Nav.com Business Loans Review: Lender Marketplace (2026)

Is Nav legit?

Yes, Nav is legit. The company has been in business since 2012 and is accredited by the Better Business Bureau (BBB). It has a secure website with SSL encryption to keep your information safe from hackers. And it vets the lenders it works with to ensure its partners are also legit.

Its privacy policy covers how it collects and uses your personal information. While Nav doesn’t allow third parties to collect personally identifiable information without your permission, it does share your information with partner lenders, which means you may receive follow-up marketing calls or emails after signing up.

What makes Nav shine?

• Free marketplace access to compare loans and credit cards. You can explore business financing options without paying upfront or committing to a lender right away.
• Large mix of banks, SBA lenders and online lenders. Nav brings together traditional and alternative lenders, which can be helpful if you want to see more than one path to funding.
• No hard credit check to view initial offers. Checking potential loan and card options won’t affect your personal or business credit scores.
• Wide range of financing types. Depending on your profile, you may see options like SBA loans, term loans, lines of credit, equipment financing or cash advances.
• “Next Best Option” guidance after a decline. If you’re turned down for a loan or credit card, Nav may explain why and suggest alternatives that could be a better fit.
• Business credit monitoring included for free. Even without a paid plan, you can keep an eye on basic business credit information.
• Credit-building tools with paid memberships. Higher-tier plans add tradeline reporting, which may help you build business credit over time.
• Nav Prime Card on select paid tiers. Eligible members can apply for the Nav Prime Card, which is designed to help establish business credit with regular use.

Where Nav falls short

• Nav doesn’t lend directly. Because it’s a marketplace, loan terms, rates and fees can vary widely depending on the lender you’re connected with.
• APR details aren’t shown up front. You won’t see clear rate ranges at the start since pricing depends on individual partner lenders.
• Marketing outreach is common. Many users report receiving follow-up calls and emails from lenders after signing up.
• Full credit tools require a paid membership. Access to detailed credit reports and credit-building features sits behind Nav Prime’s paid tiers.
• Credit-building results vary. Nav offers tools that may help, but outcomes depend on your business and credit behavior.
• Membership cancellation can be frustrating. Some users report difficulties canceling paid plans or resolving billing issues.

Nav loan details

Nav contact information

How to qualify for Nav business loans

To qualify for a business loan through Nav, be prepared to meet these criteria:

• Credit score. A fair to excellent personal credit score is ideal, although some lenders may accept scores as low as 550.
• Time in business. Your business should be operating for a minimum of six months, although many loans require at least one to two years in business.
• Annual revenue. You’ll likely need to show a minimum of $50,000 up to $1 million a year in revenue. Again, this depends on the lender and loan type.
• Personal guarantee. Most business loans require a personal guarantee, which makes the business owner personally responsible for repaying the loan if the business is unable to do so.
• Other factors. Depending on the lender and the type of loan, you may need to provide a down payment and/or collateral, a business plan, financials and more.

How to apply

To apply for a loan through Nav, create a Nav account and enter your personal and business information.

Once you’re logged in to the Nav dashboard:

1. Compare your loan and credit card offers under Get Financing.
2. Apply for a loan by selecting Apply Now.
3. Fill out the loan application.

Nav matches your information to their lenders and presents the loans and services you’re most likely to qualify for.

How Nav compares to other lenders

6 of 6 results

Updated regularly

Finder Score	Min. Amount	Max. Amount	APR	Requirements
Promoted Finder score 9.9 Excellent Pinnacle Funding	Finder score 9.9 Excellent	$10,000	$3,000,000	Varies by loan type	12+ months in business, 580+ credit score, $180,000 in annual revenue	Apply in minutes with funding as fast as 24 hours and zero impact to your credit score.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.5 Excellent Fundera business loans	Finder score 9.5 Excellent	$2,500	$5,000,000	Varies by lender	$60,000+ of annual revenue, 550+ personal credit score, in business for 6+ months	Get connected with short-term funding, SBA loans, lines of credit and more.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.5 Excellent Lendzi	Finder score 9.5 Excellent	$5,000	$20,000,000	Varies by lender	Minimum credit score of 580, minimum annual revenue of $120,000, preferably one to two years in business	Compare lending options and get funded fast.	Go to siteView details Compare product selection Compare	loading
Finder score 9.6 Excellent Advance Funds Network	Finder score 9.6 Excellent	$10,000	$5,000,000	Varies by lender	6 months in business, at least $10,000 in monthly revenue	A range of funding options for your business	Go to siteView details Compare product selection Compare	loading
Finder score 8.9 Great Best Money	Finder score 8.9 Great	$5,000	$5,000,000	Varies by lender	Depends on the lender	Apply in minutes. Get funded fast.	Go to siteView details Compare product selection Compare	loading
Finder score 9.6 Excellent Lendio business loans	Finder score 9.6 Excellent	$1,000	$5,000,000	Varies by lender	Operate business in US for 6 months or more, have a business bank account, minimum 580 personal credit score, at least $8,000 in monthly revenue.	Submit one simple application to potentially get offers from a network of over 75 legit business lenders.	Go to siteView details Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.

Read the full breakdown

Nav reviews and complaints

Most users rate Nav well, commenting on how easy the app is to use and how its credit reporting features helped them build their business credit. They also mention Nav’s customer service representatives, praising them for being helpful, professional and patient.

However, some customers complain of problems with the dashboard, the service not being worth the money, difficulties canceling the service and a large uptick in the amount of telemarketing calls received after signing up. It’s also important to note that most reviews refer to the Nav app in general, not the loan marketplace it offers.