Nav review
Updated September 30, 2026 · BorrowCue Editorial Team · Facts checked September 30, 2026
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Our verdict
Nav is a US marketplace that puts a business in front of many lenders rather than lending itself, so the rate depends on which lender answers. Checking a quote runs on soft prequal rather than a hard search, and the median APR across listings sits at 16%.
Key facts
- Best for
- Comparing business lenders and a credit line without a hard credit search.
- Arrangement fee
- 1% discount on fees for Nav Prime members drawing on Nav Loans (Source, checked September 30, 2026)
- Credit check
- Soft prequal (Source, checked September 30, 2026)
- Lender type
- Marketplace (Source, checked September 30, 2026)
- Loan types
- Business, Credit-line, Cash-advance (Source, checked September 30, 2026)
- Legal entity
- Nav Technologies, Inc. (Source, checked September 30, 2026)
- Headquarters
- United States (Source, checked September 30, 2026)
- Support channels
- Email, Help-centre (Source, checked September 30, 2026)
- Features
- Credit line
- Official website
- nav.com
Apps and profiles
Pros and cons
Pros
- A quote check uses soft prequal, the lighter route next to the hard search that accounts for 66.1% of listings.
- The offer spans a credit line alongside business borrowing and a cash advance, listed in business, credit line and cash advance, so a business can match the product to the gap rather than take what is offered.
- Nav offers a discount on fees for Nav Prime members drawing on Nav Loans, while Vivus publishes an origination fee of 0 EUR (credit line disbursement fee) on its credit line.
- Marketplaces make up 10.6% of lenders on the comparison, so a business that genuinely wants to compare lenders is going slightly against the grain.
Cons
- Support runs on email and help centre only, while phone lines appear on 89.8% of business loans listed, so a stuck draw waits on email.
- Nav is a marketplace, so the platform sets no rate of its own and the final cost sits with whichever lender answers.
- The only stated fee arrangement is a discount for Nav Prime members drawing on Nav Loans, so a non-member has no single figure to set against Plazo's origination fee of 0 EUR or the origination fee at AXI Card of 0 EUR (card issuance and annual maintenance).
- A cash advance sits in the business, credit line and cash advance mix, yet the largest cash advance in this group reaches only €3,100.39 beside the €1,860,234.39 reached by business loans.
Who it suits
- Small US businesses that want a profile checked against many lenders in one place.
- Businesses planning around a credit line rather than a single large advance.
- Owners prepared to join Nav Prime, since the stated fee arrangement rewards members drawing on Nav Loans.
Who should look elsewhere
- A reader after card borrowing rather than a business line would suit AXI Card Tarjeta y Credito, with an origination fee of 0 EUR (card issuance and annual maintenance).
- A reader who wants one lender's fee in writing rather than a set of offers from a network would suit Vivus, with an origination fee of 0 EUR (credit line disbursement fee).
- A reader who wants a single stated charge to plan a budget around would suit Plazo, with an origination fee of 0 EUR.
How your money is protected
Nav sits between a business and the lenders it introduces as a marketplace. That shape decides where the money sits: an offer comes from a named lender, the agreement is drawn with that lender, and the platform's work is matching and presenting rather than holding a balance. The California Department of Financial Protection and Innovation licence, 60DBO-98588, covers the platform's own conduct as the intermediary. A reader's protection therefore rests on two things that are not the same thing: the regulator's oversight of Nav, and the terms of whichever lender makes the offer.
Who regulates the lender
The regulator named is the California Department of Financial Protection and Innovation, with Nav listed under 60DBO-98588. Because Nav is a marketplace, it introduces lenders that set their own pricing, so this licence covers the party presenting the offers rather than the rate a business finally pays. A reader weighing this against a single named lender should still check that lender's own permissions, since the licence above speaks for Nav alone.
