“Can a business credit intelligence platform become the primary financial hub for small business owners by combining credit monitoring, lending marketplace, and embedded banking?”
Founded in 2012 as Creditera, Nav rebranded and repositioned as a 'Credit Karma for small businesses,' offering free access to personal and business credit reports and scores. The company then expanded into a financing marketplace, matching small business owners to lending products based on their credit profile and approval odds. Nav has since integrated embedded banking infrastructure via Unit and lending partners like Fundbox to deepen its financial services stack for SMBs.
Nav discloses Unit as its banking provider, according to the Embedded Finance Index 2026.
Nav does not disclose a bank charter of its own; its banking services are provided through Unit.
Nav's lending and capital products are provided by Fundbox.
The Embedded Finance Index 2026 maps 2 layers in Nav's stack: Banking / BaaS (Unit); Lending (Fundbox, Business financing marketplace and Lending matches based on approval odds).
Nav was founded by Levi King and is founded in 2012, headquartered in San Mateo, CA, USA.
Nav has raised $100M+ in total (latest round: Secondary - Private).
Get a read on where your own stack stands against Nav and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.