Quick Overview
- 1#1: Nav - Monitors business credit scores from Dun & Bradstreet, Experian, and Equifax, and provides tools to build and improve business credit.
- 2#2: Dun & Bradstreet - Delivers comprehensive business credit reports, PAYDEX scores, and monitoring to assess supplier risk and creditworthiness.
- 3#3: Experian Business - Offers business credit scores like Intelliscore, detailed reports, and monitoring for informed lending and supplier decisions.
- 4#4: Equifax Business - Provides business credit reports, predictive scores, and analytics to evaluate commercial credit risk.
- 5#5: Creditsafe - Supplies global business credit reports, scores, and monitoring with payment predictions for risk mitigation.
- 6#6: Cortera - Analyzes payment experiences and trade references to deliver business credit scores and risk insights.
- 7#7: eCredable - Reports business bills and payments to credit bureaus to help build and strengthen business credit profiles.
- 8#8: CreditSuite - Guides users through personalized steps to build business credit with automated reporting and vendor recommendations.
- 9#9: Brex - Corporate card platform that reports payments to business credit bureaus to facilitate credit building without personal guarantees.
- 10#10: Ramp - Spend management software with corporate cards that report business spending to build credit history and improve scores.
Tools were ranked based on feature depth (including score monitoring, predictive analytics, and credit-building capabilities), data accuracy, user-friendliness, and overall value, ensuring they meet the diverse needs of businesses seeking to enhance their credit standing.
Comparison Table
Business credit software is a cornerstone of effective financial management, and this table compares key tools like Nav, Dun & Bradstreet, Experian Business, Equifax Business, Creditsafe, and more. It outlines features, pricing, and unique capabilities to help readers identify the best fit for building, monitoring, or managing business credit, ensuring they make informed choices tailored to their needs.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Nav Monitors business credit scores from Dun & Bradstreet, Experian, and Equifax, and provides tools to build and improve business credit. | enterprise | 9.6/10 | 9.8/10 | 9.5/10 | 9.4/10 |
| 2 | Dun & Bradstreet Delivers comprehensive business credit reports, PAYDEX scores, and monitoring to assess supplier risk and creditworthiness. | enterprise | 9.2/10 | 9.6/10 | 7.8/10 | 8.4/10 |
| 3 | Experian Business Offers business credit scores like Intelliscore, detailed reports, and monitoring for informed lending and supplier decisions. | enterprise | 8.7/10 | 9.2/10 | 8.1/10 | 7.9/10 |
| 4 | Equifax Business Provides business credit reports, predictive scores, and analytics to evaluate commercial credit risk. | enterprise | 8.0/10 | 8.5/10 | 7.0/10 | 7.5/10 |
| 5 | Creditsafe Supplies global business credit reports, scores, and monitoring with payment predictions for risk mitigation. | enterprise | 8.2/10 | 8.8/10 | 7.5/10 | 7.6/10 |
| 6 | Cortera Analyzes payment experiences and trade references to deliver business credit scores and risk insights. | enterprise | 7.8/10 | 8.5/10 | 7.5/10 | 7.0/10 |
| 7 | eCredable Reports business bills and payments to credit bureaus to help build and strengthen business credit profiles. | specialized | 7.4/10 | 7.5/10 | 8.1/10 | 7.2/10 |
| 8 | CreditSuite Guides users through personalized steps to build business credit with automated reporting and vendor recommendations. | specialized | 7.4/10 | 8.1/10 | 7.2/10 | 6.8/10 |
| 9 | Brex Corporate card platform that reports payments to business credit bureaus to facilitate credit building without personal guarantees. | enterprise | 8.4/10 | 9.1/10 | 8.7/10 | 8.0/10 |
| 10 | Ramp Spend management software with corporate cards that report business spending to build credit history and improve scores. | enterprise | 7.6/10 | 7.2/10 | 8.5/10 | 8.8/10 |
Monitors business credit scores from Dun & Bradstreet, Experian, and Equifax, and provides tools to build and improve business credit.
Delivers comprehensive business credit reports, PAYDEX scores, and monitoring to assess supplier risk and creditworthiness.
Offers business credit scores like Intelliscore, detailed reports, and monitoring for informed lending and supplier decisions.
Provides business credit reports, predictive scores, and analytics to evaluate commercial credit risk.
Supplies global business credit reports, scores, and monitoring with payment predictions for risk mitigation.
Analyzes payment experiences and trade references to deliver business credit scores and risk insights.
