Nav

Overview

Nav is not a credit bureau; it is a US small-business finance service that licenses bureau data and presents it to owners alongside financing options. It reports that more than 2.7 million small businesses have used it, and its plans draw business credit data from Dun & Bradstreet, Creditsafe, Experian and Equifax, plus TransUnion personal data^[34][33]. Equifax names Nav as an approved reseller for its business credit monitoring^[12].

The free plan shows business credit ranges, not exact scores, from D&B, Creditsafe, Experian and Equifax, one personal Experian score and a basic funding-readiness snapshot. Paid Nav Prime plans add the scores and report data: Track and Build include seven scores, and Expand includes eight, adding the FICO Small Business Scoring Service (SBSS) score used by many lenders, plus monthly credit coaching^[33]. Paid plans also include a Prime tradeline^[33].

Nav is useful as a single view of several bureaus, but it serves only the owner’s own business, not checks on customers or suppliers. The FAQ and the pricing table describe the Track plan’s personal scores differently, so buyers should confirm what each tier includes^[33].

Nav features

• Free business credit ranges from four bureaus
• Paid scores from D&B, Creditsafe, Experian, Equifax and TransUnion
• FICO SBSS score on the Expand plan
• Prime tradeline on paid plans
• Funding-readiness assessment and lender matching
• Quarterly billing discount of 20%

Nav pricing

Free $0; Track US$39.99/month; Build US$49.99/month; Expand US$74.99/month. Quarterly billing saves 20%.

Nav strengths and limitations

Appears in

• Best Business Credit Report Providers in 2026 #13

Nav alternatives and competitors

Alternatives to Nav: companies ranked in the same lists.

• Dun & Bradstreet
• Experian Business
• ECEquifax Commercial
• Creditsafe
• MOMoody’s Orbis (formerly Bureau van Dijk)
• Creditreform
• CBCoface Business Information
• Altares
• CreditorWatch
• CreditRiskMonitor
• Global Database
• Business Credit Reports