Business credit and funding readiness

See the credit information that can shape your next funding conversation.

Business credit is not one score. A commercial lender may consider D&B, Experian Business, Equifax Business, owner credit, cash flow, existing debt, collateral, and the request itself. Nav offers a place to begin reviewing key business-credit and funding-readiness signals, while lendDEFY helps you turn those facts into a clearer commercial capital profile.

Check my business credit What you can see for free

External Nav link. Nav controls registration, features, pricing, score availability, reports, eligibility, and disclosures.

Why check more than one bureau

One business can look different across different reporting systems.

Business-credit data is not a single universal file. Each bureau can use distinct source data, matching methods, score models, update cycles, and reporting relationships. Reviewing multiple sources can help you identify data gaps before a capital request.

Start with documentation, not assumptions.

Save your results, compare them against company records, and note the report date. If information seems incorrect, gather records before using the bureau's correction process.

Business credit bureau

Dun & Bradstreet (D&B)

A commercial-credit bureau that maintains business records and score products. Business identity matching and reported trade activity can affect what appears in a file.

Review prompt

Confirm the legal business name, address, identifiers, reported payment history, and any information that needs a documented correction.

Business credit bureau

Experian Business

A commercial-credit bureau that may report business credit information separately from a consumer credit file. Its business information can be relevant in commercial review.

Review prompt

Compare business identity details, accounts, payment history, public records where applicable, and report-date context against your records.

Business credit bureau

Equifax Business

A commercial-credit bureau that can provide business-credit information and risk indicators. A lender may receive data differently than a business owner sees in a monitoring product.

Review prompt

Check business identifiers, tradeline reporting, payment patterns, and whether the data is current and attached to the correct entity.

Use the information productively

Funding readiness is a collection of facts, not a single pass-or-fail grade.

Compare free and paid visibility

Business identity

A consistent legal name, address, entity information, and profile can make it easier for reporting systems and lenders to match records.

Business credit

Commercial bureau information may show reported payment behavior and file depth. Scores and ranges are not interchangeable across bureaus.

Owner credit

Some commercial credit programs consider the owner or guarantor. The relevant score, report, consent, and model can vary by program.

Cash flow

Revenue, deposits, margins, seasonality, debt service, and liquidity may carry substantial weight in an actual funding review.

Existing obligations

Current loans, merchant cash advances, UCC filings, payment commitments, and payoff requirements can affect the capital conversation.

Request fit

The use of funds, requested amount, term, collateral, timeline, and industry shape whether a financing request fits a particular lender's policy.

A better sequence: review the available credit data, reconcile it with operating facts, identify the request that fits the business, then prepare a capital profile. Avoid applying blindly across multiple lenders simply because one score or snapshot looks favorable.

Free and paid Nav visibility

Start with the free snapshot. Add depth only if it serves the business.

Nav currently describes a free tier with basic business-credit ranges from D&B, Experian, and Equifax, one Experian personal score, and a basic funding-readiness snapshot. Paid memberships can add report data, additional scores, tools, and select coaching features. Compare the current Nav plan page directly before paying for a subscription.

Open Nav's current plans

This link opens Nav in a new tab. lendDEFY does not control plan pricing, enrollments, reporting, score updates, or subscription eligibility.

Deeper report context

Paid Nav Prime tiers currently describe access to additional business-credit scores and report data from D&B, Experian, Equifax, and TransUnion. This can help a business compare the information it has access to before entering a financing conversation.

Ongoing readiness monitoring

Paid tiers describe a fuller funding-readiness assessment. Treat it as a planning signal, not lender approval. Actual underwriting, loan terms, and eligibility remain lender-specific.

FICO SBSS visibility on select plans

Nav's current Expand description includes a FICO SBSS score and coaching features. This can be useful for a business considering SBA-oriented or other small-business lending conversations, while recognizing that lenders make independent decisions.

