Nav

Nav Technologies, Inc. is a US financial-technology company (not a bank) that gives small business owners one place to see their business and personal credit, cash-flow health and funding eligibility, then matches them to a marketplace of financing and business credit card offers. Consumer-facing products are Nav Prime (business credit building with tradelines, five bureau scores from D&B, Experian, Equifax and TransUnion, bookkeeping and a FICO SBSS score), the Nav Credit Builder Card and a mobile app. The developer surface is the Nav Partner API — a REST API at api.nav.com used by embedded-finance platforms to create Nav accounts, change plans, end a partner relationship, resolve bureau credit visibility and mint single-use SSO tokens — together with the @navinc/widget-sdk embeddable widget SDK, which renders Nav business-credit UI inside a partner's own application as the custom element. Access is partner-gated: API keys are issued during onboarding and there is no self-serve developer signup.

Nav is listed with 1 API on the APIs.io network. Tagged areas include Business Credit, Small Business, Financial Services, Embedded Finance, and Lending.

Nav’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 24 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

44.4/100 developing ▬ flat Agent 11/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 API

Business Credit Small Business Financial Services Embedded Finance Lending Credit Score Credit ReportingFinancing MarketplaceFintech Partner API

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 44.4/100 · developing

Contract Quality 0.0 / 21

Developer Ergonomics 12.1 / 17

Access Clarity 14.3 / 17

Operational Transparency 2.6 / 11

Contract Governance 1.9 / 10

Discoverability 5.6 / 9

Regulatory Posture 3.7 / 15

Agent readiness — 11/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Operational Transparency scores 23.7 — up to +9.9 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/nav/apis.yml: open an issue on github.com/api-evangelist/nav to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	builds-on	17.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Nav Partner API

REST API for Nav partner integrations. Partners authenticate with a Bearer token API key issued during onboarding and use it to create Nav accounts for their users, fetch accoun...

Nav API pricing

Prices published by Nav, read 2026-10-28 from www.nav.com/nav-prime/.

Plan	Price
Free	$0/ mo Includes: Basic business credit ranges from D&B, Creditsafe, Experian, and Equifax; 1 personal credit score fr
Track	$39.99/ mo Includes: Prime membership tradeline; 7 credit scores and report data; funding readiness assessment; lending p
Build	$49.99/ mo Includes: Tradeline; Nav Credit Builder Card (beta); 7 credit scores; bookkeeping tools; lending partner disco
Expand	$74.99/ mo Includes: 1-on-1 monthly coaching; tradeline; Credit Builder Card (beta); FICO SBSS; 8 credit scores; bookkeep

Plan details, limits and sources →

Billed by: subscription · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Nav Plans Pricing

4 plans

PLANS

Nav Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Nav Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Nav Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Nav Authentication

