Tillful
Tillful, operating as Nav, is a San Francisco-based SMB fintech that aggregates business credit data from Experian, Equifax, Dun & Bradstreet, and FICO SBSS into a tiered subscription platform offering credit monitoring, funding readiness assessment, cash flow tracking, and tradeline-based credit building for U.S. small businesses.
- Company typePrivate
- Founded2020
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Tillful does
Tillful is a U.S.-based SMB fintech, founded in 2020 and headquartered in San Francisco, that operates the Nav platform to modernize how small businesses access and build business credit. The company aggregates business credit data from Experian, Equifax, Dun & Bradstreet, and FICO SBSS, alongside personal credit data from Experian and TransUnion, into a single SMB-facing interface that delivers real-time credit monitoring, funding readiness assessment, and cash flow tracking across unlimited connected business accounts.
The core product, Nav Prime, is a tiered subscription offering priced at $0 (Free), $39.99/month (Track), $49.99/month (Build), and $74.99/month (Expand), with annual billing offering a 20% discount. Higher tiers unlock tradeline credit-building tools, bookkeeping functionality, 1-on-1 business credit coaching, monthly coaching sessions, and FICO SBSS-based eligibility tracking against 7,500+ lenders. An add-on Nav Credit Builder Card — issued by Column N.A., serviced by Parafin, and powered by Marqeta — extends the platform into proprietary credit-building financial products that report monthly payment history to business bureaus.
Tillful/Nav monetizes through subscription recurring revenue from Nav Prime tiers and through affiliate/referral fees from lending partners including Fundbox, First Electronic Bank, and Lead Bank, where Prime members receive a 1% fee discount on draws. Go-to-market is primarily product-led growth via self-serve registration through app.nav.com and mobile apps, supported by content marketing, SEO, customer testimonials, and bottom-of-funnel partner referrals. The platform claims 2.7M+ small business users, a 26-point average business credit score increase across Equifax, Experian, and D&B after three months as a Prime subscriber, and $76M+ in partner-financed volume facilitated in 2025.
Tillful firmographics
Firmographics- Name
- Tillful
- Website
- https://tillful.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Tillful, operating as Nav, is a San Francisco-based SMB fintech that aggregates business credit data from Experian, Equifax, Dun & Bradstreet, and FICO SBSS into a tiered subscription platform offering credit monitoring, funding readiness assessment, cash flow tracking, and tradeline-based credit building for U.S. small businesses.
- Ownership category
- akta.pro rank
Tillful industry classification
Industry- Product category
- Business Credit Monitoring & Financial Management SaaS
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Bureaus (561450)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Loan Brokers (6163)
- akta.pro primary industry
- SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)
- akta.pro secondary industries
- SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL), P2P Small Business / SME Marketplace Lending (FSAKAHAC)
Keywords
Where Tillful is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Markets served
Tillful business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Subscription Revenue: Tiered subscription model with four levels: Free (basic features), Track ($39.99/month), Build ($49.99/month), and Expand ($74.99/month). Higher tiers unlock tradelines, coaching, and financing discounts.
- Partner Financing Facilitation: Nav facilitates access to financing products through partners like Fundbox, First Electronic Bank, and Lead Bank. Earns referral/affiliate fees and receives 1% discount on fees for Prime members making draws.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier for businesses seeking general funding readiness overview |
| Subscription | Monthly | Track tier for understanding and monitoring funding readiness |
| Subscription | Monthly | Build tier for businesses building credit to improve funding readiness |
| Subscription | Monthly | Expand tier with 1-on-1 guidance for maximizing funding readiness |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Tillful product offering
Product offeringCore offering
Tillful operates a subscription-based business financial health platform that aggregates credit data from Experian, Equifax, Dun & Bradstreet, and FICO SBSS into a single dashboard for small businesses. It provides real-time credit monitoring, cash flow tracking across unlimited business accounts, funding readiness assessments, and a tradeline-reporting credit builder card to help SMBs build business credit and qualify for partner financing.
Product overview
Nav offers a unified platform for small business financial health with a tiered subscription model called Nav Prime (Free, Track, Build, and Expand tiers at $0, $39.99, $49.99, and $74.99/month respectively). The platform integrates Credit Health for credit monitoring from Experian, Equifax, and Dun & Bradstreet; Cash Flow for financial tracking and bookkeeping; and Funding Readiness tools including FICO SBSS scoring. Optional add-ons include the Nav Credit Builder Card (for tradeline reporting) and Business Credit Coaching (for personalized guidance). The ecosystem connects small businesses to lending partners like Fundbox and provides access to financing through the marketplace.