Credit-building and business tools

Select paid offerings describe business tradeline reporting, automated bookkeeping tools, a credit-builder card in beta, partner discounts, and coaching. Review product terms, eligibility, pricing, and reporting details directly with Nav.

Before a lender sees the file

A practical business-credit review checklist.

Match the legal business name, mailing address, entity type, and tax information to the records the business uses in banking and financing.
Review D&B, Experian Business, and Equifax Business information available to you. Record the report date and identify the source of any apparent discrepancy.
List current credit cards, loans, lines, merchant cash advances, leases, tax obligations, and UCC-related documents so your capital picture is complete.
Gather recent business bank statements, year-to-date financials, aging reports, debt schedules, and business tax returns before starting a substantive funding process.
Separate score monitoring from a credit application. A lender may use a different score model, report date, risk policy, or a separate consent process.
Document questions for your accountant, attorney, or lender. Do not rely on a general monitoring page to resolve a disputed reporting item or legal obligation.

FICO SBSS and SBA qualification

Knowing an SBSS score can be helpful. It is not an SBA approval.

FICO SBSS is a small-business score that may be relevant in certain small-business lending paths. Nav states that its current Expand plan includes FICO SBSS access. An SBA loan still requires a participating lender's review of the business, owners, cash flow, repayment ability, purpose, collateral where applicable, and program criteria.

Use it as a planning input.

A score can help you prepare questions and identify areas to investigate. It cannot substitute for lender underwriting, prove SBA eligibility, or predict approval.

Explore SBA financing context

Business credit FAQ

Ask better questions before you pursue business financing.

These answers explain monitoring and readiness concepts. They are not personal credit advice, credit repair, legal advice, or a decision on a particular financing request.

Check business credit with Nav

Current provider and program sources

Read the underlying details before enrolling or applying.

Nav: Get your business credit scores

Nav's overview of basic D&B, Experian, and Equifax business-credit summaries.

Nav: Funding readiness

Current free and paid feature descriptions, plus Nav's funding-readiness limitations and disclosures.

Nav Prime

Current membership-tier descriptions, including business bureau data and FICO SBSS access on select plans.

SBA: Lender requirements and SBA programs

SBA program information. Actual lender underwriting and eligibility requirements vary.

Educational content only. lendDEFY is not Nav, Dun & Bradstreet, Experian, Equifax, FICO, the SBA, or a credit-repair organization. lendDEFY does not sell, calculate, change, or guarantee any score; does not promise credit improvement or approval; and does not initiate a hard credit inquiry from this page or a capital profile. Nav features, subscription prices, bureau coverage, score availability, updates, eligibility, and disclosures can change. Review the current provider terms and every lender's separate authorization and underwriting requirements before acting.

See the credit information that can shape your next funding conversation.

One business can look different across different reporting systems.

Dun & Bradstreet (D&B)

Experian Business

Equifax Business

Funding readiness is a collection of facts, not a single pass-or-fail grade.

Business identity

Business credit

Owner credit

Cash flow

Existing obligations

Request fit

Start with the free snapshot. Add depth only if it serves the business.

Deeper report context

Ongoing readiness monitoring

FICO SBSS visibility on select plans

Credit-building and business tools

A practical business-credit review checklist.

Knowing an SBSS score can be helpful. It is not an SBA approval.

Ask better questions before you pursue business financing.

Where can a business owner check D&B, Experian, and Equifax business credit information?

Does a business credit score replace a personal credit score for financing?

What is a funding readiness snapshot?

Can I see an Experian personal credit score through Nav?

What is the FICO SBSS score and why can it matter for SBA financing?

Will checking business credit cause a hard inquiry?

Do paid business-credit subscriptions guarantee stronger scores or loan approval?

What should I do if my business credit information looks incorrect?

Read the underlying details before enrolling or applying.

Nav: Get your business credit scores

Nav: Funding readiness

Nav Prime

SBA: Lender requirements and SBA programs