Nav
Free loan marketplace, not a lender: 25+ partners, $5,000 to $5,000,000, 11.25% to ~41% APR. Soft pull to view offers. Best for comparing offers while building business credit.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Owners who want to see several business loan offers side by side without a hard credit pull, and who also want to track or build their business credit scores in the same account.
Not for: Anyone who wants a single lender's fixed price up front, or who dislikes follow-up calls and emails from lenders. Nav does not lend; your rate depends on the partner.
Lender List verdict: Nav is a loan marketplace, not a direct lender: it is a solid free starting point for comparing 25+ funding partners, and its paid Nav Prime plans ($39.99 to $74.99 a month) are mainly for credit building. Expect partner offers from 11.25% APR (SmartBiz SBA) to about 41% APR (Credibly short-term, Lender List est.).
Nav at a glance
Nav is a free financing marketplace with 25+ partners and credit plans from $39.99 a month.
| Nav | |
|---|---|
| Lender type | Loan marketplace, not a direct lender |
| Founded | 2012 |
| HQ | Draper, UT |
| Parent/owner | Nav Technologies, Inc. |
| Products | Business loan and card marketplace; Nav Prime credit plans; Nav Loans lines of credit via Fundbox |
| Amounts | $5,000 to $5,000,000 across partner offers |
| Cost (headline) | Free to compare; 11.25% APR (SmartBiz SBA) to about 41% APR (Credibly short-term, Lender List est.) |
| Term | 6 months to 10 years, depending on the partner |
| Funding speed | As fast as 4 hours to about 1 month, by partner |
| Status | Active (2026-10-26) |
What is Nav?
Nav is a Utah-based fintech, founded in 2012, that shows small businesses their business credit and matches them with loans and cards from partner lenders. Nav Technologies, Inc. describes itself as a technology company, not a bank, and arranges California loans under DFPI lenders license 60DBO-98588.
How Nav business loans work
Nav business loans are offers from 25+ partner lenders, ranked by how well your business matches; you compare them side by side and apply on the partner's terms.
- Credit check: Soft pull to view offers; see the FAQ.
- Nav Loans: Fundbox lines of credit inside Nav (see FAQ).
- Funding speed: 4 hours (short-term partners) to about a month (SBA).
Nav rates and fees: what it really costs
Nav charges borrowers nothing to compare offers; the cost is whatever the partner charges, from 11.25% APR (SmartBiz SBA) to about 41% APR (Credibly short-term, Lender List est.). Nav earns a referral payment from partners when you click, are approved or open an account.
Partner offers on Nav as of October 2026:
| Partner and product | Amount | Price shown | Term / repayment |
|---|---|---|---|
| Credibly short-term loan | $5,000 to $600,000 | Factor rate from 1.11 | 6 to 15 months |
| Kapitus intermediate-term loan | $20,000 to $5,000,000 | 1% to 1.5% per month | Weekly, biweekly or monthly |
| SBG Funding line of credit | Up to $750,000 | 0% to 2% origination fee | Weekly or monthly |
| Quantum LS line or term loan | $10,000 to $250,000 | Average APR about 20% | 12 to 48 months |
| OnDeck line of credit | $6,000 to $200,000 | From 29.9% APR | 12, 18 or 24 months |
| SmartBiz SBA loan | $30,000 to $500,000 | 11.25% to 13.25% APR | 10 years |
Nav's credit plans are separate: Free, Track ($39.99 a month), Build ($49.99) and Expand ($74.99), 20% off quarterly.
Worked example: the same $25,000 two ways on Nav. At Credibly's 1.11 starting factor over 6 months you repay $27,750 in 26 weekly payments of about $1,067; the $2,750 cost equals roughly 41% APR, or about 51% if Credibly's 2.5% origination fee is deducted from proceeds. On OnDeck's line at 29.9% APR over 12 months (52 weekly payments assumed) you pay about $558 a week and roughly $3,995 in interest.
Nav requirements
Nav sets no minimum credit score to use the marketplace; each partner sets its own bar, with some accepting scores as low as 550.
| Requirement | Nav minimum |
|---|---|
| Personal credit score | None to compare; partners from about 550 |
| Time in business | Set by partner; typically 6 months+, many need 1 to 2 years |
| Annual revenue | Set by partner; e.g. Credibly needs $15,000+ in monthly deposits |
| Bank account / integrations | Business bank account; 3 to 6 months of statements or a linked account |
| Credit check | Soft to view offers; lender may hard-pull when you apply |
| Collateral / guarantee | Set by partner; personal guarantee required on most loans |
Pros and cons
Nav's best feature is free comparison of 25+ partners; its worst is partner-set pricing plus lender follow-up.
