How does Nav Prime work? Top questions about Nav Prime answered
Written byGerri Detweiler
Reviewed by Robin Saks Frankel
Summary
- Nav Prime is a financial and business credit platform where business owners can check, manage, and monitor their business and personal credit, as well as prepare to get financing.
- Nav Prime currently includes three paid monthly membership options. Business owners can also get started with a free Nav account.
- Two Nav Prime membership tiers (Build and Expand) including monthly tradeline reporting to major business credit bureaus, along with other benefits.
A financial health and business credit platform, Nav continues to evolve in 2026. New features, including the net-30+ vendor marketplace and the Nav Credit Builder Card, are being added while previous products like Nav Business Checking and the Nav Prime Card have been discontinued. Nav Prime offers a tiered membership that starts with a free plan, and currently offers three paid tiers: Track (39.99 per month), Build ($49.99 per month), and Expand ($74.99).
In this guide we’ll answer common questions about Nav Prime, including the benefits of the different plans, as well as how it can help business owners.
What is Nav Prime?
Nav Prime is a membership for business owners who want to strengthen their cash flow and build business credit to get ready for funding. It offers a free plan that allows business owners to get a general overview of their funding readiness and business credit ratings with major business credit bureaus.
Three tiers of paid Nav Prime plans include detailed business credit reports and business credit scores from the major commercial credit bureaus, along with a funding readiness assessment. The Build and Expand plans also include tradeline reporting to major business credit bureaus to help build business credit.1
Depending on the membership tier, business owners may have access to Nav products and benefits, including the following:
Benefit | What it offers | Plans including this benefit |
Credit Health | Monitor personal and business credit profiles in one place | Free customers get business credit summaries and a personal credit score from Experian; |
Net-30+ vendor marketplace | Extensive directory of suppliers that allow eligible business owners to buy now and pay later. Some also report tradelines to one or more business credit bureaus, which can be helpful for building business credit. | All Nav Prime plans and free Nav accounts |
Funding readiness assessment | Using 90+ more factors lenders may use when evaluating a business for loans, credit cards, and trade credit. Provides personalized insights to help business owners work toward their financing goals. | All Nav Prime plans. Free Nav accounts include a basic funding readiness snapshot. |
Cash Flow Health | Connect all your business and credit accounts to see a simple view of your finances in one place, and set customized alerts. | All Nav Prime plans and free Nav accounts |
Financing marketplace | Designed to help business owners save time researching and accessing financing options, it includes lending options from Nav’s portfolio of 25+ trusted partners based on the business owner’s credit and business data. | All Nav Prime plans and free Nav accounts |
Nav Credit Builder Card2 | Cardholders can use the Nav Credit Builder Card to help build business credit and earn rewards3 (in beta, not included at signup) | Eligible members with Nav Prime Build and Expand plans |
FICO® SBSSSM Score | Nav is one of the few places where business owners can see a FICO SBSS Score, the only FICO score tailored to small business borrowers. | Nav Prime Expand plans only |
Bookkeeping tools | Simple bookkeeping tools help business owners manage cash flow and simplify tax prep. | Nav Prime Build and Expand plans |
Business credit coaching | Meet 1-on-1 with a dedicated business credit coach to get a tailored plan—with monthly check-ins—to build business credit and get ready for funding. | Nav Prime Expand plans only |
Nav Prime benefits may change. Visit the Nav Prime page for current details.
What happened to the Nav Prime Card?
The Nav Prime Card was discontinued April 1, 2026. For customers with fully paid balances, April 2026 was the last month of tradeline reporting, and the account was then reported as closed. For customers with balances, delinquent balances may have been reported as late as June 2026.
Prior payment history remains on business credit reports for as long as the individual credit bureaus choose to report it.
Customers with questions about their Nav Prime Card can reach out to Nav through their Nav account, by calling 888-215-8584, or by using the Nav customer care chat in our Help Center.
In 2026, Nav introduced the Nav Credit Builder Card which is currently available in beta to select customers.
What happened to Nav Business Checking?
Nav discontinued Nav Business Checking as of April 1, 2026 to focus on providing better tools to help business owners build business credit. Nav does not currently offer a checking account; instead, business owners may find banking partners through Nav’s trusted partners.
Customers have had the opportunity to transfer funds to their other bank accounts. For help with any outstanding issues or copies of statements, customers can reach out to Nav’s customer care team at 888-215-8584.
What is the Nav Credit Builder Card?
The Nav Credit Builder Card is a business credit card on the Visa network. There are no personal or business credit checks, and account activity is reported each month to business credit bureaus Experian, Equifax, and Dun & Bradstreet (D&B).
The Nav Credit Builder Card is available as both a physical card and virtual card and may be used for business-related purchases, including inventory, equipment, and rent.
It offers 1% cash back on eligible purchases.3 Cardholders can pay their statement balance in full within a 7-day grace period to avoid fees, or repay over time for a fee.4
Currently the Nav Credit Builder Card is only available to select customers on the Nav Build or Expand Plans The waitlist is available on the Nav website.
