 per $10K draw (a 1% discount on fees).³

A tradeline is an account line on a credit report that can show payment history over time. With Nav Prime, the tradeline refers to reporting your monthly membership payment to business credit bureaus. Navigate here to learn more about tradelines.

For all plans, Nav submits your Nav Prime membership payments as a tradeline to all the major business credit bureaus (Experian, Equifax, and Dun & Bradstreet) on the first of each month. It can take between 14 to 45 business days for the bureaus to add your information to their reports. 

Note that your membership tradeline may show up as “business services” in your business credit report, not as “Nav.”

All credit reports are updated every 30 days when you log in to your account.

You can upgrade, downgrade, or cancel your Nav Prime membership at any time.

No, ending your Nav Prime membership will not affect your business credit score. However, canceling means that we will no longer report tradeline(s) on your behalf to help build your business credit profile.

What is Nav Business Credit Coaching?
For Nav Prime members on the Expand plan, business credit coaching translates your credit and cash flow insights into a clear plan to help you prepare for funding opportunities — tailored to your business. You’ll meet 1-on-1 with a dedicated coach to learn the basics of business credit, review your reports, and get a personalized roadmap based on your business goals. Monthly check-ins help you stay accountable and get funding-ready.

Nav pulls credit information directly from the credit bureaus. If there’s anything incorrect on your report, reach out to the bureau directly to dispute the information.

Get details on how to file a dispute with each of the three commercial credit bureaus here:

• Experian
• Equifax
• Dun & Bradstreet

Learn more about how to dispute incorrect information.