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NAV Review
Reviews 222
Nav
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Nav
Nav
Excellent
Reviews 222
Danielle Greving
Oct. 11, 2022
2 min read
Danielle Greving author image
Nav summary
NAV is a business loan marketplace that offers a free service for business owners to easily compare loan and credit card options to find a solution that’s tailored to their business. After creating an account, you’ll gain access to its marketplace feature, allowing you to find lenders willing to work with your business. Its network is made up of a wide range of lenders, making it a great solution for new startups or those with poor credit.
Pros
  • Large marketplace with over 100 lenders
  • Multiple credit card and business loan options
  • Personal and business credit reports
Cons
  • Full credit reports require you to pay for membership
  • May receive many emails and marketing calls

Nav at a glance

4.4
Editorial score

Online experience

Has learning resources, access to rates, mobile app
5.0

Customer services and support

Multiple ways of reaching lender, phone hours not disclosed
3.0

Variety of loan types

Offers all loan types
5.0

Loan amount range

Loan amount $500K+
5.0

Eligibility

Doesn't cover bad credit, low revenue, new businesses
4.0

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Overview 

NAV is a Utah-based lender marketplace that helps business owners find lenders at no cost to them. You can browse a variety of loan options on NAV’s website or mobile app, including SBA loans, microloans, and more. 

Signing up for an account can be done in a few minutes, and once you sign up, you’ll receive tailored loan recommendations. If you find a lender you like, you can simply click on the link to be redirected to the lender’s website and online application. 

Why NAV Is Good For Your Business

NAV is good for your business because it allows you to compare lenders without paying a dime. If you’re unsure about what loan options are available to you, NAV will help you find out, while if you have poor credit or are just starting up, the wide variety of lenders in NAV’s network means you’re more likely to find one that will work with you. 

NAV offers a free credit monitoring service in addition to paid credit monitoring plans that range from $29.99-$49.99/month and offer access to full credit reports and tradeline reporting depending on the plan you select. 

NAV’s mobile app also makes it easy to browse your options from your smartphone. 

Loan Features

NAV does not directly offer loans, but rather connects you with lenders that offer a variety of loans. Loans and loan features will vary depending on the lender, but through NAV you can compare the following.

  • SBA loans
  • Bank loans for businesses
  • Business credit cards 
  • Equipment financing loans
  • Invoice financing loans
  • Microloans
  • Merchant cash advances
  • Business lines of credit

Application Process

Because NAV is a marketplace and not a direct lender, you won’t be applying for a loan directly through its site. Instead, you’ll create an account through NAV to get matched with potential lenders.  

Note that if you do not wish to create an account, you can simply click on the “All Business Loans” tab at the top of the page, select your business’s revenue, and input an estimated credit score to manually sort through lender options. 

Otherwise, follow these steps to create an account, which should only take a few minutes.

  1. Head to the NAV website and click “Get Started.”
  2. Enter your business’s name and address (if applicable).
  3. Enter a password and your email address.
  4. Follow the required steps to enter information about your business.

Once your account setup is complete, NAV will filter potential lenders to find the right loan options for your needs.

If you find a lender that matches your needs, NAV will redirect you to the lender’s website, where you can complete a full application. The application process will vary by lender, so double-check to ensure your business meets the lender’s requirements before applying. 

How Much Can You Borrow?

Borrowing rates vary by lender, with loans typically ranging from a $5,000 line of credit all the way up to $1 million for a term loan. You’ll need to get in touch with your lender for specific borrowing limits. 

Repayment Terms

Because NAV is a connection service and not a lender, you will not make repayments directly through NAV. Repayment terms vary by lender, and you’ll need to contact your lender for specific repayment terms and fees. Generally, repayment terms for business loans range from three months to 25 years. 

How Safe Is It? 

NAV keeps your data safe with bank-level security and 256-bit encryption. NAV’s website also has SSL encryption to keep your information safe from hackers. 