Differentiator
Problem solved
Functional benefit
Products and services
- Nav Prime
Quantifiable outcome
- Average 26-point increase in business credit scores across Equifax, Experian, and Dun & Bradstreet after 3 months as Nav Prime member
- +2 more outcomes
Companies that use Tillful
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
Tillful technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Tillful partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- ExperiancoreBusiness credit bureau providing credit scores, reports, and data to Nav platform. Nav displays Experian Intelliscore Plus and integrates personal credit data from Experian.
- EquifaxcoreBusiness credit bureau providing credit scores and reports to Nav platform. Equifax data integrated into Nav's credit monitoring and funding readiness assessment.
- Dun & BradstreetcoreBusiness credit bureau providing credit scores (PAYDEX) and reports to Nav platform. Dun & Bradstreet data feeds Nav's comprehensive credit monitoring.
- TransUnioncorePersonal credit bureau providing credit scores and reports to Nav platform. TransUnion personal credit data included in Track tier and above.
Scale indicators5 records
Recent moves1 record
Expansion highlights5 records
Tillful competitors and assessment
Company assessmentDirect peers
- Nav: Nav operates an SMB credit monitoring and funding readiness platform with tiered subscriptions aggregating Experian, Equifax, D&B, and FICO SBSS data—virtually identical to the subject company's described offering and the most direct comparable.
- Fundera: Fundera is an SMB lending marketplace that matches small businesses with bank and alternative lenders, with a credit-readiness layer; it competes head-on for SMB funding access monetization.
- Lendio: Lendio operates an SMB loan marketplace aggregating multiple lenders (similar lender breadth to the subject's 7,500+ lender coverage) and competes for the same SMB funding readiness and application flow.
- Biz2Credit: Biz2Credit is an SMB lending platform and credit scoring provider using its own BizScore, offering both credit assessment and lender matching to small businesses.
Broad incumbents
- Credit Karma: Credit Karma pioneered freemium consumer credit monitoring with bureau aggregation and lender matching; its SMB-facing products and scale make it the broadest incumbent analog for SMB credit and funding marketplace mechanics.
- Dun & Bradstreet: Dun & Bradstreet supplies the PAYDEX score and business credit data that the subject company aggregates; it competes as a broader incumbent with its own SMB credit monitoring and analytics suite.
- Experian Business: Experian provides Intelliscore Plus and SMB credit reports that the subject company resurfaces; Experian's direct SMB-facing products are a natural comparator as a bureau-incumbent.
Emerging players
- CreditSafe: CreditSafe provides business credit reports and monitoring globally; it overlaps with the subject's bureau-aggregation value prop and serves a similar SMB-to-mid-market customer base.
- Hello Alice: Hello Alice supports small business credit building, funding matching, and education, with a similar SMB-credit-and-funding value proposition.
Others
- Foundr / Kukun (SMB data & credit): Foundr-style SMB credit and funding readiness platforms overlap thematically with the subject's freemium SMB credit and funding education funnel; included as an adjacent emerging player.
Market position
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Tillful social profiles
Digital presenceTillful financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tillful leadership team
Management profileNumber of profiles
Profiles3 records
Tillful funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tillful M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tillful
What does Tillful do?
Tillful operates a subscription-based business financial health platform that aggregates credit data from Experian, Equifax, Dun & Bradstreet, and FICO SBSS into a single dashboard for small businesses. It provides real-time credit monitoring, cash flow tracking across unlimited business accounts, funding readiness assessments, and a tradeline-reporting credit builder card to help SMBs build business credit and qualify for partner financing.
Is Tillful a public or private company?
Tillful is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Tillful founded?
Tillful was founded in 2020. It employs 11 to 50 people.
Where is Tillful based?
Tillful is headquartered in San Francisco, United States, in the North America region.
How does Tillful make money?
Two revenue lines are on record. Subscription Revenue is the primary driver. The others are partner Financing Facilitation.
Who are Tillful's main competitors?
Direct peers on record are Nav, Fundera, Lendio and Biz2Credit. Broad incumbents are Credit Karma, Dun & Bradstreet and Experian Business. Emerging players are CreditSafe and Hello Alice. Foundr / Kukun (SMB data & credit) is listed as an others.
Does Tillful have an API?
No public API is recorded for Tillful.
What industry is Tillful in?
Tillful's product category is Business Credit Monitoring & Financial Management SaaS. Its primary akta.pro industry code is FSAKAGAJ, SME Lending Platforms & Embedded SME Credit, with a secondary code of FSAKAGAL, SME Credit Underwriting, Scoring & Risk Analytics. Its NAICS code is 5223 and its SIC code is 7320.