Nav offers a cloud‑based platform that consolidates D&B, Experian, Equifax and TransUnion business credit data into a single dashboard with real‑time alerts and automated tradeline reporting via its Nav Prime charge card. The service also provides bookkeeping integration, cash‑flow tools, and access to the FICO SBSS eligibility score to help U.S. small‑business owners monitor and improve their commercial credit for financing.
Funding
$5M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
+2Founders
Product
Problem
Small businesses often lack a centralized view of their commercial credit across the three major bureaus, making it difficult to track credit health, identify factors affecting scores, and demonstrate creditworthiness to lenders. Inconsistent reporting and delayed updates can stall access to financing and hinder growth.
Solution
Nav offers a cloud‑based platform that aggregates D&B, Experian, Equifax, and TransUnion business credit data into a single dashboard, delivering real‑time alerts on score changes and key risk factors. The service automatically reports tradelines from the Nav Prime charge card to the bureaus, helping users build and improve their credit histories without manual filing. Subscribers can view detailed credit reports, monitor eligibility scores such as FICO SBSS, and access bookkeeping tools that streamline cash‑flow management and tax preparation. Tiered membership plans add features like a dedicated credit coach and expanded tradeline reporting for businesses ready to scale. All data are encrypted in transit and at rest, and the platform integrates via API with common accounting software for seamless workflow.
Target Audience
The primary users are U.S. small‑business owners and entrepreneurs who need to monitor, build, and leverage their commercial credit to secure loans, lines of credit, and vendor financing.
Features
- Consolidated dashboard showing up to five credit scores and alerts from D&B, Experian, Equifax, and TransUnion in real time
- Automated monthly tradeline reporting through the Nav Prime charge card to improve bureau credit profiles
- Access to FICO SBSS eligibility score covering over 7,500 lenders, enabling targeted financing outreach
- Bookkeeping and cash‑flow tools that sync with popular accounting platforms to simplify tax preparation
- Dedicated business credit coach (available in Expand tier) for personalized strategy and lender outreach guidance
- Role‑based access controls and end‑to‑end encryption to protect sensitive financial data
- Tiered subscription plans (Track, Build, Expand) with optional quarterly billing discounts