Build business credit to help you unlock growth

Nav Prime is ideal for small business owners who want to streamline their financial management, build business credit, and explore funding opportunities. It helps both new and established businesses gain better insights into their financial health and improve their creditworthiness.

It takes time to build credit. Some people see results in as little as a few months. Typically, though, you’ll need to keep Nav Prime for one year and practice good credit habits on your other tradelines (like paying on time). Longer credit age helps you look more reliable to potential partners, so sticking with Nav Prime can only help you.

Your Nav Prime membership payment can impact your credit scores and enhance your credit profile. For Build and Expand plans, Nav submits your membership payments as a business tradeline to the major business credit bureaus. This helps you establish and build business credit.

No. Nav Prime is a membership that provides access to credit and cash flow tools. With select Nav Prime plans, we submit your monthly membership payments as a tradeline to the major business credit bureaus, which can help improve your business credit history. 

Nav provides access to partner offerings and Nav Loans powered by Fundbox.² Nav does not lend money directly or guarantee approvals for loans, lines of credit, or credit cards available from our partners.

Signing up for a free Nav account gives you a general view of your business credit standings (not scores), one personal credit score from Experian, and basic alerts to certain changes in your credit profile.

Joining Nav Prime unlocks detailed credit reports (including exact scores and key factors) alongside additional tools to support your business. Depending on your plan (Track, Build, or Expand), you can get:

• a comprehensive view of your business and personal credit (all plans)
• cash flow and bookkeeping tools to help manage your money and simplify tax prep (Build and Expand plans)
• a tradeline submitted to all major business bureaus to help you build business credit (Build and Expand plans)
• 1-on-1 Business Credit Coaching to help identify the right next steps on your business journey (Expand plans only)

The Track plan is meant for new or established businesses looking to monitor credit. It includes: 

• Business credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion
• 2 personal credit scores and reports from Experian and TransUnion
• Exclusive discounts on fees from Nav’s trusted lending partner²

The Build plan is meant for growing businesses looking to build business credit. It includes everything on the Track plan, plus: 

• A tradeline to build business credit (from your membership payments)
• Bookkeeping tools to manage cash flow and simplify tax prep

The Expand plan is meant for businesses who need 1-on-1 guidance. It includes everything on the Build plan, plus: 

• Monthly access to 1-on-1 guidance from a business credit coach
• Access to your FICO SBSS score to track eligibility with 7,500+ lenders

Coming soon: Prime members on the Build and Expand plans will have the opportunity to apply for a second tradeline and earn cash rewards for business purchases with the Nav Credit Builder Card. Learn more and join the waitlist here.

With the Nav Prime version of Credit Health, you get real-time alerts to changes in your credit profile and deeper insights to help you act on what may be holding you back from potential funding options. 

Yes. If approved for a line of credit from Nav’s trusted lending partner, Prime members can get a 1% discount on fees when making a draw through their Nav account.

A tradeline is a credit account between a business and vendor. Tradelines can help build your business credit history and may have easier approval than small business loans or credit cards. With select Nav Prime plans, we submit your monthly membership payment to the business credit bureaus as a tradeline. Learn more about tradelines here.

For Build and Expand plans, Nav submits your Nav Prime membership payments as a tradeline to the major business credit bureaus (Experian, Equifax, and Dun & Bradstreet) each month. It can take between 14 to 45 business days, sometimes longer, for the bureaus to add your information to their reports. 

Note that your membership tradeline may show up as “business services” in your business credit report, not as “Nav.”

Typically, credit reports are updated every 30 days.

It takes time to build credit. Some people see results in as little as a few months. Typically, though, you’ll need to keep Nav Prime for one year and practice good credit habits on your other tradelines (like paying on time). Longer credit age helps you look more reliable to potential partners, so sticking with Nav Prime can only help you.

You can upgrade, downgrade, or cancel your Nav Prime membership at any time.

No. Canceling your Nav Prime membership does not automatically lower your business credit score. Your past payment history remains on your report. However, because credit scores consider multiple factors — including active tradelines — the impact can vary.

For Nav Prime members on the Expand plan, Business Credit Coaching translates your credit and cash flow insights into a clear plan to help you prepare for funding opportunities — tailored to your business. You’ll meet 1-on-1 with a dedicated coach to learn the basics of business credit, review your reports, and get a personalized roadmap based on your business goals. Monthly check-ins help you stay accountable and get funding-ready.

Nav pulls credit information directly from the credit bureaus. If there’s anything incorrect on your report, reach out to the bureau directly to dispute the information.

Get details on how to file a dispute with each of the three commercial credit bureaus here:

• Experian
• Equifax
• Dun & Bradstreet

Learn more about how to dispute incorrect information.

Yes. With the Nav mobile app you can access your free or Nav Prime account benefits on the go. The Nav app lets you:

• Track your business and personal credit 
• Get alerts about changes to your credit 
• Get a simplified view of your cash flow 
• Explore potential financing options

You can download the app from the App Store or Google Play Store.