California loans arranged pursuant to Department of Financial Protection & Innovation Lenders License 60DBO-98588

Nav Technologies, Inc. is a financial technology company and not a bank. Banking services provided by Thread Bank, Member FDIC. The Nav Prime Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. See Cardholder Terms for additional details. All other features of the Nav Prime membership are not associated with Thread Bank.

1 There are no requirements to get Nav Prime. To get the Nav Prime Card, you are required to be an active Nav Prime member, have an approved banking application, and have a successfully linked bank account to use as repayment for your Nav Prime Card. The Nav Prime Card is currently not available in ND, SD, and NV.

2 Based on the aggregate cost of comparable individual products if purchased directly from credit bureaus, including applicable taxes.

3 Results will vary. Scores are calculated from many variables; some users may not see improved scores.

4 Second business tradeline when approved for the Nav Prime Card. The Nav Prime Card is currently not available in ND, SD, and NV.

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Get your business credit scores & reports with Nav

Unlock business and personal scores from all the major bureaus to track your progress in one place. No hard credit checks.

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Nav Prime membership tradeline

Get tradeline reporting automatically with your monthly payments.

Nav Prime Card¹

Build business credit with a second tradeline.

Detailed credit reports

Dig into your full credit details to see what lenders see.

The simpler way to monitor and build business credit

Monitor business and personal credit with 1 login

See credit changes instantly

Things happen. Get pinged when they do. Celebrate your wins, monitor for fraud, and learn how to fix errors if you need to.

Both business and personal credit are important for your business. Get the full view of your credit health with Nav Prime.

Track

$39.99

For new business owners looking to monitor credit, or established ones who want to protect it

Track with Prime

5 credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion

One tradeline to build business credit (membership payment)

/ mo

The credit platform small business owners call home

Join over 300,000 small business owners who have built business credit history and managed credit with Nav Prime.

Build

$49.99

For growing business owners looking to build business credit³ with up to two tradelines

Build with Prime

5 credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion

One tradeline to build business credit (membership payment)

/ mo

Second tradeline to build business credit (Nav Prime Card)⁴

Nav Business Checking account

Bookkeeping tools to manage cash flow and simplify taxes

Popular

Expand

$74.99

For business owners seeking one-on-one guidance from an expert to reach their next level

5 credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion

One tradeline to build business credit (membership payment)

/ mo

Second tradeline to build business credit (Nav Prime Card)⁴

Nav Business Checking account

Bookkeeping tools to manage cash flow and simplify taxes

Dedicated business credit coach

FICO SBSS score to track eligibility with 7,500+ lenders — and the SBA

Expand with Prime

The #1 recommended solution for building business credit

Enhance the tools you need to reach your business credit goals with confidence.

Activate Nav Prime

Access your full credit details

Get the inside scoop to see what lenders, clients, and partners see.

Make the right moves

Explore the key factors impacting your credit scores like payment history and outstanding balance.

See your credit progress over time

Know where you stand and celebrate the milestones that help your business grow.

Why our customers love Nav Prime

Meet the small business owners who are redefining their business journey with Nav.

“When Nav started Nav Prime, I was sold. I get two tradelines for building business credit! I’m never leaving Nav.”

Brynn K.

KING'S MOBILE DETAIL

“Nav has taken that zero-to-two year mark and said, ‘We want to build a relationship with you and see that business credit grow through Prime.’”

Ryan L.

BCK Ranch

FAQs

Why should I monitor my business credit score?

Monitoring your business credit score is essential to ensuring accuracy, detecting fraud, tracking changes, and improving your chances of securing better financing options. Regular monitoring can help you catch errors, understand credit changes, and take action to maintain or improve your creditworthiness.

What are tradelines and how do they work?

Tradelines are essentially credit lines. They include vendor accounts (like net-30s) and credit cards, and tradeline activity is the main information credit bureaus report on. Tradelines must be reported to the business credit bureaus to build business credit.

Is there a difference between business credit and personal credit?

Business and personal credit are both important in running a business. If you don’t have business credit, lenders and vendors will often rely on your personal credit scores to assess how likely you are to repay your debts.

Is there a cost for using Nav?

Nav offers both a free and a paid plan with a Nav Prime membership. The free plan provides basic credit monitoring and reports, while the Nav Prime membership offers more comprehensive monitoring, detailed reports, and enhanced insights.

How does Nav protect my information?

Nav uses strict security measures to ensure your data is safe. All shared business data, such as bank transactions and credit history, are encrypted and kept secure to maintain user privacy and data protect

Unlock your credit scores

Get free summary reports or access detailed credit reports and more with Nav Prime. Just enter your basic business details to get started.