When you sign up for NAV, it will collect basic personal information, including your name, address, date of birth, telephone number, and email address. Non-personal information will also be collected through the site, such as environmental variables, server log files, pixel tags, and other information that you voluntarily provide. NAV does not allow third parties to collect personally identifiable information without your permission.  

While NAV does not have an entry on the Better Business Bureau site, it does have a solid TrustPilot score of 4.4/5.0. Additionally, its mobile app gets an average of 5 stars from 6,800+ reviews. 

Help & Support

NAV offers a robust FAQ page and customer support via phone at (855) 226-8388. It also has a “contact us” page where you can simply enter your name and phone number and a customer service representative will get back to you as soon as possible. 

Summary

NAV is an excellent option for business owners looking to easily compare a variety of loan options. Setting up an account through NAV is completely free and can be done in a few minutes by entering some basic information. In addition to providing you options for traditional small business loans, NAV also serves as a lender marketplace for equipment financing, invoice financing, microloans, business lines of credit, and merchant cash advances. 

Additionally, account holders can take advantage of NAV’s free credit monitoring service. Credit monitoring and loan browsing can be done through NAV’s website or mobile app. 

Physical Address

13693 South 200 West,

Suite 200, Draper, UT 84020


Danielle Greving author image
Written by
Danielle Greving
Danielle is a tech and finance writer with experience in personal finance, cryptocurrency and numerous SaaS companies. Her bylines can be found on MoneyTips, CoinMarketCap, GraniteShares and Top10.com. An avid traveler and former ESL teacher, Danielle's writing blends a wealth of technical and financial knowledge with simple and straightforward explanations for everyday readers.
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See what some costumers are saying about Nav
Nav
Excellent
Reviews 222
on
Excellent
86%
Great
4%
Average
2%
Bad
8%
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traci mills
6 days ago
Thanks for helping establish my business credit
Ive had nothing but good interactions with NAV and its staff, I recommend to all that are new to establishing or maintaining business credit, very awesome company.
C
christie ennis
7 days ago
FIRST INTERACTION WITH COMPANY
FIRST INTERACTION WITH COMPANY. THEY WERE VERY HELPFUL AND ADDRESSED MY CONCERNS.
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pompeymoore
9 days ago
Awesome and Excellent
Awesome and Excellent
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scott nyreen
11 days ago
Helpful Amanda
Hello there.👋 My is name is Scott Nyreen and I am writing this review for Amanda from Nav. I just want to say that Amanda was amazing. She was extremely helpful, polite to friendly but yet professional. It was very refreshing to interact with someone of that caliber for a change. The customer service industry could use more Amanda's. Keep up the great work Young lady.😃👍
J
james
17 days ago
Totally awesome
Totally awesome
J
jerome taylor
17 days ago
Nab is needed to stay current with your business
Thank you very much
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manuel de leon
21 days ago
Christian
Christian: came above and beyond my expectations, solve my concern, easy to work with !!!
W
w mcnabb
22 days ago
Rodolfo knew exactly how to help me get…
Rodolfo knew exactly how to help me get what I needed.
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joshua grissom
25 days ago
Perfect
Perfect, customer service Great
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tracy allison
a month ago
amazing staff
very helpful and responsive staff that goes up and beyond what's needed.
B
barry oliver
2 months ago
This bank is garbage
I've opened a small business checking account with them. They didn't ask for any documents to open the account. I received 6,600$ in 3 ACH transfers sent out 1 ACH for $1,500$ my account got frozen. Then they just closed the account due to "fraud". This is a waste of time. They're refusing to let me send out the ACH "remaining balance will be sent via mail check". Now I need to wait 1 month for my check with my legit money. Again they CLOSED the account with less than $10,000 transactions due to "fraud". Never even asked for drivers license or any docs. This bank is trash. If your business earns more than 1K use Novo or BlueVine save yourself time.
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timothy patrick
2 months ago
Dropping below the lowest standard of service and product…
