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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.

Credit building results vary. Scores are calculated based on multiple factors, and some users may not see improved scores.

1

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.

2

Based 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 July 2025. "4x" represents approximate comparison. Individual prices and features may vary.

3

Loans and lines of credit are made available by Fundbox or its bank partners, First Electronic Bank and Lead Bank. An application is still required before funds are disbursed. Nav Loans is a tool offered by Nav to facilitate approval and access to financing information for certain loan products provided by Nav partners. All offers are subject to lender underwriting and approval. If approved, Nav Prime members can save a 1% discount on fees when making a draw through their Nav account.

4

Parafin 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.

Get a preview of your business credit

Find out if your business is on file with the bureaus and get an overview of your credit standing. No hard credit check.

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Your business credit summary

Good news! Your business credit score went up by 5% this week.

2.7M+small business owners have trusted Nav

4.5/5Rated Excellent on Trustpilot

Rated A+BBB Accredited

4.9/5from 21K+ reviews on the Apple App Store

TRADELINE REPORTING

The simpler way to monitor and build business credit history

✔️ Detailed credit reports

Dig into your full credit details to see what lenders see.

✔️ Nav Prime membership tradeline1

Get a tradeline submitted automatically with your monthly payments.

✔️ Net-30+ vendor marketplace

Find curated vendors that may report to major business credit bureaus

Credit score overview
Credit score comparison showing Dun & Bradstreet, Equifax, and Experian ratings, displayed in front of bread

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.

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.

Notification stating business credit score increased by 8%, with cookies stacked in the background

YOUR MEMBERSHIP

Invest in your success

Getting credit reports elsewhere would cost you 4x more each month.²

Pay monthly

Pay quarterly

save 20%

  • Track

    $39.99

    / mo

    For new or established businesses looking to monitor credit

    Track with Prime
    • check

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

    • check

      Exclusive discounts on fees from Nav’s trusted lending partner3

  • Build

    Popular

    $49.99

    / mo

    For growing businesses looking to build business credit with up to 2 tradelines¹

    Build with Prime
    • check

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

    • check

      Exclusive discounts on fees from Nav’s trusted lending partner3


    • check

      One tradeline to build business credit (membership payment)

    • check

      Bookkeeping tools to manage cash flow and simplify tax prep

    • check

      Coming soon: Nav Credit Builder Card4 with a second tradeline opportunity (not included at signup)

  • Expand

    $74.99

    / mo

    For businesses seeking 1-on-1 guidance to reach their next level

    Expand with Prime
    • check

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

    • check

      Exclusive discounts on fees from Nav’s trusted lending partner3


    • check

      One tradeline to build business credit (membership payment)

    • check

      Bookkeeping tools to manage cash flow and simplify tax prep

    • check

      Coming soon: Nav Credit Builder Card4 with a second tradeline opportunity (not included at signup)


    • check

      Business Credit Coaching

    • check

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

Nav is a recommended solution for building business credit

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

  • Compare plans

Detailed credit reports

Access your full credit details

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

Credit score summary showing ratings from Dun & Bradstreet, Experian, Equifax, and FICO SBSS with performance bars and numerical scores

Key factors

Make the right moves

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

Credit health summary showing status of payment history as Excellent, credit utilization as Needs work, and Nav Prime tradeline as Submitted

Credit trends

See your credit progress over time

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

Credit rating summary showing D&B and FICO SBSS as Excellent, Equifax and Experian as Good, displayed above a line graph of credit trends

Why our customers love Nav

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

“I log into Nav everyday. Once I got into building business credit, I became obsessed with checking it on Nav.”

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

Frequently asked questions

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