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

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

    • Basic business credit ranges from D&B, Creditsafe, Experian, and Equifax

    • 1 personal credit score from Experian

    • Basic funding readiness snapshot

  • Track

    $39.99

    / mo

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

    Join Nav Prime

    • Prime membership tradeline to build business credit2

    • 7 credit scores and report data from D&B, Creditsafe, Experian, Equifax, and TransUnion

    • Funding readiness assessment

    • Exclusive lending partner discounts3

  • Build

    Popular

    $49.99

    / mo

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

    Join Nav Prime

    • Prime membership tradeline to build business credit2

    • Nav Credit Builder Card4 to build business credit and earn rewards5 (in beta, not included at signup)

    • 7 credit scores and report data from D&B, Creditsafe, Experian, Equifax, and TransUnion

    • Funding readiness assessment

    • Automated bookkeeping tools

    • Exclusive lending partner discounts3

  • Expand

    $74.99

    / mo

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

    Join Nav Prime

    • 1-on-1 monthly business credit coaching to help you get closer to your funding goals

    • Prime membership tradeline2

    • Nav Credit Builder Card4 (in beta, not included at signup)

    • FICO® SBSS℠ Score: Track eligibility with 7,500+ lenders

    • 8 credit scores and report data from D&B, Creditsafe, Experian, Equifax, TransUnion, and FICO® SBSS℠

    • Funding readiness assessment

    • Automated bookkeeping tools

    • Exclusive lending partner discounts3

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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

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.

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.

5

Card purchases may be eligible for cashback. See the Rewards Agreement for more information.

6

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.