Business Credit Scores

Build business credit. Establish tradelines with a Nav Prime membership.

Get up to 2 tradelines submitted monthly to the major business credit bureaus. No hard credit checks.

tradeline reporting

Your Nav Prime membership payment is reported monthly as a tradeline on your credit reports. Track your credit-building progress as you go.

  • Establishes profiles with major business credit bureaus
  • Automatically reports payments monthly to D&B, Experian, and Equifax
  • Only reports positive credit history
tradeline improvement
nav prime card daily limit

Use your Nav Prime Card. Get business credit.

Spend up to your daily limit on anything — from team tacos to Instagram ads — and build business credit.⁴

  • No credit check, security deposit, or personal guarantee
  • Adds a second tradeline from Nav
  • Charge card with no risk of carrying a balance

The credit platform small business owners call home

Join over 300,000 small business owners who have built business credit history and managed credit with Nav Prime.

  • Track

    $39.99

    / mo

    For new business owners looking to monitor credit, or established ones who want to protect it

    Track with Prime
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      5 credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion

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      One tradeline to build business credit (membership payment)

  • Build

    Popular

    $49.99

    / mo

    For growing business owners looking to build business credit³ with up to two tradelines

    Build with Prime
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      5 credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion

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      One tradeline to build business credit (membership payment)


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      Second tradeline to build business credit (Nav Prime Card)⁴

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      Nav Business Checking account

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      Bookkeeping tools to manage cash flow and simplify taxes

  • Expand

    $74.99

    / mo

    For business owners seeking one-on-one guidance from an expert to reach their next level

    Expand with Prime
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      5 credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion

    • check

      One tradeline to build business credit (membership payment)


    • check

      Second tradeline to build business credit (Nav Prime Card)⁴

    • check

      Nav Business Checking account

    • check

      Bookkeeping tools to manage cash flow and simplify taxes


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      Dedicated business credit coach

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      FICO SBSS score to track eligibility with 7,500+ lenders — and the SBA

Personal and business credit

Monitor business and personal credit with 1 login

Both business and personal credit are important for your business. Get the full view of your credit health with Nav Prime.

Credit score comparison showing Dun & Bradstreet, Equifax, and Experian ratings, displayed in front of bread
Notification stating business credit score increased by 8%, with cookies stacked in the background

Real-time alerts

See credit changes instantly

Things happen. Get pinged when they do. Celebrate your wins, monitor for fraud, and learn how to fix errors if you need to.

Enhance the tools you need to reach your business credit goals with confidence.

Credit score breakdown showing ratings from Dun & Bradstreet, Experian, Equifax, and FICO SBSS

Detailed credit reports

Access your full credit details

Get the inside scoop to see what lenders, clients, and partners see. 

Credit health overview with ratings for payment history, credit utilization, and Nav Prime Tradeline

Key factors

Make the right moves

Explore the key factors impacting your credit scores like payment history and outstanding balance.

Credit report showing D&B, Equifax, Experian, and FICO SBSS scores, rated as Good or Excellent

Credit trends

See your credit progress over time

Know where you stand and celebrate the milestones that help your business grow.

Why our customers love Nav

Meet the small business owners who are redefining their business journey with Nav.

“I like to see where I started and where I can go in the future with Nav’s credit features. I’ve been able to work on both business and personal credit.”

Brynn K.

Kings Mobile Detail

“Their credit reports are extremely helpful, very clear, and informative, and they are all offered at a fraction of the cost that it would be if a business purchased individual business memberships from each credit bureau. And on top of it, they consistently report a credit line to the business credit bureaus once a month.”

Sergio C.

Energy Company

FAQs

Unlock your credit scores

Get free summary reports or access detailed credit reports and more with Nav Prime. Just enter your basic business details to get started.