Tento vs Nav — business credit monitoring compared
Nav and Tento both help small businesses see and understand their business credit — the differences are what the free tier shows, what the paid tier costs, and what sits around the score. As of September 2026: Nav’s free tier shows score ranges and high-level data, with numeric scores included in Nav Prime at $39.99–$74.99/month (billed monthly). Tento shows your numeric Equifax business credit score from day one. Free for your first two months, then $14.99/month if you choose to subscribe. No credit card to start; cancel anytime in your dashboard.
| Tento | Nav | |
|---|---|---|
| Price | $0 for your first two months, then $14.99/month if you choose to subscribe. No credit card to start; cancel anytime in your dashboard. | Free tier available; Nav Prime is $39.99/month (Track), $49.99/month (Build) or $74.99/month (Expand), as of September 2026. Monthly pricing; quarterly billing saves 20%. |
| What the free tier shows | Your actual Equifax business credit score (a number, not a grade), score alerts, AI explanations and a cash-flow view — for two full months. | Score ranges and high-level data from Dun & Bradstreet, Experian and Equifax, one Experian personal credit score, a basic funding readiness snapshot and basic cash flow tracking. Detailed numeric business scores are part of Nav Prime. |
| Numeric score or a grade? | Numeric score, shown from day one. | Score ranges on the free tier; numeric scores in Nav Prime. |
| Whose credit data | Equifax business credit data. | Dun & Bradstreet, Experian and Equifax business data (ranges free, detailed scores on paid tiers), plus FICO SBSS on the Expand tier. |
| AI explanation of your score | Yes — an AI companion explains what is driving your score in plain language. | No AI score explanation advertised on Nav’s pricing page as of September 2026. |
| Financing built in | Yes — Tento offers equipment financing and working capital directly, with one application. | Yes — a marketplace of third-party lenders, plus Nav Loans through Fundbox (Prime members get a 1% fee discount) and a Nav Credit Builder Card in beta. |
The short version
- Both show business credit; Nav’s free tier shows score ranges, Tento’s free period shows the numeric Equifax score.
- Nav Prime runs $39.99–$74.99/month as of September 2026; Tento is $14.99/month after two free months.
- Nav covers three bureaus (detailed scores paid); Tento goes deep on Equifax data and adds AI explanations.
- Nav mainly connects you with third-party lenders; Tento offers equipment financing and working capital itself.
When Nav might fit you better
- You want scores from Dun & Bradstreet, Experian and Equifax side by side and two personal credit scores (Experian and TransUnion), and the multi-bureau view is worth $39.99+/month to you.
- You want a subscription that is itself reported as a tradeline (Nav Prime advertises this on its Build tier).
Nav pricing and packaging as of September 2026, from public pages: Nav Prime pricing (nav.com) . Check the provider's site for current pricing. Tento facts describe the product itself.
Nav has a free tier, but as of September 2026 it shows score ranges and high-level data rather than numeric scores — numeric business credit scores are part of Nav Prime, which runs $39.99–$74.99/month (billed monthly). Tento shows your numeric Equifax business credit score during the free period: free for your first two months, then $14.99/month if you choose to subscribe, cancel anytime in your dashboard.
As of September 2026, Nav Prime is $39.99/month (Track), $49.99/month (Build) or $74.99/month (Expand). Tento is free for your first two months — no credit card to start — then $14.99/month if you choose to subscribe.
Nav shows business credit data from Dun & Bradstreet, Experian and Equifax, with detailed scores on its paid tiers, plus FICO SBSS on its top tier. Tento shows your Equifax business credit score and report data, with an AI companion that explains what is driving the number.
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