FUNDING READINESS

Discover key factors to help unlock funding

Learn what matters most to help improve your chances of approval for loans, credit cards, or trade credit — before you apply.

Check your funding readiness
funding readiness desktop and mobile web

GET FUNDING-READY

Nav Prime helps you find your path to business funding

Track credit, cash flow, and funding readiness in real time. With select plans, build business credit and get 1-on-1 support to help improve your eligibility.

Free

$0

/ mo

For businesses seeking a general idea of their funding readiness and approval odds

Sign up for free

Free features

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    Basic funding readiness summary for loans, credit cards, and trade credit

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    Basic business credit range and high level data from the major bureaus

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    1 personal credit score and report from Experian

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    Basic cash flow tracking across unlimited accounts

Unlock powerful tools with a Nav Prime membership. Credit reports would cost you 4x more elsewhere.¹

Track

$39.99

/ mo

For businesses who want to understand and monitor their current funding readiness

Join Nav Prime

Enhanced features with Track

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    Funding readiness assessment for loans, credit cards, and trade credit

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    Business credit scores, reports, and alerts from the major bureaus

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    2 personal credit scores and reports from Experian and TransUnion

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    Exclusive discounts on fees from Nav’s trusted lending partner2

Build

Popular

$49.99

/ mo

For businesses looking to build business credit to help improve their funding readiness

Join Nav Prime

Enhanced features with Build

  • editor_choice

    Tradeline to build business credit3 (membership payment)

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    Funding readiness assessment for loans, credit cards, and trade credit

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    Bookkeeping tools to manage cash flow and simplify tax prep

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

Expand

$74.99

/ mo

For businesses who want 1-on-1 guidance to help maximize their funding readiness

Join Nav Prime

Enhanced features with Expand

  • editor_choice

    Tradeline to build business credit,3 plus Business Credit Coaching

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    Monthly coaching to break down your action plan for funding readiness

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    FICO SBSS score to track eligibility with 7,500+ lenders

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

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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.

Funding Readiness assessments are based on aggregated approval patterns across Nav's lending marketplace and on information from your business profile and third-party data sources, which may be incomplete or not fully up to date. The assessment does not reflect any individual lender's criteria. Actual eligibility depends on each lender's underwriting process, which may consider additional factors not shown in the assessment. Assessments are provided for informational purposes only and do not constitute a credit decision, underwriting assessment, or pre-approval, and are not a guarantee of funding, rates, or terms.

1

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.

2

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.

3

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

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.

5

Testimonials represent individual experiences. Results may vary based on personal circumstances, effort, and market conditions. Nav provides tools and guidance but does not guarantee specific business outcomes or credit improvements. No direct financial advice is provided through our coaching services.