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Updated June 14, 2024

Nav is different from the other business lenders on our list as Nav doesn’t provide their own funding; instead, the company offers a way to monitor your business’s financial health and acts as a marketplace to help you identify lenders based on your qualifications. In short Nav shows you what funding you are likely to qualify for before you spend the time applying. For this reason, there are no requirements. You simply put in your information, and they match you with lenders that can help you achieve your lending goals.


  • The only tool of its kind
  • Helps businesses understand their finiances
  • Boosts funding possibilities
  • Improves small business financial health
  • Extensive lender marketplace

  • Free plan financial insights are limited
  • Free plan offers a rating grade instead of full credit score
Nav logo
Best lending marketplace

What is Nav?

Nav offers various services for businesses looking to monitor and improve their financial health to get small business loans. Using Nav can show you the financing you will likely get based on your data before applying. It can also pinpoint issues holding you back from the funding you need.

nav setting up company profile and dashboard screenshot

Setting up company profile and dashboard. Source: Nav free account.

There are two Nav tracks: Basic (free) and Business Boost (paid) that are designed specifically for small businesses. Using these tools, you receive critical financial information on your business that saves you time, money, and resources applying for funding you aren’t likely to get. Plus, it streamlines the process of collecting credit reports and scores independently.

Utilizing their trusted partners, Nav provides the information and actionable details you need to make smart business decisions, improve your business credit score, and open the door to better lending options. Using Nav, you will receive personalized financial recommendations for your business.

Nav also offers business credit cards, a business checking account, and additional business services like payroll services and accounting solutions.

Users seem overall satisfied with Nav’s various services, and most comment about how helpful the customer service reps are. Nav reports that small businesses matched with financing through their website have a 3.5 higher chance of getting approved for funding.

Get Started Visit Nav’s website.

How much does Nav cost?

Nav plans start at $0.

Starting price:
$0 per month
Free version:
Nav Pricing & Plans
Business Basic Business Boost
Starting at $0 /mo Starting at $49.99 /mo

What’s included in every Nav plan? The Basic Nav track is free and gives small businesses credit report summaries from four primary sources plus a business risk grade. These combine to give you an idea of how good your credit score is, but note it doesn’t provide your full credit score. You also get access to the financing marketplace, lender recommendations, and one-on-one support from their lending specialists.

When you move up to paid Business Boost, you get everything in Basic. You also get a detailed credit report that helps small businesses in all stages improve their financial profile, create tradeline opportunities to build business credit and business owners can view their financial picture as others would see it when considering lending. Nav Business Boost customers also get identity theft protection and business credit report monitoring.

nav plans screenshot

Nav plans available. Source: Nav website.

How does Nav work?

Nav is not a direct lender. Instead, it matches you with personalized financing solutions that fit your business. Nav recommendations may include:

Business Loans Types
Term loan
SBA loan
Line of credit
Invoice financing
Working capital loan
Merchant cash advance
Equipment financing

Other notable Nav features

  • Business credit cards
  • Business checking account
  • Business formation
  • Business insurance
  • Merchant services
  • Payroll services
  • Business taxes
  • Accounting solutions
  • Business grants

Nav application process

You will need the following information to apply for Nav marketplace lending:

  • Time in business
  • Annual revenue
  • Three months of bank statements
  • Credit score range
  • How quickly you need financing
  • Desired loan amount
  • Purpose of the funds

Get Started Visit Nav’s website.

Nav customer support

New customer phone number
Existing customer phone number
Customer support email Online form
Chat Not available
FAQs Available
Knowledge base Available

Nav user review highlights

We analyzed 233 user reviews about Nav from two third-party review websites to provide this summary.

In our research into Nav, we found limited user reviews. However, the reviews we did find gave us good insight into customers’ thoughts on the online vendor. First, for the negative – we found complaints regarding promises of quick funding made with no follow through, business checking with little to no additional benefits, and requests for repeat information that had already been submitted which delayed the application process.

On the other hand, most Nav reviews are very positive, and users especially find customer service to be above and beyond. Users report that the customer service representatives are knowledgeable, responsive, pleasant, patient, and truly go above and beyond to help.

  • Application process – the application process gets mixed reviews where some users say they were asked to submit the same information more than once.
  • Ease of Use – ease of use gets mixed reviews. Some users say it’s easy to navigate, and others gripe that crucial pages wouldn’t load.
  • Features – Nav customer service is the most commented on and valued feature.
  • Quality of Support – users say the customer support representatives are simply the best and most helpful around.
  • Convenience – reviewers of Nav – especially the free plan, report that it’s a great value and something that all small businesses should use.

Nav Contact Information

Parent Company:
Year Founded:
youtube.com/ @navsmb

Nav alternatives

Software Starting Price B2B Reviews Score
Nav $0 / month 4.75
OnDeck n/a 4.25
QuickBridge n/a 4.5

Nav Reviews

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