Nav Review: Is Nav Worth It in 2025?
Nav’s platform is designed to help small business owners manage their business and personal credit, organize their finances, and secure funding to grow their operations.
This comprehensive Nav review breaks down its various subscription options to help determine which, if any, is right for you.
Free Nav Account
The free Nav account grants you access to the most basic version of the platform’s features, including its credit monitoring services, business checking account, and financial product marketplace.
Basic Credit Monitoring
Nav’s free credit monitoring services provide limited access to your business credit data from Dun & Bradstreet (D&B), Equifax, and Experian, plus your personal information from Experian and TransUnion.
After signing up and connecting Nav to each credit bureau, you can see high-level summaries of your credit reports and “credit grades.” These help you estimate your credit score by assigning you a rating between A and F based on your credit history.
In addition, you’ll receive a notification whenever there are significant changes to your business or personal credit reports, such as new credit inquiries, tradelines, or late monthly payments.
Otherwise, the information you get is fairly generic, like simple explanations of the factors that affect credit scores. As a result, Nav’s free credit services are best for a quick check of your creditworthiness and basic protection against identity theft.
Business Checking Account
Nav’s free account also lets you open a business checking account through Thread Bank. The account isn’t anything special, but it has most of the basic features and benefits you’re likely to want, including:
If you don’t already have a bank account for your business, the Nav business checking account is as good an option as any for separating your business and personal finances and setting your company up to build credit.
Basic Cash Flow Management
Separate from Nav’s checking account is its cash flow management tool, called Cash Flow Health. At the free tier, it lets you keep track of your account balances and expenses, as well as make simple financial projections to help avoid potential shortfalls.
It’s essentially a basic form of bookkeeping software that connects to your bank accounts and credit cards to provide a consolidated view of your finances. However, you have to upgrade to a paid plan to access its most useful features.
Personalized Marketplace Picks
Nav’s platform includes a marketplace where you can explore and compare various providers of financial products and services, including credit accounts, insurance plans, payroll management, and tax preparation.
You can access this marketplace without a free account, but sign up for one and Nav will provide personalized recommendations using your business profile and credit data.
For example, it may suggest a business credit card you’re likely to qualify for based on your time in business, annual revenue, and credit history.
Nav Prime Tier 1: Monitor Scores
The first tier of Nav Prime—the platform's paid subscriptions—costs $39.99 per month. Alternatively, you can pay $95.97 quarterly and save 20%, effectively reducing your monthly cost to $31.99. Here’s what you get for upgrading from the free account.
Detailed Credit Monitoring
If you’re serious about tracking your business credit, the first Nav Prime tier is probably the lowest you’ll want to consider. It’s a significant upgrade from the free account, which only shows summaries of each credit report and approximations of each credit score.
When you sign up for Nav Prime, you unlock detailed credit reports and scores from the three major business credit bureaus, plus your full personal credit reports and FICO scores from Experian and TransUnion.
Nav states it could cost you as much as $300 per month to access all of that information elsewhere.
You’ll also receive more comprehensive credit monitoring services and additional insights into the credit scoring factors limiting your scores, helping you determine the most efficient path to improvement.
Nav Prime Tier 2: Boost Credit
The second Nav Prime tier costs $49.99 per month or $119.97 billed quarterly, which works out to $39.99 per month. Here’s what it has to offer.
Business Tradeline Reporting
At the second tier, Nav Prime starts helping you build business credit directly. Subscribing grants you access to two additional tradelines, including one vendor and one financial tradeline.
The vendor tradeline comes from your subscription to the platform itself. Whether you pay monthly or quarterly, Nav will report your payments to the business credit bureaus, helping you establish a positive payment history.
The financial tradeline comes from the Nav Prime Card, an easy-approval charge card. There are no revenue, security deposit, or time-in-business requirements, and you don’t have to undergo a personal credit check or sign a personal guarantee.
Nav simply requires you to connect a bank account, which it’ll use to determine your daily credit limit.
The more funds and activity in the account, the higher your limit. At the end of each day, Nav automatically deducts your business credit builder card balance from the linked account.
Nav reports both tradelines to all three major business credit bureaus, including D&B, Experian, and Equifax. If you’re already subscribing to the credit monitoring services, paying a little more per month for the additional tradelines is likely worth it.
Read our list of the best Tier 1 Business Credit Vendors for more vendor tradeline opportunities to consider.
Expanded Cash Flow Management
At the second Nav Prime tier, you also unlock the platform’s full bookkeeping features, making the cash flow management tool more functional.
In addition to tracking your account balances and expenses, it will automatically categorize all transactions and generate profit and loss statements.
However, Cash Flow Health isn’t as robust as true accounting software. It doesn’t function as a general ledger and can’t generate other financial statements, such as the balance sheet or cash flow statement.
Nav Prime Tier 3: Credit Coaching
At the third and highest tier, Nav Prime membership costs $74.99 per month or $179.97 billed quarterly, which equals $59.99 per month. Here’s what it gets you.
Dedicated Credit Coach
Nav Prime’s top subscription tier connects you with one of the platform’s credit-building experts, who will provide you with personalized guidance and support. For example, they may be able to:
If you’re unsure how to approach building business credit or are facing a particularly complex situation, working with one of Nav’s coaches may help you avoid potential pitfalls and reach your goals more efficiently.
FICO SBSS Access
Nav saves its most unique benefit for last. Its highest tier also grants you access to your FICO Small Business Scoring Service (SBSS) score, which is the credit score a lender must use when screening you for a Small Business Administration (SBA) loan.
Nav is one of the only ways a small business owner can check this credit score. If you’re interested in SBA funding—one of the most favorable types available—knowing your SBSS score can be invaluable, likely making this subscription tier worth it.
Combine Nav With eCredable for Better Business Credit
Nav’s platform offers powerful business credit features, especially if you subscribe to one of its paid plans. They can provide unique insights into your business credit and two distinct tradelines at all three major business credit bureaus.
However, Nav typically won’t be enough to reach your credit goals on its own. To qualify for high-value lines of credit and business loans, you should aim to have multiple, diverse tradelines with long, robust payment histories.
One of the best ways to flesh out your business credit report is with eCredable. Our Business Lift program lets you report an unlimited number of recurring expenses, such as your internet, TV, and utility bills, to the business credit bureaus as vendor tradelines.
In addition to your ongoing payments, that includes up to two years of historical activities, which can quickly make significant improvements to your business credit scores.
In fact, our customers see an average increase of 32 points in their scores at each participating business credit bureau. To top it off, like Nav, we’ll also report your eCredable subscription payment to give you an extra boost.
Sign up for eCredable today to reach your business credit goals faster.