- Nav is a business credit and financing platform, not a direct lender, that matches your profile to loan, line-of-credit, and credit-card offers from partner lenders.
- It offers a free tier for monitoring personal and business credit and gauging likely approval before you apply, with credit-building tools on paid plans.
- Because it's a marketplace, actual rates and terms come from the partner lender you choose, and sharing your details can lead to marketing contact.
Nav at a glance
Nav is a credit and financing platform built for small-business owners. Its core idea is simple: see where your business stands, understand your options, and get matched to financing you’re more likely to qualify for. Importantly, Nav is not a direct lender — it’s a marketplace that connects you to banks, SBA lenders, online lenders, and card issuers, then lets you compare them in one place.
What Nav offers
- Financing marketplace — based on your profile, Nav surfaces loans, lines of credit, equipment financing, and business credit cards from partner lenders.
- Credit monitoring — track personal and business credit, including data from the major business bureaus, with alerts when something changes.
- Credit-building tools — paid plans can report a tradeline to business credit bureaus to help establish or strengthen your business credit over time.
Who it’s best for
Nav fits owners who want to do their homework before applying. If you’re unsure where you’d qualify, want to compare multiple paths to funding, or are actively trying to build business credit, the dashboard puts those pieces in one view. Because matches span traditional and alternative lenders, it’s useful whether you’re shopping for a bank line or a faster online loan.
How to decide
The trade-off with any marketplace is that Nav doesn’t set the terms — the lender you pick does, so rates, fees, and timelines vary widely and aren’t shown upfront. Sharing your information can also lead to follow-up calls and emails from partners. Treat Nav’s matches as a starting point, then compare the actual offers side by side. You can also apply once through Hoss Capital and we’ll match you with comparable lenders so you can weigh real numbers. Terms change, so confirm current details directly with any lender before committing.
- Free tier to monitor credit and view financing matches
- Compares banks, SBA, and online lenders in one dashboard
- Credit-building and monitoring tools across major business bureaus
- Helps you gauge likely approval before submitting full applications
- – Not a direct lender — actual rates and terms come from partner lenders
- – Pricing isn't shown upfront and varies widely by lender
- – Sharing your details can lead to marketing contact from partners
- – Some features and credit-building tools require a paid subscription
Nav FAQs
Is Nav a direct lender? +
No. Nav is a financing marketplace and credit platform — it matches your business profile with offers from partner banks, SBA lenders, and online lenders rather than lending its own money. Terms and rates come from whichever lender you choose. Hoss Capital is also a matching service and can connect you with comparable options.
Is Nav free to use? +
Nav offers a free tier for credit monitoring and viewing financing matches. Some features, including certain credit-building tools and detailed reports, require a paid subscription. Pricing and plan details can change, so check Nav's site for current terms.
How does Nav decide which offers to show me? +
Nav uses the business details you provide — such as revenue, time in business, and personal and business credit data — to surface lenders and cards you're more likely to qualify for. Final approval and pricing are always determined by the individual lender.
Last updated: June 2026