apiKey · 2 schemes

SECURITY

Nav Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Lifecycle

Components

Conformance

Conventions

Idempotency

ErrorCatalog

ErrorCatalog

DataModel

Scroll for all 8

Build 2

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

Deprecation

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: nav
name: Nav
description: 'Nav Technologies, Inc. is a US financial-technology company (not a bank) that gives small business owners one
  place to see their business and personal credit, cash-flow health and funding eligibility, then matches them to a marketplace
  of financing and business credit card offers. Consumer-facing products are Nav Prime (business credit building with tradelines,
  five bureau scores from D&B, Experian, Equifax and TransUnion, bookkeeping and a FICO SBSS score), the Nav Credit Builder
  Card and a mobile app. The developer surface is the Nav Partner API — a REST API at api.nav.com used by embedded-finance
  platforms to create Nav accounts, change plans, end a partner relationship, resolve bureau credit visibility and mint single-use
  SSO tokens — together with the @navinc/widget-sdk embeddable widget SDK, which renders Nav business-credit UI inside a partner''s
  own application as the <nav-credit-widget> custom element. Access is partner-gated: API keys are issued during onboarding
  and there is no self-serve developer signup.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://api-docs.nav.com/img/nav-logo-on-light.svg
url: https://raw.githubusercontent.com/api-evangelist/nav/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-26'
modified: '2026-08-26'
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
x-docs-hosting: fastly
tags:
- Business Credit
- Small Business
- Financial Services
- Embedded Finance
- Lending
- Credit Score
- Credit Reporting
- Financing Marketplace
- Fintech
- Partner API
tags_raw:
- Business Credit
- Small Business
- Financial Services
- Embedded Finance
- Lending
- Credit Scores
- Credit Reporting
- Financing Marketplace
- Fintech
- Partner API
- Financial-Services
apis:
- name: Nav Partner API
  description: REST API for Nav partner integrations. Partners authenticate with a Bearer token API key issued during onboarding
    and use it to create Nav accounts for their users, fetch account state, change an account's plan, end the partner relationship,
    resolve rolled-up bureau credit visibility for an account's business, manage the widget origin allow list, and mint single-use
    SSO tokens and login URLs (2-minute expiry) that hand a user into Nav or into an embedded Nav widget. Nine documented
    operations under /v1 with a matching sandbox environment. Nav publishes no machine-readable OpenAPI description of this
    API; the reference is hand-authored documentation.
  humanURL: https://api-docs.nav.com/docs/rest-api/partner-api
  baseURL: https://api.nav.com
  tags:
  - Business Credit
  - Embedded Finance
  - Partner API
  - Account
  - SSO
  tags_raw:
  - Business Credit
  - Embedded Finance
  - Partner API
  - Accounts
  - SSO
  properties:
  - type: Documentation
    url: https://api-docs.nav.com/docs/guides/intro
  - type: APIReference
    url: https://api-docs.nav.com/docs/rest-api/partner-api
  - type: Authentication
    url: authentication/nav-authentication.yml
  - type: Conventions
    url: conventions/nav-conventions.yml
  - type: Idempotency
    url: conventions/nav-conventions.yml
  - type: DataModel
    url: data-model/nav-data-model.yml
  - type: ErrorCatalog
    url: errors/nav-problem-types.yml
  - type: RateLimits
    url: rate-limits/nav-rate-limits.yml
  - type: Sandbox
    url: sandbox/nav-sandbox.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/nav-domain-security.yml
- type: Website
  url: https://www.nav.com/
- type: DeveloperPortal
  url: https://api-docs.nav.com/
- type: Documentation
  url: https://api-docs.nav.com/docs/guides/intro
- type: APIReference
  url: https://api-docs.nav.com/docs/rest-api/partner-api
- type: GettingStarted
  url: https://api-docs.nav.com/docs/widgets/getting-started
- type: Support
  url: https://help.nav.com/en/
- type: Blog
  url: https://www.nav.com/blog/
- type: Pricing
  url: https://www.nav.com/nav-prime/
- type: SignUp
  url: https://app.nav.com/registration/
- type: Login
  url: https://app.nav.com/login/
- type: TermsOfService
  url: https://www.nav.com/terms/
- type: PrivacyPolicy
  url: https://www.nav.com/privacy/
- type: StatusPage
  url: https://status.nav.com/
- type: Deprecation
  url: lifecycle/nav-lifecycle.yml
- type: Lifecycle
  url: lifecycle/nav-lifecycle.yml
- type: Packages
  url: packages/nav-packages.yml
- type: SDKs
  url: packages/nav-packages.yml
- type: Components
  url: components/nav-components.yml
- type: Conformance
  url: conformance/nav-conformance.yml
- type: Plans
  url: plans/nav-plans-pricing.yml
- type: RateLimits
  url: rate-limits/nav-rate-limits.yml
- type: Sandbox
  url: sandbox/nav-sandbox.yml
- type: Conventions
  url: conventions/nav-conventions.yml
- type: Idempotency
  url: conventions/nav-conventions.yml
- type: Authentication
  url: authentication/nav-authentication.yml
- type: ErrorCatalog
  url: errors/nav-problem-types.yml
- type: ErrorCatalog
  url: errors/nav-error-codes.yml
- type: DataModel
  url: data-model/nav-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/nav-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/nav-llms.txt
x-enrichment:
  date: '2026-08-26'
  status: enriched
  artifacts_added: 16
  pass: local-v1

Nav API — frequently asked questions

Does Nav have an API?

Yes. APIs.io lists 1 API from Nav, including Nav Partner API.

How do I authenticate with the Nav API?

Nav uses bearer-token authentication (apiKey · 2 schemes). The details are profiled on APIs.io as Nav Authentication.

How much does the Nav API cost?

Nav publishes its prices; its Free plan is $0/ mo as of 2026-10-28. APIs.io lists 4 pricing plans for Nav, with each plan's price, limits and inclusions under Pricing on this page.

Is the Nav API ready for AI agents?

Nav has a Kin Score of 44.4 out of 100 (developing) and an Agent Readiness score of 11.2 (agent-aware), scored by API Evangelist on 2026-11-06.

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