Learn how lenders evaluate your business. Nav combines your business and personal credit, cash flow, and other key factors into a clear picture of your potential funding eligibility, with personalized guidance to help you improve.
Get basic tools for free, or unlock more powerful support with Nav Prime. Features vary by plan.
Know where you stand
• Track your business credit with Experian, Dun & Bradstreet, Equifax, and FICO SBSS
• Track your personal credit with Experian and TransUnion
• See the factors that impact your credit and take control with real-time alerts
• Avoid negative balance surprises with cash flow forecasting
• Sort transactions automatically for simpler bookkeeping
• Export detailed financial statements to help with tax prep
Get clear next steps
• Check your funding readiness assessment to learn what matters most to work toward approval for loans, credit cards, or trade credit — before you apply
• Prioritize the right next steps for your business with intelligent recommendations powered by your credit, cash flow, and business data
• Unlock 1-on-1 support with a dedicated business credit coach with the Nav Prime Expand plan
Move with confidence
• Unlock a business credit-building tradeline that reports to all major business bureaus
• Get matched with net-30+, lending, and credit card picks that update automatically as your profile changes, across our network of 160+ options
• Use our cohort analysis to track your eligibility compared to other businesses like yours that were approved.
Nav has given 2.7 million business owners the insights they need to build and grow.
DISCLAIMERS
**Nav Technologies, Inc. is a financial technology company, not a bank**
**Credit building**
Credit building results vary. Scores are calculated based on multiple factors, and some users may not see improved scores.
**Credit-building tradeline**
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.
**Funding Readiness assessment**
Funding Readiness assessments are based on your business information, third-party data, and aggregated marketplace approval patterns. They are for informational purposes only, do not reflect any individual lender's criteria, and are not a credit decision, pre-approval, or guarantee of funding, rates, or terms.
**Privacy**
Your privacy is important to us, and we do not allow third parties to collect personally identifiable information without your permission. Read more at https://www.nav.com/privacy/
**Data security**
We take your online security seriously, which is why we use Plaid to connect your bank and other accounts. Plaid has bank-level encryption.
**Your curated funding options**
Credit card and funding options shown in your Nav account are from our network of partner providers. Offers range from credit cards to lines of credit, merchant cash advances, and loans. We match offers based on information you provide in your business profile, including your time in business, cash flow, and annual revenue.
I have been using Nav for a while now, and it has completely transformed how I handle my business finances and credit profile. Before finding this app, I found business credit scores to be incredibly opaque and difficult to track. Nav brings everything into a single, clear dashboard that makes it easy to see exactly where I stand with the major bureaus like Experian, Equifax, and Dun & Bradstreet.The Business Credit Builder feature specifically is worth every penny. It effectively turns my monthly payment into a tradeline that reports to the bureaus, which has helped me establish a solid payment history without taking on unnecessary debt. I have watched my scores steadily climb since I started, which is incredibly satisfying and vital for my future funding goals.The app interface itself is intuitive and fast. I appreciate that it breaks down the specific factors affecting my scores so I know exactly what areas to work on. It also matches me with financing offers that actually fit my current profile, saving me a lot of time on research. If you are serious about building your business credit and want a transparent, easy tool to help you get there, I highly recommend Nav. It has become an essential part of my weekly business routine.
Could be better
Bobby The General
The Nav app could definitely be better. I’ve found minor bugs like when you’re filling out the verification forms to have your business attached to your account, sometimes it doesn’t go through and you have to try multiple times or call the customer care number, and that goes for the personal credit monitoring form as well. Also, the number on the app for support/contact is wrong and now belongs to a different organization, that was very weird when I discovered it. Lastly, it is also sad that the basic account only lets you have one business per profile and doesn’t let you follow/monitor any additional businesses. I do not think that should be a paid feature. Asides that, the app is decent and useful in suggesting how you can boost and grow your business credit.
Great app for helping you build personal and business credit
Lrayford
Just a great app. A all in once place to help you track and build your credit. Matched me with a business credit card that I was happening to get offers in the mail from anyway (so their matching obviously works) I gave it a try by licking the link through the app and got my first unsecured business credit card for my small business. of course it wasn’t because NAV actually sent me to the card that got me approved and it was a combination of my business and personal credit but never put it all right in front of me to go get it! Love this app
Nav made my path easier
1 man trash 1man treasure
I was having a very hard time trying to start my own business which I’m just 4 months in legally. I have clientele I’ve had for many years and so I stepped out on faith to become a business owner. Nav has been the best part of this journey as I have went from 0 buds score to a 95 in 2 months. So I say all that to say? make Nav your 1st stop when starting out it’s basically a 10 in 1 app. checking charge card, trade lines and reporting those trade lines to the 3 credit bureaus. Some mistakes I’m trying to correct so take it from me. Let NAV PRIME BE YOUR 1st step on the ladder to success
Bug fixes.
Version 7.9.0
The developer, Nav Technologies, Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Contacts
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Nav Technologies, Inc
Size
152.8 MB
Category
Finance
Compatibility
Requires iOS 15.0 or later.
iPhone Requires iOS 15.0 or later.
iPod touch Requires iOS 15.0 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
