Nav + Clover

Simplifying small business
credit and financing for free

Use the Nav app to sell more Clover and retain merchants

Merchants already know us

Nav-powered business credit scores are auto-provisioned on Clover’s merchant dashboard and POS devices

Download the app for more insights with just one click for free

Business credit report details, monitoring and insights on what’s impacting scores, like derogatory items and tradelines.

A business financing and credit cards marketplace with offers matched to the merchant’s credit profile.

Ask your merchants these questions

Do you know your business’s credit score?

Clover gives you free access to your Experian and Dun & Bradstreet business scores with the free Nav app. These scores are used by business lenders, suppliers and others to evaluate your business. It’s free!

Does your business have all the capital it needs?

With Clover, instantly see financing recommendations tailored to your business based on over 100 loan and credit card options.

Be a hero to small business owners

The Nav app helps merchants

Qualify for lower cost funding

Get more time to pay vendors and suppliers

Protect their business credit data

Eliminate the stress of finding the right financing

Merchants who understand business credit are 41% more likely to get approved for a traditional business loan.

Using Nav is free & easy

  1. Click the Nav widget on the POS dashboard
  2. Or search for Nav in the App Market “Download App”
  3. Select the free or paid subscription and install
  4. See business credit report scores, details and financing offers

Merchant FAQs

Q: What is business credit?
A: Like personal credit, your company has its own credit reports and scores. Lenders, credit card issuers, insurance companies, suppliers and partners can check these reports to evaluate your business.

Q: Does checking my credit reports hurt my scores?
A: No — Checking your own credit reports and scores is considered a “soft” inquiry and does not hurt your scores. You can check as often as you’d like.

Q: What’s the difference between the Experian and the D&B credit reports?
A: Both scores range from 0 – 100. A score of 80 or above is considered “strong”. Experian’s business credit reports can be used by lenders, banks, insurance companies and others to evaluate a business’s credibility. Dun & Bradstreet reports are mainly used by suppliers, vendors and to get government contracts.

Q: How do I improve my business scores?
A: First, you need to check your reports to make sure the bureaus have a profile for your company. Nav has tips for estabilishing business credit in our app. To improve scores: pay your business bills on time or early, decrease your credit utilization and monitor your reports and dispute any errors.

Q: What if something is wrong on my credit reports?
A: Experian and Dun & Bradstreet want your business credit reports to be accurate. Experian requires that you fill out a report to update information. Dun & Bradstreet information can be updated online. Nav’s Customer Support team can help with the process for both bureaus. Call us at 1-855-387-1314 or shoot us an email:

Q: How can Nav’s MatchFactor help me get business financing?
A: Nav’s technology filters through over 100 business financing and credit card options to show you a MatchFactor percentage for each. The higher your percentage, the more likely you meet the lenders requirements based on your credit and business data.

Clover merchants get free access to our unbiased, Credit and Lending experts who can walk through all their options. Call us at 1-855-387-1314 or shoot us an email: