Nav Small Business Loans Review

Rating: 9.3 / 10 (Excellent)
8 Customer Comments & Reviews - see all comments
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Nav is a Utah-based business financing company that helps business owners to manage their credit and obtain easy access to financing, at no cost to them. Their mobile app provides personal and business credit reports and monitoring, as well as tools to help build better business credit. Nav's marketplace matches users to lending options based off their approval odds.

How is Nav rated?


Loan Options
Application Process
Rates & Fees

Overall Rating: 9.3 / 10 (Excellent)

Nav certainly has a user friendly interface, not to mention the ability to compare and contrast appropriate small business loans in one place. The service is, however, little more than a filtering mechanism for finding lenders. The few online customer reviews that are available refer to the company's credit card matching service. Nav could be a useful tool for those just starting the small business loan search to get an idea of the landscape and what to expect, but ultimately it makes more sense to proceed directly with the lender.

Loan Options

Available Loan Types

SBA Loans
Term Loans
Lines of Credit
Invoice Financing
Merchant Cash Advances
Equipment Loans

Loan Options - 9.4 / 10

Nav offers credit reporting, information, and advice to small businesses. The company also has a section on its website that is a marketplace for small business loans. Nav can provide access to most types of small business loan products. The company partners with top providers such as Ondeck, Kabbage, and Fundbox, in order to find the best option possible. Although terms and amounts depend wholly on the lender, Nav has an online interface that is more useful than most marketplaces. Much like a travel website, you can input specifics of your desired loan (i.e. amount, funding speed, need APR) and Nav will automatically tailor the list so you only see relevant offers.

Nav Rates & Fees

SBA Loans


Rates & Fees - 9.3 / 10

Nav allows you to filter offers by APR, giving the choices of average, high, and very high. Actual numbers, however, depend on the lender that's ultimately chosen. All lenders have differing rates, fees, and term lengths that will affect APRs. For a better picture, it might be prudent to directly research the websites of the companies Nav connects you with.

Application & Qualifications

Online Application
Funding Time
A few days to 3+ months.

Application Process - 9.3 / 10

Nav provides a basic questionnaire to filter small business loan offers. By filling out credit score, loan amount, desired funding speed, APR, and purpose of loan, Nav can generate a refined list of lenders to meet a particular customer's needs more accurately. However, approval time, funding time, and qualification requirements all depend on the chosen lender.

Nav Reputation

Customer Feedback

TrustPilot Score
7.9 out of 10
Date Collected

Reputation - 9.4 / 10

Nav has an excellent Trustpilot score, but not a significant number of reviews. Additionally, the company has no BBB entry. There is not much in the way of any feedback concerning Nav. As with APRs, since you will ultimately be dealing directly with the chosen partner lender, it's a good idea to do your own research on their reputation.

Contact & Additional Information

Homepage URL
Company Phone
(855) 226-8388
Headquarters Address
12936 S. Frontrunner Blvd, Suite 550, Draper, UT, 84020
Year Founded

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8 Customer Comments & Reviews

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Jamison N
Riverton, Utah
I check my credit scores on a daily basis thanks to Nav, and have seen them go up as a result. Their customer service team is first-rate and the site is easy to use and pretty to look at. I've recommended Nav to multiple small business owning friends and they've had experiences similar to mine.

Gerri D
Sarasota, Florida
I found out about Nav when I was writing my book Finance Your Own Business: Get On the Financing Fast Track. I signed up for the service and was blown away. Finally a free way for business owners to understand and manage both their business and personal credit, as well as find financing offers. I told my coauthor we definitely needed to tell our readers about it; we included it in our book. I didn't know at the time that I'd end up working at Nav, but I felt their mission and service was compelling and ended up joining their team so that I could be part of their movement to reduce the death rate of small businesses. So I started out as a customer and am not also part of the team.

Shengzi W
San Mateo, California
My Consulting Business has been running since 2015. I never thought of getting a business credit card other than the one that came with my business account at Wells Fargo. Nav's Marketplace showcases a wide range of business credit cards and told me which ones I'd most likely qualify for based on my credit scores. Now I have a great card and am earning rewards for every dollar I spend running my business.

Sean C
San Mateo, California
I did not even know that Business Credit Scores existed! Thanks to Nav I have been checking my scores and doing some of the tasks they told me to do and my scores have improved enough for me to qualify for an SBA loan! So so happy i found them.

Scott W
Riverton, Utah
Nav provides free tools to help understand your personal and business credit score and they also show you where you can get financing. This is a must for anyone trying to grow their business!

Riverton, Utah
Nav is the a diamond in the rough. Being a small business owner is hard. Figuring out how personal and business credit works and then trying to get business financing is absolutely crazy. Nav makes it so easy to understand. They provide amazing educational content, free credit monitoring, tools for building your business, and people you can work with to get advice. It's freaking incredible!

Tiffany C
Riverton, Utah
Nav gave me the guidance that I needed to get funded. Now my business is doing well and thanks to them I have the education I need to be a successful small business owner.

Joel J
Riverton, Utah
Nav is the only business loan site that helps make decisions based on actual credit scores. It's great to get recommendations BEFORE credit is pulled and apps are filled out.

Top Rated
Our Partner
9.6 / 10
  • Our #1 Choice: A+ BBB Rating - 9.4 of 10 on TrustPilot
  • Largest Small Business Online Lender - 50k+ Customers
  • Loans up to $500k, and Lines of Credit up to $100k
  • Decision in minutes - no obligation
  • Funding in as fast as 24 hours
  • Must have 100k in revenue, minimum 12 mo in business, 500+ Fico