Pros
- Free to compare offers, with no hard pull to view them
- Business credit scores from Experian, Dun & Bradstreet, Equifax and Creditsafe
- Paid plans add a reported tradeline and credit coaching
Cons
- Not a direct lender: Nav cannot approve you or set your rate
- Offers include costly short-term and cash-advance products
- Reviewers report marketing calls and emails from lenders after signup
Nav vs. Lendio vs. Fundbox
Nav and Lendio are both free marketplaces, while Fundbox is a direct line of credit of up to $150,000 that Nav also offers as Nav Loans.
| Nav | Lendio | Fundbox | |
|---|---|---|---|
| Type | Marketplace (25+ partners) | Marketplace (100+ lenders) | Direct line of credit |
| Max amount | $5,000,000 (partner offers) | Not stated; set by lender | $150,000 |
| Pricing | Free; 11.25% APR (SmartBiz SBA) to about 41% APR (Credibly short-term, Lender List est.) | Not stated; varies by lender | Fee 4.66% per 12-week draw |
| Min FICO | None to compare; partners from ~550 | Not stated | 600 |
| Min time in business | Set by partner | Not stated | 3 months |
| Min annual revenue | Set by partner | Not stated | $100,000 |
| Repayment | Set by partner | Set by lender | Weekly, 12 or 24 weeks |
| Funding speed | 4 hours to ~1 month | As little as 24 hours | 1 business day |
| Early payoff | Set by the matched lender; Nav does not publish a policy | Set by matched lender | Remaining fees waived |
Lendio and Fundbox figures are from their sites or third-party reviews, checked 2026-10-26.
Choose Nav to compare offers while building credit, Lendio for a wider network, Fundbox for one fast line.
Nav alternatives on Lender List
The closest Nav alternatives on Lender List are direct lenders Fundbox and Bluevine, plus SBA lenders.
- Fundbox — the lender behind Nav Loans, direct
- Bluevine — line of credit up to $250,000 from 7.8%
- iBusiness Funding — SBA 7(a) at lower rates
- Browse all online term loans, business lines of credit and business credit cards on Lender List
Frequently asked questions about Nav
Nav is a legitimate, free loan marketplace founded in 2012, with paid credit plans from $39.99 a month.
Is Nav.com Legit? Yes. Nav Technologies has operated since 2012, holds a California DFPI lenders license (60DBO-98588), is BBB accredited with an A+ rating, and scores 4.3/5 from 553 Trustpilot reviews. It is a marketplace, not a lender. Reviewers do flag lender marketing calls and some cancellation complaints.
What Is Nav Prime? Nav Prime is Nav's paid business credit plan, from $39.99 to $74.99 a month (Track, Build, Expand). Depending on tier it adds full credit scores and reports, a reported tradeline, bookkeeping tools, 1-on-1 coaching (Expand) and a FICO SBSS score. The Free plan still includes marketplace access.
What Is the Nav Prime Card? Nav's current card is the Nav Credit Builder Card, in beta for Build and Expand members, issued by Column N.A. and serviced by Parafin. It reports to business bureaus only. Financer describes the Nav Prime Card as a charge card paid in full each cycle, with no hard credit check.
What Are Nav Loans? Nav Loans are lines of credit inside Nav, powered by Fundbox and funded through First Electronic Bank and Lead Bank. Qualifying Nav users can get Fundbox pre-approvals up to $150,000 with a pre-filled application, and the line sits alongside offers from Nav's other partners.
Is Nav a Direct Lender? No. Nav is a loan marketplace that matches you with partners such as Credibly, Kapitus, OnDeck and SmartBiz; each partner underwrites, prices and funds its own loan. Nav is paid by partners when you click, get approved or open an account; comparing is free.
Is Nav Prime Worth It? Nav Prime is worth it if you need a reported tradeline and want to watch business scores while preparing to borrow. If you only want loan offers, the free plan includes marketplace access, so the $39.99 to $74.99 monthly fee buys credit tools, not cheaper loans.
Does Nav Help Build Business Credit? Yes, if you pay for it. Track and higher plans report a membership tradeline, and Build or Expand members can join the beta Nav Credit Builder Card, which reports to business bureaus only. Nav claims members average a 26-point bureau increase after 3 months; results vary.
Does Nav Do a Hard Credit Check? No, not to view offers. Nav uses your VantageScore 3.0 for recommendations without a hard inquiry. Applying is different: Finder reports a hard pull when you submit a business loan or card application through Nav.
Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Owners who want to see several business loan offers side by side without a hard credit pull, and who also want to track or build their business credit scores in the same account.
Not for: Anyone who wants a single lender's fixed price up front, or who dislikes follow-up calls and emails from lenders. Nav does not lend; your rate depends on the partner.
Lender List verdict: Nav is a loan marketplace, not a direct lender: it is a solid free starting point for comparing 25+ funding partners, and its paid Nav Prime plans ($39.99 to $74.99 a month) are mainly for credit building. Expect partner offers from 11.25% APR (SmartBiz SBA) to about 41% APR (Credibly short-term, Lender List est.).
Nav at a glance
Nav is a free financing marketplace with 25+ partners and credit plans from $39.99 a month.
| Nav | |
|---|---|
| Lender type | Loan marketplace, not a direct lender |
| Founded | 2012 |
| HQ | Draper, UT |
| Parent/owner | Nav Technologies, Inc. |
| Products | Business loan and card marketplace; Nav Prime credit plans; Nav Loans lines of credit via Fundbox |
| Amounts | $5,000 to $5,000,000 across partner offers |
| Cost (headline) | Free to compare; 11.25% APR (SmartBiz SBA) to about 41% APR (Credibly short-term, Lender List est.) |
| Term | 6 months to 10 years, depending on the partner |
| Funding speed | As fast as 4 hours to about 1 month, by partner |
| Status | Active (2026-10-26) |
What is Nav?
Nav is a Utah-based fintech, founded in 2012, that shows small businesses their business credit and matches them with loans and cards from partner lenders. Nav Technologies, Inc. describes itself as a technology company, not a bank, and arranges California loans under DFPI lenders license 60DBO-98588.
How Nav business loans work
Nav business loans are offers from 25+ partner lenders, ranked by how well your business matches; you compare them side by side and apply on the partner's terms.
- Credit check: Soft pull to view offers; see the FAQ.
- Nav Loans: Fundbox lines of credit inside Nav (see FAQ).
- Funding speed: 4 hours (short-term partners) to about a month (SBA).
Nav rates and fees: what it really costs
Nav charges borrowers nothing to compare offers; the cost is whatever the partner charges, from 11.25% APR (SmartBiz SBA) to about 41% APR (Credibly short-term, Lender List est.). Nav earns a referral payment from partners when you click, are approved or open an account.
Partner offers on Nav as of October 2026:
| Partner and product | Amount | Price shown | Term / repayment |
|---|---|---|---|
| Credibly short-term loan | $5,000 to $600,000 | Factor rate from 1.11 | 6 to 15 months |
| Kapitus intermediate-term loan | $20,000 to $5,000,000 | 1% to 1.5% per month | Weekly, biweekly or monthly |
| SBG Funding line of credit | Up to $750,000 | 0% to 2% origination fee | Weekly or monthly |
| Quantum LS line or term loan | $10,000 to $250,000 | Average APR about 20% | 12 to 48 months |
| OnDeck line of credit | $6,000 to $200,000 | From 29.9% APR | 12, 18 or 24 months |
| SmartBiz SBA loan | $30,000 to $500,000 | 11.25% to 13.25% APR | 10 years |
Nav's credit plans are separate: Free, Track ($39.99 a month), Build ($49.99) and Expand ($74.99), 20% off quarterly.
Worked example: the same $25,000 two ways on Nav. At Credibly's 1.11 starting factor over 6 months you repay $27,750 in 26 weekly payments of about $1,067; the $2,750 cost equals roughly 41% APR, or about 51% if Credibly's 2.5% origination fee is deducted from proceeds. On OnDeck's line at 29.9% APR over 12 months (52 weekly payments assumed) you pay about $558 a week and roughly $3,995 in interest.
Nav requirements
Nav sets no minimum credit score to use the marketplace; each partner sets its own bar, with some accepting scores as low as 550.
| Requirement | Nav minimum |
|---|---|
| Personal credit score | None to compare; partners from about 550 |
| Time in business | Set by partner; typically 6 months+, many need 1 to 2 years |
| Annual revenue | Set by partner; e.g. Credibly needs $15,000+ in monthly deposits |
| Bank account / integrations | Business bank account; 3 to 6 months of statements or a linked account |
| Credit check | Soft to view offers; lender may hard-pull when you apply |
| Collateral / guarantee | Set by partner; personal guarantee required on most loans |
Pros and cons
Nav's best feature is free comparison of 25+ partners; its worst is partner-set pricing plus lender follow-up.