A really terrible customer service and software based experience. I got NAV after a referall from my credit cards underwriter. Since our business bank filed our llc improperly 5 years ago, we had to make up for lost time. We thought and were told that NAV was the answer and they did a bunch of services that they did not follow through on. Although the people were nice, they would hand off and hand off until your subscription is up. I got the best plan with the business funding which included all the others including boost. When I went to use those features I was told to purchase that service even though mine came with it Included. They also promised and multiple times mentioned that they make sure our business is listed with the business credit beauroughs properly. They didn’t and we had to to all the leg work. We also were constantly getting Bombarded with paid advertisers on Navs site which led us to getting personal credit cards instead of business. Instead of listing it as a personal credit account they were posed as business lines and cards and ended up on just my (CEO)s credit which we continually have to use even though our credit score has went up due to a legal team we hired outside of NAV that also mentioned the trade lines were so weak that it wasn’t even worth the time or money spent. For 6 months I tried to get them to work the loan as they had originally planned with me and when our credit was at the highest and we had worked hard to get it to a admirable state of affairs, NAV was nowhere to be found. They comped part of my second terms usage and then shut off my NAV account completely even though the date was superseded by the prorated amount. I have 8 email chains by 8 service representatives that all promised to get back with me after we had pulled all of our paper work and bank statements along with a ton of other references. They didn’t even acknowledge the email. As a professional B2B service and production house, I would not recommend NAV unless you have random marketing dollars to just throw around for write offs. No legitimate company with less then horrible services. Or no service. We got 0 out of this and would like a full refund. However now that I’m not a full member they have nothing to do with any of our messages. Sad this day companies are ripping other legit b2b and C businesses off for money they could be using to legitimize the economy and service in our country. Shame on you NAV.
D
devin shelton
2 months ago
Don't waste your time
Don't waste your time. I was contacted by the company and offer funding. I agreed to applied. I completed the application the same day of the call upload all documents requested. 2 days later D L undberg, contacted me sounding as if he was reading from a script without reviewing my application. Stating I needed to upload required documents (i.e bank statements,ect). I advised him during the call those were already uploaded. Since that day which was over 7 days ago he never reached back out with an update. I've emailed, left messages, and he responded once to my email stating he had left me a voicemail. That was NOT the truth. Overall my experience was less than unprofessional - considering I didn't contact the company for funding. They contacted me. But, to take my personal business information and not follow up with a decline or approval is very unprofessional. What is the company doing with my information? It's surely not to find funding.
I
iris smith
5 months ago
NOT WORTH IT! I am a business owner and used NAV…
I am a business owner and used NAV intially for business credit growth which was great. I received an email inviting me to apply for the Business Checking account thinking that they would have great products and benefits bridging from their initial product. They have no business benefits it is only storage for cash- they have no dashboards for business activity, they have no other products tied to a checking account. It is only a place where your money comes and goes. They don't even have a mobile banking app. They have a lot of work to do with the product.
J
jerad lovett
6 months ago
Broken Promises Everywhere
This company promises quick results, quick financing options. They drug me on and on for 5 weeks, ignored phone calls and emails. All I wanted was a yes or a no so I knew how to move forward with my business. Completely awful experience. That's what I get for using an online broker.
M
mr. roger smith jr
6 months ago
My representative Antonio was awesome…
My representative Antonio was awesome and performed above and beyond today helping me through my process
R
roman
6 months ago
Nav always meet my expectations they…
Nav always meet my expectations they always go above and beyond to help.
L
luther
6 months ago
Best
Always helpful
M
ms. baker
7 months ago
Zach was professional!
Zach was professional and knew what he was doing. Thank you for such great customer service!
C
cp dollars
7 months ago
Very informative
Very informative
C
customer in chicago
7 months ago
So far so good
