The simpler way to build business credit and grow your business
Join over 300,000 small business owners who have built business credit history and managed credit with Nav Prime. Up to 2 tradelines reporting to major business bureaus is just the start.
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
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.
Create accountLog in
Understand your credit and finances
Credit building and business checking with 1 login
Get up to 2 tradelines submitted monthly and keep your books and transactions tidy with your Nav Business Checking account. All with Nav Prime.
Learn what actually matters for building business credit. Unlock up to 6 business and personal scores to track your total progress in one place. Plus, get cash flow trends and credit insights to guide your journey.
Track
$39.99
For new business owners looking to monitor credit, or established ones who want to protect it
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
Custom-made for small business owners who want to build business credit and manage their money without second guessing.
Build
$49.99
For growing business owners looking to build business credit³ with up to two tradelines
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
Big tools for small business
The #1 recommended solution for building business credit. Enhance the tools you need to reach your business credit goals with confidence.
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.
FAQs
Who can benefit from using Nav Prime?
Nav Prime is ideal for small business owners who want to streamline their financial management, build business credit, and secure funding. It helps both new and established businesses gain better insights into their financial health and improve their 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.
Are there requirements to use Nav Prime?
No. Get Nav Prime (with your payments reported as a tradeline) with no hard credit check and no traditional big bank barriers. It’s made to help even the smallest and newest businesses.
How does Nav Prime help improve business credit?
Your Nav Prime membership payment and purchases made on your Nav Prime Card can impact your credit scores and enhance your credit profile. Nav submits your payment activities to all major business credit bureaus every month. This helps you establish and build your business credit.
What’s the difference between a free Nav account and Nav Prime?
A free Nav account offers credit grades, which are letter grades that give you an estimate of where your credit stands, as well as basic cash flow tools. Nav Prime unlocks the best of Nav — you’ll get up to 6 detailed credit scores and reports, tradeline reporting, credit trends, automated bookkeeping tools, a business bank account, and more.
Invest in your success
Nav Prime is the only membership that helps you build, manage, and leverage your business’s credit in one place.
Detailed credit reports
Dig into your full credit details to see what lenders see.
Nav Prime Card¹
Build business credit with a second tradeline, based on your everyday business spending.
Nav Prime membership tradeline
Get tradeline reporting automatically with your monthly payments.
Nav Prime: The business growth starter pack
Get startedGet Nav PrimeActivate Nav Prime
