# Nav

**Canonical:** https://apis.io/providers/nav/  
**Website:** https://www.nav.com/  
**APIs profiled:** 1

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.

## Kin Score — 41.7 / 100 (developing)

Scored 2026-09-02 under rubric 0.18.0. Trend: flat (+0.0 from 41.7).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 76.3 |
| Access Clarity | 76.3 |

## Agent readiness — 12.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (1)

- **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...

## MCP servers (1)

- **Nav MCP Server**

## Security (2)

- **Nav Authentication** — apiKey · 2 schemes
- **Nav Domain Security** — TLSv1.2 · HSTS · DMARC

## Plans (1)

- **Nav Plans Pricing**

## Tags

Business Credit, Small Business, Financial-Services, Embedded Finance, Lending, Credit Scores, Credit Reporting, Financing Marketplace, Fintech, Partner API

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/nav/). Scores are computed from the provider's own public artifacts under a published rubric.