First experience but 100 percent satisfied and looking forward to a beneficial partnership
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luxuriously natural soaps
7 months ago
Very knowledgeable
Very knowledgeable, was able to answer my questions. Seem to understand my feelings.
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ervin management group llc
7 months ago
He was polite
He was polite, knowledgeable, and precise, and he answered all my concerns.
T
theardis nelson ii
7 months ago
Taryn was awesome !
Taryn was awesome !
E
excellent services
7 months ago
Excellent 👌 customer service
Excellent 👌 customer service
S
steve gill
7 months ago
Nav is a very good company
They called me back today and explain things to me how I could help my business credit rating and score
E
evelyn nelson
7 months ago
Pleasantly knowledgeable with patience!
Pleasantly knowledgeable with patience!
M
marquita
7 months ago
Love NAV
I appreciate the rep patience with me & she walk me through in the areas I needed help in
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fresh lawncare
8 months ago
The representative was very… Knowledgeable
The representative was very knowledgeable and informative about business credit and understood my needs for my business
H
herdjy louis jean
8 months ago
Best customer service
Best customer service experience ever very efficient and professional
S
seven media pro
8 months ago
Amazing Services and Customer Services
Amazing Services and Customer Services
A
assets ventures llc
8 months ago
great the best that have done it
great the best that have done it
L
layouke davis
8 months ago
I had a very good experience I’m glad…
I had a very good experience I’m glad there are still people in the world with great customer service skills.
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renetta dobine
8 months ago
I am happy with finally getting…
I am happy with finally getting finished with setting up my account
K
karl dotey
8 months ago
Customer service is rather great
Customer service is rather great. They do go above and beyond to make the phone call easy.
A
angel gentle
8 months ago
Excellent customer service
Excellent customer service
A
alija ademovic
8 months ago
Called about a paying subscription not…
Called about a paying subscription not showing up, Fletcher did a amazing job walking me through.
C
chris winston
8 months ago
Great customer service
Great customer service
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kenneth frith
8 months ago
There were duplicate Credit Reports on…
There were duplicate Credit Reports on my company Taryn was very helpful in providing a clear understanding of how to clear up my issue.
A
aaron justice
8 months ago
He was very helpful and insightful
He was very helpful and insightful, excellent customer service
K
kim williams
8 months ago
I absolutely love Nav!
I absolutely love Nav!! Great customer service I highly recommend them for business owners
V
veta
8 months ago
Nestor was professional
Nestor was professional, empathetic, an active listener, answered my questions and extremely patient. He is an example of what type of attributes that are missing in customer service field presently. Nestor, keep up the good work.
P
posh
9 months ago
Great services and customer service
Great services and customer service! Very easy to work with for business.
K
katie “katie g” stanton
9 months ago
Fabulous customer service
Nav is a great app, I like how user friendly it is. I enjoyed being able to speak with a person over the phone. She was knowledgeable and wellspoken.
D
darryl evans
9 months ago
Nav provided great customer service…
Nav provided great customer service that made me feel valuable and appreciated concerning my company business.
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noel benoit priscilla's pantry
9 months ago
NAV App is N.ot A. V.ery Good Experience
The NAV app never loads completely on my iPad or iPhone or Android phone. It tells me I have funding offers, but it wants to restart an application every time and won't show me the offers. Very frustrating. I will be unsubscribing from NAV.
H
hugh isaacs
9 months ago
Very professional people
Very professional people
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chris mccoy
9 months ago
Highly recommend using Nav
I've been subscribing to Nav's paid plan for about a year now. I was using their free plan for years before that. Nav is great for being able to track business credit. Their higher tier plan also helps with building credit through an open account. I've exchanged emails with the support team, too, and they are always fast to respond.
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whistleblower louisiana
9 months ago
Hurry
Have no problem with this company. Customer service is on point
B
bee rive
9 months ago
The Nav Team
The Nav Team is awesome. A office full of professionals. Thank you Nav Team. Bobby R.
A
autumn lathon
9 months ago
