Is Nav a direct funder or a broker?

Nav is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue Nav will fund?

Nav's published floor is Any in average monthly revenue, with 0 months minimum time in business. Credit score floor is Any (Nav shows your business + personal credit). These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Nav fund?

Nav's public speed quote is Pre-qualification immediate; funding varies. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to Nav or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Nav, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

Nav Review 2026 — Rates, Terms, Honest Verdict

Best for: Comparing funding options alongside your business credit score. Amount range: Varies by underlying lender. Speed: Pre-qualification immediate; funding varies. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Nav ranks #21 in our 2026 funder ranking. Best for founders early in business credit building who want both monitoring + funding matchmaking in one tool. also useful for comparing your borrowing power across products. The strength: Unique angle: combines lender marketplace with business credit monitoring (Experian, Equifax, D&B). The watch-out: Match algorithms can be opaque — sometimes 'pre-qualified' offers are denied at underwriting.

Nav rate card 2026

Category	Marketplace
Best for	Comparing funding options alongside your business credit score
Amount range	Varies by underlying lender
Cost (factor / APR)	Varies; shows pre-qualified offers based on your profile
Speed to fund	Pre-qualification immediate; funding varies
Min time in business	0 months
Min monthly revenue	Any
Min credit score	Any (Nav shows your business + personal credit)

The strength — what Nav does better than anyone

Unique angle: combines lender marketplace with business credit monitoring (Experian, Equifax, D&B). Shows your profile-matched funding options based on actual credit data. Free tier available.

The watch-out — what Nav doesn't put in marketing

Match algorithms can be opaque — sometimes 'pre-qualified' offers are denied at underwriting. Premium tiers are expensive ($30-150/mo) relative to free alternatives like Credit Karma + Lendio.

Who Nav is best for

Founders early in business credit building who want both monitoring + funding matchmaking in one tool. Also useful for comparing your borrowing power across products.

Who shouldn't apply

Merchants ranking solidly above Nav's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Nav actually makes sense.

How Nav compares to the rest of the top 10

Funder	Category	Cost	Speed
Nav (this funder)	Marketplace	Varies; shows pre-qualified offers based on your profile	Pre-qualification immediate; funding varies
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask Nav before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is Nav a direct funder or a broker?: Nav is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue Nav will fund?: Nav's published floor is Any in average monthly revenue, with 0 months minimum time in business. Credit score floor is Any (Nav shows your business + personal credit). These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Nav fund?: Nav's public speed quote is Pre-qualification immediate; funding varies. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to Nav or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Nav, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's Nav's biggest weakness vs alternatives?: Match algorithms can be opaque — sometimes 'pre-qualified' offers are denied at underwriting. Premium tiers are expensive ($30-150/mo) relative to free alternatives like Credit Karma + Lendio.

Nav — honest 2026 review.