generated: '2026-08-26'
method: searched
source: https://www.nav.com/nav-prime/
checked: '2026-08-26'
summary: >-
  Nav publishes retail prices for its END-USER subscription product (Nav Prime) but publishes NO
  price, tier, quota or overage for API or partner access. The two are different products and this
  file records both facts, because a reader who sees "prices published" for Nav could otherwise
  assume the API is self-serve priced. It is not: the Partner API and the widget SDK are sold
  through "Book a demo" on the Embedded Business Credit page, keys are issued by an account manager
  during onboarding, and the partner economics are described only as "a wholesale pricing model" for
  reselling Nav Prime.
api_pricing:
  published: false
  self_serve: false
  gate: partner agreement + account-manager onboarding
  cta: Book a demo
  cta_url: https://www.nav.com/embedded-business-credit/
  partner_model_statement: >-
    "Offer Nav Prime via a wholesale pricing model with the option to bundle services, upsell
    premium experiences, or enhance membership offerings for your customer base."
  plan_code_note: >-
    Partner-specific plan codes (e.g. "my_company_standard") are provisioned during onboarding and
    referenced by POST /v1/accounts and PUT /v1/accounts/{accountId}/plan. The catalogue of plan
    codes is per-partner and is not published, and no API operation lists them.
plan_count: 4
prices_published: true
prices_scope: end-user retail subscription (Nav Prime), not API access
currency: USD
billing_period: month
billing_alternative: 'quarterly — Nav states quarterly billing saves 20%'
public_signup_pricing: true
plans:
- name: Free
  price: 0
  currency: USD
  billing_period: month
  positioning: '"Start for free with basic tools"'
  included_quota: null
  overage: null
  limits: 'Basic tools only; the specific feature set of the free tier is not itemised on the page.'
- name: Track
  price: 39.99
  currency: USD
  billing_period: month
  positioning: For new or established businesses looking to monitor credit.
  included:
  - 5 credit scores, alerts and reports from D&B, Experian, Equifax and TransUnion
  - Exclusive discounts on fees from Nav's lending partner
  included_quota: null
  overage: null
- name: Build
  price: 49.99
  currency: USD
  billing_period: month
  badge: Popular
  positioning: For growing businesses looking to build business credit with up to 2 tradelines.
  included:
  - 5 credit scores, alerts and reports from D&B, Experian, Equifax and TransUnion
  - Exclusive discounts on fees from Nav's lending partner
  - One tradeline to build business credit (the membership payment itself)
  - Bookkeeping tools for cash flow and tax prep
  - Nav Credit Builder Card (in beta, not included at signup)
  included_quota: null
  overage: null
- name: Expand
  price: 74.99
  currency: USD
  billing_period: month
  positioning: For businesses seeking 1-on-1 guidance.
  included:
  - Everything in Build
  - Business Credit Coaching
  - FICO SBSS score to track eligibility with 7,500+ lenders and the SBA
  included_quota: null
  overage: null
notes:
  card_product: >-
    The Nav Credit Builder Card is serviced by Parafin, issued by Column N.A. (Member FDIC) under a
    Visa U.S.A. licence and powered by Marqeta. Nav Technologies is a financial technology company,
    not a bank.
  lending_partner: >-
    Loans and lines of credit are made available by Fundbox or its bank partners, First Electronic
    Bank and Lead Bank.
  licence: >-
    "California loans arranged pursuant to Department of Financial Protection & Innovation Lenders
    License 60DBO-98588."