Pros
- Free to compare offers, with no hard pull to view them
- Business credit scores from Experian, Dun & Bradstreet, Equifax and Creditsafe
- Paid plans add a reported tradeline and credit coaching
Cons
- Not a direct lender: Nav cannot approve you or set your rate
- Offers include costly short-term and cash-advance products
- Reviewers report marketing calls and emails from lenders after signup
Nav vs. Lendio vs. Fundbox
Nav and Lendio are both free marketplaces, while Fundbox is a direct line of credit of up to $150,000 that Nav also offers as Nav Loans.
| Nav | Lendio | Fundbox | |
|---|---|---|---|
| Type | Marketplace (25+ partners) | Marketplace (100+ lenders) | Direct line of credit |
| Max amount | $5,000,000 (partner offers) | Not stated; set by lender | $150,000 |
| Pricing | Free; 11.25% APR (SmartBiz SBA) to about 41% APR (Credibly short-term, Lender List est.) | Not stated; varies by lender | Fee 4.66% per 12-week draw |
| Min FICO | None to compare; partners from ~550 | Not stated | 600 |
| Min time in business | Set by partner | Not stated | 3 months |
| Min annual revenue | Set by partner | Not stated | $100,000 |
| Repayment | Set by partner | Set by lender | Weekly, 12 or 24 weeks |
| Funding speed | 4 hours to ~1 month | As little as 24 hours | 1 business day |
| Early payoff | Set by the matched lender; Nav does not publish a policy | Set by matched lender | Remaining fees waived |
Lendio and Fundbox figures are from their sites or third-party reviews, checked 2026-10-26.
Choose Nav to compare offers while building credit, Lendio for a wider network, Fundbox for one fast line.
Nav alternatives on Lender List
The closest Nav alternatives on Lender List are direct lenders Fundbox and Bluevine, plus SBA lenders.
- Fundbox — the lender behind Nav Loans, direct
- Bluevine — line of credit up to $250,000 from 7.8%
- iBusiness Funding — SBA 7(a) at lower rates
- Browse all online term loans, business lines of credit and business credit cards on Lender List
Frequently asked questions about Nav
Nav is a legitimate, free loan marketplace founded in 2012, with paid credit plans from $39.99 a month.
Is Nav.com Legit? Yes. Nav Technologies has operated since 2012, holds a California DFPI lenders license (60DBO-98588), is BBB accredited with an A+ rating, and scores 4.3/5 from 553 Trustpilot reviews. It is a marketplace, not a lender. Reviewers do flag lender marketing calls and some cancellation complaints.
What Is Nav Prime? Nav Prime is Nav's paid business credit plan, from $39.99 to $74.99 a month (Track, Build, Expand). Depending on tier it adds full credit scores and reports, a reported tradeline, bookkeeping tools, 1-on-1 coaching (Expand) and a FICO SBSS score. The Free plan still includes marketplace access.
What Is the Nav Prime Card? Nav's current card is the Nav Credit Builder Card, in beta for Build and Expand members, issued by Column N.A. and serviced by Parafin. It reports to business bureaus only. Financer describes the Nav Prime Card as a charge card paid in full each cycle, with no hard credit check.
What Are Nav Loans? Nav Loans are lines of credit inside Nav, powered by Fundbox and funded through First Electronic Bank and Lead Bank. Qualifying Nav users can get Fundbox pre-approvals up to $150,000 with a pre-filled application, and the line sits alongside offers from Nav's other partners.
Is Nav a Direct Lender? No. Nav is a loan marketplace that matches you with partners such as Credibly, Kapitus, OnDeck and SmartBiz; each partner underwrites, prices and funds its own loan. Nav is paid by partners when you click, get approved or open an account; comparing is free.
Is Nav Prime Worth It? Nav Prime is worth it if you need a reported tradeline and want to watch business scores while preparing to borrow. If you only want loan offers, the free plan includes marketplace access, so the $39.99 to $74.99 monthly fee buys credit tools, not cheaper loans.
Does Nav Help Build Business Credit? Yes, if you pay for it. Track and higher plans report a membership tradeline, and Build or Expand members can join the beta Nav Credit Builder Card, which reports to business bureaus only. Nav claims members average a 26-point bureau increase after 3 months; results vary.
Does Nav Do a Hard Credit Check? No, not to view offers. Nav uses your VantageScore 3.0 for recommendations without a hard inquiry. Applying is different: Finder reports a hard pull when you submit a business loan or card application through Nav.
Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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