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Nav Prime: Complete Business Credit Solution
Build financial health and improve access to funding through credit-building and cash management
Nav Prime: Complete Business Credit Solution
A bundled solution of tools that helps small business owners build financial health and improve access to funding through credit-building and cash management.
Nav Prime Card: Credit Building Without Barriers
No Credit Check Required
The only commercial credit-building charge card with no personal guarantee and no security deposit
Double Tradeline Opportunities
Doubles the amount of tradelines Nav could previously offer to build business credit history
Everyday Credit Building
Turn everyday business purchases into credit building opportunities automatically
Detailed Credit Reports: Complete Financial Visibility
Comprehensive Coverage
Access up to 6 business and personal credit reports and scores, saving thousands of dollars annually compared to going directly to bureaus. Learn more
Lender Perspective
See all the data that lenders, credit issuers, and potential business partners actually see on your business. Learn more
Impact Tracking
Monitor the direct impact of your credit building efforts with detailed reporting and analysis. Learn more
Two Tradelines for Maximum Credit Impact
50%
Potential business credit score increase in first 3 months
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Automatic reporting opportunities from Nav Prime payments and card activity
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Reported to all major credit bureaus automatically each month

Based on aggregate data tracking Experian Intelliscore Plus business credit scores after three months of having Nav tradeline reporting. Results will vary. Scores are calculated from many variables; some users may not see improved scores.
Business Credit Fundamentals
Payment History
Most important factor in credit scoring
Public Records
UCC filings, tax liens, judgments, collections
Credit Age & Usage
History length, debt balances, utilization
Industry & Size
Business risk factors and company scale
Learn more about business credit fundamentals.i
Comprehensive Credit Report Access
Business Credit Reports
  • PAYDEX score
  • Equifax Business Delinquency Risk score
  • Experian Intelliscore Plus
  • FICO SBSS score for SBA loans
Personal Credit Reports
  • Experian VantageScore 3.0
  • TransUnion VantageScore 3.0
  • Identity theft protection
  • Lost wallet replacement
Nav is the only place to provide both personal and business detailed credit data from 6 reports, available anytime on the Nav mobile app. Try it now!

Tradeline Reporting Benefits
Strong tradeline history provides lenders with clearer picture for loan assessments and vendor agreements
On-time payments demonstrate reliability and can result in new financial relationships
Improved credit scores give you negotiating power on interest rates and terms
Monthly payments instead of annual allow you to hold more cash while building credit
Solving Time and Efficiency Challenges
Understanding Credit Impact on Capital Access
Transparency
See what lenders are looking for and know what you need to do next to access capital for your business. Learn more
Personalization
Get personalized insights on how business and personal credit impact your funding options. Learn more
Empowerment
Connect to new options available for your business, no matter where your business currently stands. Learn more
Your Path to Better Business Credit
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