How much does Nav Prime cost?
Nav Prime is currently available with the following pricing tiers. Customers can also get started with a free Nav account.
- Track: $39.99 per month
- Build: $49.99 per month
- Expand: $74.99 per month
These are subject to change. Check the current Nav Prime plans on the Nav website.
How does Nav Prime tradeline reporting work?
Currently, Nav submits membership payments for Nav Prime Build and Nav Prime Expand plans as a tradeline monthly to business credit bureaus Dun & Bradstreet (D&B), Experian, Equifax. Tradelines reported to credit bureaus add a tradeline (account) that can impact business credit profiles, and may help build business credit scores.1
Does Nav Prime actually work?
Over 340,000 small businesses have worked with Nav to build business credit history with Nav Prime. Nav Prime customers have seen an average credit score increase5 of:
- 32 points with Equifax after 3 months as a Nav Prime member
- 34 points with Experian after 3 months as a Nav Prime member
- 13 points with D&B after 3 months as a Nav Prime member
Is Nav Prime worth it?
Nav Prime can be an excellent fit for business owners who want to build business credit, improve their business visibility with larger partners or commercial customers; or improve their funding readiness for business credit cards, loans, or trade credit. Nav offers a comprehensive suite of products in an all-in-one solution. Simply getting credit reports elsewhere would cost 4x more each month.5
Nav is not a lender or a credit bureau. Credit information is provided by third-party sources.
Other frequently asked questions
Can I still apply for the Nav Prime Card?
The Nav Prime Card was discontinued April 1, 2026. Nav now offers the Nav Credit Builder Card which is currently offered to select customers before it rolls out more broadly.
What happens to my credit history from the Nav Prime Card?
The last month of credit reporting for the Nav Prime Card was April 2026 for accounts that did not have a balance, or June 2026 for accounts with a delinquent balance.
Account history that was reported for the Nav Prime Card will continue to be included in business credit reports for as long as the individual credit bureaus include it. Federal law does not limit how long business credit information may be reported.
How do I cancel Nav Prime?
Nav customers can upgrade, downgrade, or cancel their Nav Prime plan at any time. Downgrades or cancellations will take effect at the end of the current billing cycle. Plans may be changed or cancelled in the Nav account by clicking on settings > billing> manage your plan > cancel your plan, or by calling Nav’s customer care team at 888-215-8584.
Which credit bureaus does Nav Prime report to?
Nav currently reports Nav Build and Nav Expand subscription payments to business credit bureaus Dun & Bradstreet (D&B), Equifax, and Experian.
Is there a free version of Nav?
There is a free Nav plan that offers a basic funding readiness summary for loans, credit cards, and trade credit; basic business credit range and high level data from the major business credit bureaus; a personal credit score and credit report from Experian; and basic cash flow tracking across unlimited accounts.
How is Nav Prime different from Nav Business Boost?
Nav Business Boost is the name of a paid Nav Prime plan that is no longer offered. The currently available Nav Prime plans are Free, Nav Track, Nav Build, and Nav Expand.
Disclosures
California loans arranged pursuant to Department of Financial Protection & Innovation Lenders License 60DBO-98588
Nav Technologies, Inc. is a financial technology company, not a bank.
1Credit building results vary. Scores are calculated based on multiple factors, and some users may not see improved scores. Select Nav Prime plans include one business tradeline. The ability to apply for additional tradelines is limited to customers on eligible plans and is subject to availability and approval.
2Parafin is the servicer of the Nav Credit Builder Cards. Parafin and Nav Technologies are financial technology companies, not banks. Nav Credit Builder Cards are issued by Column N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc., and are powered by Marqeta. Subject to approval and eligibility. Terms and conditions apply. The Nav Credit Builder Card is designed to report business payment history to business credit bureaus and support business credit building. Credit building results vary as business credit scores are calculated based on multiple factors and some businesses may not see improved scores. This product reports to business credit bureaus only and does not affect personal consumer credit profiles. The Nav Credit Builder Card is a business financing product and may not be used for personal, family, or household purposes.
3Card purchases may be eligible for cashback. See the Rewards Agreement for more information.
4If the full statement balance for a given statement period is unable to be collected by the end of the grace period (i.e., 7 calendar days after the statement period ends), the full statement balance will be rolled over into your pay-over-time balance along with a statement fee of 11%–16% of the statement balance. For more information, see your Card Agreement.
5Based on aggregate data tracking positive business credit score changes across Equifax, Experian, and Dun & Bradstreet among Nav Prime subscribers observed after three months. This reflects an average score increase; individual results will vary. Each business credit bureau uses different scoring models and considers many factors, so some users may not see improved scores.
6Based on comparison of Nav's $39.99/month subscription vs. combined cost ($158.90/month) of comparable business reports from Experian, Equifax, and D&B as of January 2026. "4x" represents an approximate comparison. Individual prices and features may vary.