The company behind it
Nav is run as Nav Technologies, Inc., headquartered in the US, and its contact options are email and help centre. A help centre and email suit quick questions about a business profile, though anything urgent waits for a written reply. The California Department of Financial Protection and Innovation licence, 60DBO-98588, gives a named body to approach about the platform itself, which carries weight in a group where the lender behind the offer can change from one application to the next.
How Nav compares
8lends
Deudafix
myKredit
Dineria MX
DKB (Deutsche Kreditbank)
5in5
Multitude
Cashback Remortgage
TengeDa
Jeff.vn
Finbro
One Bridging Loans
MKB Bedrijfskrediet
Hypoteket
Renteradar
Bridgement
Mozzeno
Abakos
OneCredit KZ
MPOWA Finance
Srisawad
A money
Bom Pra Credito
Viva Credit
OK Zhongxun International
TF Bank EE
Crezu CO
Solcredito CO
Lendela SG
Meilleurtaux BE
Loan Hub India
Revolut
Where Nav is available
- Available
- United States
- Licence in United States
- California Department of Financial Protection and Innovation (60DBO-98588), checked September 30, 2026
Countries from the brand (Source, checked September 30, 2026)
Frequently asked questions
What is Nav?+
Nav is a US marketplace run as Nav Technologies, Inc.. It does not lend from its own balance: a business builds a profile, the platform introduces lenders, and each lender sets its own terms. The money and the contract sit with whichever lender answers, which is why two businesses with similar profiles can be quoted differently.
What will a business pay?+
It depends on the lender, and the spread is wide. The median APR across listings is 16%, the lower quartile is 6.63% and the upper quartile is 36%. A quote from Nav runs on soft prequal, so the figure you see first is an estimate until a lender runs its own check.
What fees apply?+
Nav's stated arrangement is a discount on fees for Nav Prime members who draw on Nav Loans, so membership changes what a draw costs. Vivus publishes an origination fee of 0 EUR (credit line disbursement fee) and Plazo an origination fee of 0 EUR, which gives a reader a fixed figure to weigh against.
Does checking a quote affect a credit file?+
A Nav quote uses soft prequal, the lighter of the two routes seen on the comparison, where hard checks account for 66.1% of listings and soft prequal for 25.1%. The harder search comes from the lender that takes an application forward.
Is the money safe?+
Nav is a marketplace, so funds come from a lender rather than from the platform, and the agreement is with that lender. The platform itself is licensed by the California Department of Financial Protection and Innovation under 60DBO-98588. A reader should weigh the lender's own terms as well as the platform's.
Which products are on offer?+
The mix runs to a credit line, business borrowing and a cash advance, so a business can either hold a limit or take a short draw. Cash advances occupy a small corner of this market, with €3,100.39 the largest such sum on the comparison, while business loans reach €1,860,234.39.
How do I get help?+
Contact runs on email and help centre, so questions about a business profile go by email or through the help centre. Phone lines are the more usual route in this group, appearing on 89.8% of business loans listed, which matters when a draw is stuck on the day it is needed.
Where does Nav operate?+
Nav is headquartered in the US and its licence is Californian, so the platform is built around a single market and the offers come from lenders there. A reader in another country would be looking at a different set of lenders entirely, and the Nav Technologies, Inc. entity is the one on the licence.
Sources
- nav.com checked September 30, 2026
Backs: Features, Legal entity, Arrangement fee, Licences
“Loans and lines of credit are made available by Fundbox or its bank partners”
- nav.com/about-nav checked September 30, 2026
Backs: Headquarters
“California 11 N Ellsworth Ave. San Mateo, CA 94401”
- nav.com/business-loans checked September 30, 2026
Backs: Credit check, Lender type, Loan types
“Oftentimes a personal credit check is a 'soft' credit check that doesn't impact your personal credit scores”
- nav.com/contact checked September 30, 2026
Backs: Support channels
“Review FAQs and get assistance from customer care. Visit Help Center; for questions about our Terms of Use, contact us at support@nav.com”
Compiled from 4 source pages, checked September 30, 2026. We did not open an account.
Not confirmed yet: APR, Loan amount, Term, Funding time, Representative example.