Nav is built to show and monitor your own business credit. It is not built to tell you whether a new client will pay. ClientVetter checks any US company from its website address in about a minute and returns a 0 to 100 score, the reasons behind it and suggested payment terms. Starter is $49 a month for 25 checks.
Checking public records
Done
Preliminary band
The preliminary band uses domain, website and mail signals only. The full score adds registry, reviews, disputes and sanctions.
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People who search for a Nav alternative are usually in one of two places. Some want to build credit for their own company and compare monitoring tools. Others are about to take on a customer, saw business credit scores on Nav, and wonder if it can tell them who they are about to work for.
Nav's pricing page lists scores and reports for the owner's own business, funding readiness and bookkeeping tools. It does not list a way to run checks on other companies. If your question is whether a prospective client is real, in good standing and likely to pay, you need a tool that looks up other companies. That is what ClientVetter does for US freelancers, agencies, contractors and consultants.
Prices below are the monthly rates listed on Nav's pricing page. Nav also offers quarterly billing. Confirm the current offer on nav.com before buying.
| Nav plan | Monthly price | What it shows | Checks another company |
|---|---|---|---|
| Free | $0 | Basic credit ranges for your business and one personal score | Not listed |
| Track | $39.99 | Seven business and personal scores and reports, alerts on your profile | Not listed |
| Build | $49.99 | The same scores plus bookkeeping tools | Not listed |
| Expand | $74.99 | Eight scores including FICO SBSS and monthly credit coaching | Not listed |
That is a fair product for an owner trying to qualify for a loan or a better card. It answers "how does my company look to lenders." It does not answer "will the agency that just sent me a $25,000 scope pay on time." For the bureau side of that question, see what a business credit report costs per company.
Different jobs, so the honest comparison is about which job you have.
| What matters | Nav | ClientVetter |
|---|---|---|
| Whose credit you see | Your own business | Any US company you are about to work for |
| Where Nav wins | Scores from several bureaus in one place, funding readiness, tradeline for building credit | No tradeline or lender matching, and no bureau credit scores |
| Evidence on a client | Not its purpose | State registry standing, domain age, website and mail records, sanctions screening, public disputes, member non-payment reports |
| Result | Scores and funding readiness | A 0 to 100 score, sourced reasons and suggested payment terms |
| Price | Free, then $39.99 to $74.99 a month | $49 a month for 25 checks, $129 for 120, $299 for 400 with API |
| Monitoring | Alerts on your own profile | Alerts when a monitored client changes |
Many owners use both: Nav to manage their own credit, ClientVetter to screen the companies that hire them. If you are comparing bureaus instead, read the Equifax business credit report alternative and Creditsafe alternative pages.
You sell time or work before you get paid. A design agency starting a retainer, a freelancer taking a large project or a team signing five new accounts a month gains most from knowing the business exists, is in good standing and has a payment record before the first invoice goes out.
You are building your own business credit, preparing a loan or credit card application, or want your scores from several bureaus in one dashboard. ClientVetter does not report your payments to bureaus or match you to funding.
Type the prospective client's domain into the check at the top of this page. You do not need its legal name or tax ID.
Read the score, the band and each sourced reason. Open any member report to see the evidence and the company's reply.
Put the suggested terms in your proposal, such as a deposit or milestone billing, save the PDF and turn on monitoring.
Yes, but it depends on the job. For building and watching your own business credit, Nav competes with products like Experian and Dun and Bradstreet subscriptions. For checking a customer or prospective client, ClientVetter scores any US company from its domain on a $49 a month plan with 25 checks.
Nav lists a free plan, Track at $39.99 a month, Build at $49.99 a month and Expand at $74.99 a month. The paid plans show business credit scores and reports for your own company. Nav does not list a feature for checking another company, so check its pricing page before buying.
Nav is built around the business owner's own credit profile, scores and funding readiness. Its pricing page does not list a way to run reports on customers or prospective clients. If you need to decide whether to accept a new client, you need a tool that looks up other companies.
Enter the client's website into a client check that reads state registry standing, domain age, public disputes, sanctions lists and non-payment reports, then read the sourced reasons. ClientVetter does this in about a minute. Add a bureau report only for large deals that justify the extra cost.
No. A ClientVetter check reads public business records and member reports rather than pulling a bureau credit file, so it does not affect the client's credit, and the client is not notified. See our FCRA notice for the permitted scope.
Weighing a bureau instead? See the Dun and Bradstreet alternative for per-report pricing, or read about a company credit check on a client and what it should include.
Enter the domain of the US company behind your next project and set your payment terms on evidence. Starter includes 25 checks for $49 a month.
Your full report for this client is saved to your account.