Great worker
Great worker, really informative. Thanks Radolfo for going above and beyond!
L
little black diamondz
10 months ago
Nestor was friendly
Nestor was friendly, patient, and knowledgeable
B
bishop talks
10 months ago
NAV for business is doing a awesome job…
NAV for business is doing a awesome job with the information for your business needs
K
karl dotey
10 months ago
Nav is a really good business keeper…
Nav is a really good business keeper for scores and accounts. People at nav exceed better then credit card companies to take care of customers
M
marla green
10 months ago
My Experian score unexpectantly dropped…
My Experian score unexpectantly dropped 50+ points for no reason. My report showed no discrepancy, and I knew I had not been late. I called into Nav and spoke to Fletcher. He was patient, kind, and quickly found the problem. He was able to fix it for me. I instantly felt the value in my fees. Fletcher also gave me recommendations and asked about my purpose with Nav. Instead of rushing me off the phone, he made sure I had no more questions. He was professional and efficient. Nav ROCKS.
A
absolute airbrush designs
10 months ago
Awesome service when phoned in for…
Awesome service when phoned in for simple yet not obvious fix.
W
wanda d
10 months ago
NAV offers great services & Customer Service Reps
I reached out to NAV rather late in my day and I was thrilled they were yet there. My Customer Representative Meagan was wonderful to speak with. She is kind, caring, knowledgable and efficient! I enjoy navigating NAV's website, and I had some particular questions concerning the Lender Match's that I have been receiving. I appreciate the business services NAV offers and the pretty user-friendly web site they have. I look forward finding many funding opportunities through NAV's partner companies. Great website! I upgraded to the business boost without a second thought. Thanks, NAV.
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exit development inc.
10 months ago
Nav is the best!
Nav is the best!
d
donna level
10 months ago
The customer service experience has…
The customer service experience has been outstanding.
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selene gonzalez
10 months ago
I love this app
A great business tool
J
john mucheru
10 months ago
Since being a member of Nav
Since being a member of Nav, I've had positive experience all along. All their support staff are knowledgeable and point you to the right direction.
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butch kassedy
10 months ago
Great job knowledgeable
Great job knowledgeable
K
kenneth lewis
a year ago
The services offered are convenient…
The services offered are convenient beneficial and a true game-changer. Customer service help is second to none!
P
popol christian baende bonyang
a year ago
I'm still working on to succeed
I'm still working on to succeed. By tomorrow you will receive my complementary email
S
steve mingione
a year ago
DO NOT under any circumstances give NAV…
DO NOT under any circumstances give NAV any credit card info. You will play hell trying to stop reoccurring charges to your card. Even if you contact them directly to cancel your subscription.
E
enhanced permanent cosmetics
a year ago
Trash
Trash! Waste of money. Was charging my business account $130 quarterly and didn’t even know it
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bruce carter
a year ago
Once you sign up and pay for NAV...
Once you sign up and pay for NAV, you will likely endure serious frustrations utilizing their service. Their CASH FLOW page won't load so the one thing that could potentially have a huge impact on your company credit score is denied to you. Report this to their staff and you will be besieged by endless emails asking stupid questions like "Have you cleared your cache? Tried other browsers? Restarted your computer?" After repeating myself to Fletcher Davis - Customer Service Representative I gave up. He never did create a ticket to escalate my case to their developers and I finally gave up on NAV and signed up with their competitor. They get 2 stars for providing "some" free information but after submitting payment, all they did was waste my time and I accomplished nothing. Very disappointing.
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amy lynn
2 years ago
This company LIES!
Facts are in evidence, Edward DeAngelis hired a third party to spam me at a made up email address at my domain. Disappointing. Why doesn't anyone ever use a contact form anymore? He's not said a word pertaining this on their fan page or even here. They are trying to blame a made up party. Claiming a spammer would pay money to buy a domain only to spam and have it closed. No, spammers don't pay money to lose money. They would only spend money to MAKE money! AGAIN this company has issues! It's sad they can't admit to the fact they made a mistake by either hiring the third party to spam or doing it themselves. As I stated countless times, "Edward" has been silent I wonder why!
