Nav
Nav is a financial health platform for U.S. small businesses that aggregates business credit data from all four major bureaus into a single dashboard and operates a marketplace connecting 2.7M+ SMBs to 25+ lending partners, monetizing through Nav Prime subscriptions and marketplace referral fees.
- Company typePrivate
- Founded2012
- HeadquartersDraper, United States
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What Nav does
Nav is a financial health and business credit platform serving U.S. small businesses, founded in 2012 and headquartered in San Mateo, California, with 251-500 employees. The company aggregates business credit data from all four major U.S. bureaus (Dun & Bradstreet, Experian, Equifax, and TransUnion) alongside personal credit into a single dashboard, enabling SMB owners to monitor, build, and understand their credit profiles. Nav Prime, the company's core subscription product, offers three tiers priced at $39.99, $49.99, and $74.99 per month, with features including multi-bureau credit reports, tradeline reporting, bookkeeping tools, credit coaching, and FICO SBSS score tracking. The platform also operates a financing marketplace connecting 2.7M+ registered users to 25+ lending partners offering SBA loans, term loans, lines of credit, equipment financing, and business credit cards, generating referral and lead fees on successful originations.
Nav's revenue model combines recurring subscription fees from Nav Prime, marketplace referral fees from lending partners (Fundbox, OnDeck, SmartBiz, Kapitus, Credibly, Found), and interchange revenue from the Nav Credit Builder Card (issued by Column N.A., powered by Marqeta, serviced by Parafin). The company has expanded beyond credit monitoring into adjacent product lines including a Payment Terms Program pilot for B2B trade credit and a forthcoming Parafin Spend Card, supported by a $5 million strategic investment from National Bank Holdings Corporation in July 2025. Nav has raised approximately $110M+ in total funding from investors including Goldman Sachs Growth Equity, Kleiner Perkins, Experian, Point72 Ventures, and Tencent, and has executed acquisitions of Tillful (2023) and Nuula's assets (2023) to bolster its financial health scoring capabilities.
Nav firmographics
Firmographics- Name
- Nav
- Legal name
- Nav Technologies, Inc.
- Website
- https://nav.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Nav is a financial health platform for U.S. small businesses that aggregates business credit data from all four major bureaus into a single dashboard and operates a marketplace connecting 2.7M+ SMBs to 25+ lending partners, monetizing through Nav Prime subscriptions and marketplace referral fees.
- Ownership category
- akta.pro rank
Where Nav is headquartered
LocationHeadquarters
- HQ city
- Draper
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Nav business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Nav Prime Subscription Plans: Three-tier monthly subscription model: Track at $39.99/mo, Build at $49.99/mo, and Expand at $74.99/mo. Annual billing available with 20% discount. Plans include access to business credit scores and reports from multiple bureaus, with higher tiers adding tradelines, bookkeeping tools, and business credit coaching.
- Marketplace Referral and Lead Fees: Nav's marketplace generates referral fees from lending partners when users apply for and receive financing products. The platform lists 23+ loan products and 70+ funding options, earning compensation from partners for successful loan originations and applications.
- Nav Credit Builder Card Interchange: The Nav Credit Builder Card, issued by Column N.A. and powered by Marqeta with Parafin as servicer, generates interchange revenue on card transactions. Revenue is shared between Nav and its banking/infrastructure partners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Track plan for businesses monitoring credit — $39.99/month or $319.92/year |
| Subscription | Monthly | Build plan for growing businesses building credit with tradeline — $49.99/month or $399.92/year |
| Subscription | Monthly | Expand plan for businesses seeking 1-on-1 guidance — $74.99/month or $599.92/year |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Nav product offering
Product offeringCore offering
Nav is a credit and financial health platform for small businesses that aggregates business and personal credit data from all four major U.S. credit bureaus (D&B, Experian, Equifax, TransUnion) into a single dashboard. Its core paid offering, Nav Prime, is a tiered subscription membership (Track, Build, Expand) providing credit monitoring, tradeline reporting, bookkeeping, and FICO SBSS scoring. Nav also operates a financing marketplace that matches small business owners to 25+ lending partners and 70+ funding options including SBA loans, term loans, lines of credit, and the proprietary Nav Credit Builder Card.
Product overview
Nav is a financial health platform for small businesses offering a suite of integrated products centered on business credit monitoring and financing access. The core product is Nav Prime, a subscription membership with three tiers (Track, Build, and Expand) that provides business credit monitoring across all three major bureaus (D&B, Experian, Equifax, and TransUnion), tradeline access for credit building, bookkeeping tools, and FICO SBSS score tracking. The platform also includes a Financing Marketplace that matches small business owners to 25+ lending partners offering loans, lines of credit, and other financing products. Additional offerings include the Nav Credit Builder Card (a Visa business card issued by Column N.A. that reports to business credit bureaus), cash flow tracking tools, and the Main Street Makers podcast series for small business owner education.
