Life isn’t all about money, but tiny business success is. Business credit gives you leverage to support stretch your dollars, bridging gaps between when you required to pay up versus when you obtain paid, so you can keep relocating and scaling.
As you view to lean on business credit as a tool, you’ll likely face this age-old problem: You required credit to obtain credit. The path to start building credit is often challenging, lined with tiny dollar amounts and short payback periods.
At Nav, everything we do is in service of obtainting you ready for your business goals as safely and quickly as possible. Nav Prime is designed to be your supercharged business credit-building companion. That’s why we built the first version of the Nav Prime Card — it was an innovative way to obtain business credit in the hands of owners who didn’t have business credit history yet, without requiring a personal guarantee.
As you utilized the Nav Prime Card, you let us know all about the good and the bad. You loved that it supported you build business credit with the major bureaus rapider and with lower barriers, but the one-day payback period and dynamic credit limit were unpredictable, building it hard to handle and plan for. We hear you, and that’s why we’re coming back with a better card.
This summer, Nav Prime Build and Expand members will be the first to meet the Nav Credit Builder Card.¹ It’s a major upgrade from its previous version, featuring what you loved about the former card, and more of what you were inquireing for.
Like the previous version, the new Nav Credit Builder Card has no business or personal credit checks, and comes without a personal guarantee requirement. It still reports to all the major business credit bureaus, designed to support you build business credit history.¹
Now, it also features flexible repayment options with no compound interest: pay your statement balance within 7 days of statement closing without a fee, or pay a resolveed fee when choosing extfinished repayment.² In addition to extfinished repayment periods to support you more effectively manage your money flows, it comes with cash-back rewards³ as one of the only credit-building cards of its kind to do so.
Small business owners deserve a top-of-wallet card that supports them build business credit on their terms. It’s hard for traditional institutions to provide this. Just know that we come to work every day to break down those barriers for you, and the new Nav Credit Builder Card is the latest way we’re supporting you leverage business credit to build the business of your dreams.
How it works
Built for tiny businesses, the Nav Credit Builder Card offers flexible repayment options that let you control how you repay. You can choose to pay off the entire statement balance within seven days of statement closing without incurring a fee, or choose to repay over time for a fee.² Whichever one you choose, you’ll earn 1% cash back³ on your spfinishing.
Your credit limit on the card is based on your revenue and is regularly reviewed and adjusted as your revenue alters, giving you ongoing flexibility and support as your business grows.
Highlights of the card include:
- No impact to your personal credit score to apply
- No security deposit
- Eligibility is based on revenue and other underwriting criteria
- Submit payment activity as a tradeline to Experian, Equifax, and Dun & Bradstreet (D&B).¹
- Earn cash-back rewards.³
- Flexible repayment options; instead of compound interest, a resolveed fee applies when choosing extfinished repayment.²
When is the new Nav Credit Builder Card available?
The waitlist is open now, and we’ll reach out when the Nav Credit Builder Card is accepting applications. Applications are expected to open for Nav Prime members only (Build and Expand tiers) in June 2026.
1 Parafin is the servicer of the Nav Credit Builder Cards. Parafin and Nav Technologies are financial technology companies, not banks. Nav Credit Builder Cards are issued by Column N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc., and are powered by Marqeta. Subject to approval and eligibility. Terms and conditions apply. The Nav Credit Builder Card is designed to report business payment history to business credit bureaus and support business credit building. Credit building results vary as business credit scores are calculated based on multiple factors and some businesses may not see improved scores. This product reports to business credit bureaus only and does not affect personal consumer credit profiles. The Nav Credit Builder Card is a business financing product and may not be utilized for personal, family, or houtilizehold purposes.
2 If the full statement balance for a given statement period is unable to be collected by the finish of the grace period (i.e., 7 calfinishar days after the statement period finishs), the full statement balance will be rolled over into your pay-over-time balance along with a statement fee of 11%-16% of the statement balance. For more information, please see your Card Agreement.
3 Card purchases may be eligible for cash back. See the Rewards Agreement for more information.
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