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trevor tasin
2 years ago
Does not help whatsoever in PPP loan…
Does not help whatsoever in PPP loan forgiveness. No search engine on their website either. I do not recommend at all.
A
ana *
2 years ago
Great company & very easy to contact…
Great company & very easy to contact customer service with any questions.
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michael a. darrett
2 years ago
Rich was Awesome
Rich was Awesome
N
nikato muirhead
2 years ago
Great presentation of data
I was very impressed with NAVI's presentation of my total credit picture, business and personal.
K
kevin mitchell
2 years ago
Good very knowledgeable
Good very knowledgeable
E
edgar
2 years ago
NAV is a great website to view credit…
NAV is a great website to view business credit reports, help improve credit score, and obtain business financing!!!
M
mykel edwards
2 years ago
New Customer
I haven't seen any change yet in building business credit, I paid for the service to see a change nothing has happened yet between them and D&B but I'm being patient, gonna wait to see one more month, but the customer service is great and they respond very quickly
G
gilbert cunningham jr
2 years ago
Perfect !
Perfect !! I had a few questions which were answered and I was helped with some other things that could help my business
B
bailey family
2 years ago
Excellent site and has all that’s need for business and personal credit scores/reports.
I was able to obtain all the information I needed in order to apply for a business loan and funding.
C
charles parsons
2 years ago
More options
More options. I was hoping to find a person to speak with on text messaging in stead of a computer I had a technical question and I’m not able to get any answer for.
S
steve mariotti
2 years ago
Nav is an excellent site .
Nav is an excelent site that captures not only your personal scores but also your business creddit scores. The team at Nav is knowlegable and easy to work with;they also have a knack for teaching. I highly recommend this company.steve mariotti
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courtney arnold dc
2 years ago
Great customer service
Great customer service, products, & services.
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warren pearson houston
2 years ago
Great job
Great job, all question answered
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lemuel taylor
2 years ago
Amazing all the way around the board.
Amazing all the way around the board.
M
melissa jordan
2 years ago
I spoke to Mallory
I spoke to Mallory, she was patient with me. She took the time to explain several things to me. I feel like I left that interaction knowing everything, I needed to know.
W
william eldridge
2 years ago
Easy to utilize
Easy to utilize
Q
quontez randk
2 years ago
Melinda was awesome
Melinda was awesome
L
larry vercher
2 years ago
Excellent service every time
Always get the help I need when contacting them.
D
daniel
2 years ago
Thank you the best customer service
Thank you the best customer service
S
simple cash offr
2 years ago
Had a great experience
Had a great experience, operator was very helpful and gave me action steps to get me closer to my goals
D
dolapo rinola
2 years ago
The website is good and direct
The website is good and direct
B
building better homes
2 years ago
Thank you toms Mallory a thousand times…
Thank you toms Mallory a thousand times because of her genuine care I will be telling all my colleagues and friends about nav services
J
jalissa tello
2 years ago
AMAZING CUSTOMER SERVICE
Amazing customer service and everyone is so knowledgeable!
S
steve mingione
2 years ago
Always helpful
My experience with NAV has always been positive and would recommend any small business owner to sign up for their services.
c
customer
2 years ago
My password was messed up and locked me…
My password was messed up and locked me out and I called and received instant help and was back online in less than 1 minute. Thanks for the great help!
D
doug mullennix
2 years ago
Paola was very helpful and…
Paola was very helpful and knowledgeable.
J
justin hughes
2 years ago
Diego
Diego was very helpful and knowledgeable.
S
samira keith
2 years ago
Nav is the key to much success
Nav is the key to much success
A
andy's angels
2 years ago
Great service
My service representative Mallory was extremely pleasant and patient.
S
secure luxury management llc
2 years ago
Great supoort
Thank you for your great support and customer service. Thank you for helping with my business credit!
I
iamronnie wells
2 years ago
Very user friendly and you find out…
Very user friendly and you find out things you didn’t know that will benefit your business.
E
emilio rodriguez
2 years ago
VERY PROFESSIONAL AND INFORMATIVE.
VERY PROFESSIONAL AND INFORMATIVE.