Pros
- Free plan with business credit ranges from D&B, Experian and Equifax
- Nav Prime reports your membership as a tradeline to business bureaus
- Shows financing you’re likely to qualify for
Cons
- Full scores and the tradeline need Nav Prime ($39.99–$74.99/mo)
- Nav doesn’t lend directly
Nav at a glance
| Amount | Matches you with lenders and cards |
|---|---|
| Requirements | Free plan available |
| Notes | Prime reports a tradeline to Experian, Equifax and D&B |
Good fit if you are…
- New LLCs with no business credit file yet
- Owners planning to apply for a loan or card in 6–12 months
Look elsewhere if you are…
- Owners who only need a one-time loan quote
Nav alternatives
| Provider | Price | Best for | Link |
|---|---|---|---|
| Bluevine Line of Credit | Rates from 7.8% | Revolving credit for established LLCs | Visit Bluevine Line of Credit |
| National Funding | Factor-rate pricing | Fast working capital · equipment | Visit National Funding |
| Fundbox | No origination fee | Small, fast draws | Visit Fundbox |
How to get started with Nav
- Check the minimums: time in business, revenue and credit score.
- Gather recent business bank statements, tax returns and your EIN.
- Check eligibility online (often without a hard credit pull).
- Compare the total cost — APR or total payback — before accepting.
Nav vs the alternatives
Nav is our pick for build business credit · loan matching (Free · Prime from $39.99/mo). If that isn’t your priority:
- Bluevine Line of Credit — better for revolving credit for established llcs (Rates from 7.8%). Credit lines up to $250,000.
- National Funding — better for fast working capital · equipment (Factor-rate pricing). Working capital from $6,000 to $500,000.
- Fundbox — better for small, fast draws (No origination fee). Credit decision in as little as 3 minutes.
Frequently asked questions
How much does Nav cost?
Free · Prime from $39.99/mo. Amount: Matches you with lenders and cards. Requirements: Free plan available. Verified October 18, 2026 on Nav’s website.
Is Nav good for an LLC?
The most practical tool we found for a new LLC that wants business credit: a free plan to see where you stand, and a paid plan that reports a tradeline to Experian, Equifax and D&B every month. Good fit: new llcs with no business credit file yet; owners planning to apply for a loan or card in 6–12 months.
What are the downsides of Nav?
Full scores and the tradeline need Nav Prime ($39.99–$74.99/mo). Nav doesn’t lend directly.
What are the alternatives to Nav?
Bluevine Line of Credit (Rates from 7.8%), National Funding (Factor-rate pricing), Fundbox (No origination fee).
How do I sign up for Nav?
1. Check the minimums: time in business, revenue and credit score. 2. Gather recent business bank statements, tax returns and your EIN. 3. Check eligibility online (often without a hard credit pull). 4. Compare the total cost — APR or total payback — before accepting.
Loan amounts, rates and requirements come from each lender’s site and change often. Approval isn’t guaranteed. Compare the total cost (APR or total payback), not just the payment. Verified October 18, 2026. We may earn a commission if you sign up through our links, at no cost to you. How we’re funded.
Your LLC setup checklist
- Get a free EINFrom the IRS, in minutes online.
- Open a business bank accountKeep LLC money apart from yours to protect the liability shield.
- Sign an operating agreementSettle who owns and decides what before it matters.
- Get business insuranceCover what the LLC itself doesn’t protect.
- Plan your taxesKnow your tax status and federal due dates.
- Track state deadlinesFree reminders before each filing.
Everything in one list: printable LLC compliance checklist · live deadline calendar.