Differentiator
Problem solved
Functional benefit
Brands
- Nav Prime: Premium membership subscription service offering credit monitoring, tradelines, and business credit building tools with plans ranging from $39.99 to $74.99 per month.
- Nav Credit Builder Card
- Payment Terms Program
- Main Street Makers
Products and services
- Nav Prime Nav Prime is a subscription membership providing business credit monitoring across D&B, Experian, Equifax, and TransUnion, tradeline reporting, bookkeeping tools, FICO SBSS score tracking across 7,500+ lenders, and 1-on-1 business credit coaching. It is designed for new, growing, and established small business owners who want to monitor and build business credit affordably in a single dashboard.
- Financing Marketplace A digital marketplace that matches small business owners to financing products from 25+ lending partners based on credit profile, time in business, revenue, and funding goals. It offers pre-qualification tools and provides access to over 160 financing options including SBA loans, term loans, lines of credit, and business credit cards. Nav earns referral fees from lending partners on originated financings.
- Credit Health Dashboard Credit Health enables small business owners to track their business and personal credit scores side by side in one dashboard, view the factors impacting credit, and receive real-time alerts. Free tier offers general credit standing; Nav Prime unlocks exact scores and detailed reports.
- Nav Credit Builder Card A business credit card designed to report payment history to business credit bureaus to support business credit building without affecting personal consumer credit profiles. Issued by Column N.A., powered by Marqeta, with Parafin as servicer; operates on the Visa payment network.
- Cash Flow Tracking A cash flow tracking feature providing small business owners with a financial health snapshot, including balance tracking, income monitoring, and spending insights to support business financial management.
Quantifiable outcome
- 26-point average business credit score increase across Equifax, Experian, and Dun & Bradstreet after 3 months as a Nav Prime member
- +2 more outcomes
Companies that use Nav
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
Nav technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Nav partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered minor, core and major.
- Payment Terms Program (Internal Ecosystem)minorNav launched a Payment Terms Program pilot enabling small business owners to extend trade credit (net-30 payment terms) to their peers. The program leverages Nav's data infrastructure to verify creditworthiness and streamlines the process of providing net-30 terms, expanding Nav's services beyond business credit monitoring.
- 2UniFicore2UniFi was integrated into Nav's small business marketplace for deposit and lending solutions as part of a partnership supported by National Bank Holdings Corporation's $5 million investment in Nav. The partnership leveraged Nav's credit and financial health insights to enhance financial tools for small businesses.
- TillfulcoreNav acquired Tillful, a fintech startup based in San Francisco, California. The deal enhanced Nav's financial health scoring capabilities and included the integration of Tillful's employees, including CEO Ken So, into the Nav team. This acquisition strengthened Nav's ability to provide credit health services to small businesses.
- NuulacoreNav acquired Nuula's assets to enhance its financial health app for small businesses in the US. The acquisition aimed to provide more transparent financing options and streamline access to credit, supporting Nav's growth in small business financial solutions amid an economic downturn affecting traditional lenders.
- FundboxcoreFundbox is a lending partner on Nav's marketplace, providing small business loans and lines of credit. Nav Prime members receive a 1% discount on fees when making draws through their Nav account via Fundbox. Loans and lines of credit are made available by Fundbox or its bank partners, First Electronic Bank and Lead Bank.
- ParafincoreParafin is the servicer of the Nav Credit Builder Cards. Parafin and Nav Technologies are financial technology companies, not banks. Nav Credit Builder Cards are issued by Column N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc., and are powered by Marqeta. Nav is launching the Parafin Spend Card as an early partner.
- Column N.A.coreColumn N.A. is the issuing bank for Nav Credit Builder Cards (Member FDIC). Cards are issued pursuant to a license from Visa U.S.A. Inc. Column N.A. also provides infrastructure for the Parafin Spend Card product that Nav is launching.
- MarqetacoreMarqeta powers the Nav Credit Builder Card's underlying card infrastructure, providing the card issuing and processing platform for Nav's business credit building card product.
- OnDeckmajorOnDeck is a lending partner on Nav's marketplace offering lines of credit ($6,000–$200,000) and term loans ($5,000–$400,000) to small businesses. OnDeck is the largest online lending company and has funded 185K+ businesses since 2006.
- SmartBizmajorSmartBiz is an SBA loan partner on Nav's marketplace, offering SBA loans ($30,000–$500,000) with APRs as low as 11.25% and monthly repayment plans up to 10 years.
- KapitusmajorKapitus is an intermediate-term loan partner on Nav's marketplace, offering loans ($20,000–$5,000,000) with repayment terms of 2–6 years for established businesses, including specialty loan programs for medical practices.
- CrediblymajorCredibly is a short-term loan partner on Nav's marketplace, offering loans ($5,000–$600,000) with funding available in as little as 4 hours, with repayment terms of 6 to 15 months.
- Found (Lead Bank)majorFound, backed by Lead Bank (Member FDIC), is an online business checking account partner featured in Nav's marketplace. Found offers no minimum balance business checking with built-in tax and bookkeeping tools. Banking services are provided by Lead Bank.
- Visa U.S.A. Inc.coreVisa U.S.A. Inc. licenses its card network to Column N.A. for the issuance of Nav Credit Builder Cards. The Nav Credit Builder Card operates on the Visa payment network and is also part of the broader Parafin Spend Card ecosystem.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Nav competitors and assessment
Company assessmentBroad incumbents
- Credit Karma (Intuit): Intuit-owned consumer credit-monitoring platform that has expanded into SMB credit and tax products. Closest large-scale comp to Nav's free-plus-premium credit dashboard model, though its SMB offering is less specialized than Nav's.
- Dun & Bradstreet: One of the primary business credit bureaus whose data Nav aggregates. Operates its own SMB credit monitoring, marketing, and lending products (D&B Credibility, D&B Hoovers), making it both a critical data supplier and a competitor.
- Experian (Consumer / Business): Global credit bureau that supplies data to Nav and is also an investor. Operates direct-to-consumer and direct-to-business credit monitoring products (Experian Boost, Business CreditReports), overlapping with Nav's core dashboard.
Direct peers
- LendingTree: Online loan marketplace connecting consumers and SMBs with multiple lenders across personal, business, and mortgage products. Direct comp to Nav's financing marketplace model with similar referral-fee economics and lender-matching flow.
- Lendio: SMB loan marketplace that aggregates SBA loans, term loans, lines of credit, and equipment financing from a network of lenders. Highly comparable to Nav's marketplace product and customer base (U.S. small businesses seeking financing).
- Fundera (a NerdWallet company): SMB-focused loan marketplace originally independent and now owned by NerdWallet. Matches small businesses to lending products and competes directly with Nav for the same fintech-aware SMB borrower.
- NerdWallet: Personal finance comparison platform that has aggressively expanded into SMB credit cards, loans, and banking products. Overlaps with Nav across SMB credit education, monitoring, and lender matching.
- OnDeck (Enova): Online SMB lender offering lines of credit and term loans and a Nav marketplace partner. Direct competitor for SMB loan originations and a working example of how Nav's marketplace customers also serve as competing direct lenders.
Emerging players
- Brex: SMB-focused corporate card and banking platform that has expanded into credit building, expense management, and lending. Comparable business model in serving SMBs with embedded finance, though Brex is card-first versus Nav's monitoring-first approach.
- Ramp: SMB-focused corporate card and spend management platform. Adjacent competitor for Nav's SMB wallet share and increasingly overlapping on credit-building features for small businesses.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Nav social profiles
Digital presenceNav financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nav leadership team
Management profileNumber of profiles
Profiles9 records
Nav subsidiaries and ownership
Company hierarchySubsidiaries2 records
Nav funding detail
Funding detailFunding overview
Funding rounds11 records
Investors20 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nav M&A and investment
M&A and investmentM&A3 records
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Nav
What does Nav do?
Nav is a credit and financial health platform for small businesses that aggregates business and personal credit data from all four major U.S. credit bureaus (D&B, Experian, Equifax, TransUnion) into a single dashboard. Its core paid offering, Nav Prime, is a tiered subscription membership (Track, Build, Expand) providing credit monitoring, tradeline reporting, bookkeeping, and FICO SBSS scoring. Nav also operates a financing marketplace that matches small business owners to 25+ lending partners and 70+ funding options including SBA loans, term loans, lines of credit, and the proprietary Nav Credit Builder Card.
Is Nav a public or private company?
Nav is a private company. It is classified as venture growth investor backed and is currently operating.
When was Nav founded?
Nav was founded in 2012. It employs 251 to 500 people.
Where is Nav based?
Nav is headquartered in Draper, United States, in the North America region.
How does Nav make money?
Three revenue lines are on record. Nav Prime Subscription Plans are the primary driver. The others are marketplace Referral and Lead Fees and nav Credit Builder Card Interchange.
Who are Nav's main competitors?
Broad incumbents on record are Credit Karma (Intuit), Dun & Bradstreet and Experian (Consumer / Business). Direct peers are LendingTree, Lendio, Fundera (a NerdWallet company), NerdWallet and OnDeck (Enova). Emerging players are Brex and Ramp.
Does Nav have an API?
No public API is recorded for Nav.