Reports business bills and payments to credit bureaus to help build and strengthen business credit profiles.
Guides users through personalized steps to build business credit with automated reporting and vendor recommendations.
Corporate card platform that reports payments to business credit bureaus to facilitate credit building without personal guarantees.
Spend management software with corporate cards that report business spending to build credit history and improve scores.
Nav
enterpriseMonitors business credit scores from Dun & Bradstreet, Experian, and Equifax, and provides tools to build and improve business credit.
Free D&B Paydex score and Experian Intelliscore, providing immediate value without subscription
Nav is a premier business credit monitoring platform designed for small businesses, offering free access to key credit scores like the D&B Paydex and Experian Business Intelliscore from major bureaus. It provides real-time monitoring, detailed reports, personalized recommendations to build credit, and a financing marketplace with pre-qualified loan offers. Users can track changes, dispute errors, and improve their credit profile to unlock better funding opportunities.
Pros
- Free access to essential D&B and Experian business credit scores
- Comprehensive monitoring with real-time alerts and personalized credit-building advice
- Integrated financing marketplace with no-impact pre-qualifications for loans and credit cards
Cons
- Full reports from all three major bureaus (including Equifax) require paid Prime plan
- Limited to U.S.-based businesses only
- No built-in credit repair or dispute filing services
Best For
Small business owners and entrepreneurs seeking to monitor, build, and leverage their business credit for funding.
Pricing
Free plan for basic scores and monitoring; Nav Prime at $49.99/month or $499/year for full bureau reports, personal credit monitoring, and advanced tools.
Dun & Bradstreet
enterpriseDelivers comprehensive business credit reports, PAYDEX scores, and monitoring to assess supplier risk and creditworthiness.
Proprietary D-U-N-S Number system and the largest B2B database with 500M+ profiles for unparalleled global business identification and insights.
Dun & Bradstreet (D&B) is a leading provider of business credit intelligence, offering access to the world's largest commercial database with over 500 million business profiles. Its platform delivers detailed credit reports, risk scores like the D&B PAYDEX and Total Credit Management Score, payment history, and predictive analytics for supplier evaluation and credit decisions. Businesses use it to monitor their own credit health, assess trading partners, and mitigate financial risks.
Pros
- Unmatched global database depth and accuracy
- Comprehensive risk analytics and credit scoring tools
- Seamless integration with ERP and financial systems
Cons
- High cost prohibitive for small businesses
- Steep learning curve for non-enterprise users
- Pricing lacks transparency, often requires sales quotes
Best For
Large enterprises, financial institutions, and corporations needing enterprise-grade business credit monitoring and supplier risk assessment.
Pricing
Custom enterprise pricing via sales quote; basic subscriptions start around $500-$1,000/month, with premium analytics and API access scaling to $10,000+/month.
Experian Business
enterpriseOffers business credit scores like Intelliscore, detailed reports, and monitoring for informed lending and supplier decisions.
Experian Intelliscore Plus, a predictive credit score leveraging proprietary data for superior risk assessment
Experian Business offers robust business credit monitoring, reporting, and analytics tools from one of the world's leading credit bureaus. It provides access to comprehensive credit reports, scores like the Experian Business Credit Score, and ongoing monitoring to track tradelines, payment history, and risk factors. Businesses can use these insights to improve creditworthiness, secure financing, and manage vendor relationships effectively.
Pros
- Vast database with millions of business records for accurate insights
- Real-time monitoring and customizable alerts
- Advanced analytics including predictive scoring models
Cons
- Pricing can be steep for small businesses
- Interface feels enterprise-oriented and less intuitive for beginners
- Limited free options; most features require paid subscriptions
Best For
Mid-sized to large businesses needing enterprise-grade credit intelligence and monitoring.
Pricing
Pay-per-report from $39.95; subscriptions start at $99/month for monitoring, with custom enterprise plans.
Equifax Business
enterpriseProvides business credit reports, predictive scores, and analytics to evaluate commercial credit risk.
Equifax Business Credit Risk Score, leveraging proprietary data from millions of businesses for precise risk prediction
Equifax Business is a comprehensive credit reporting platform from one of the major credit bureaus, providing detailed business credit reports, risk scores, and monitoring services. It enables companies to assess the creditworthiness of vendors, suppliers, and customers using authoritative data on payment history, public records, and financial trends. The service also offers APIs for integration and targeted business intelligence for sales and risk management.
Pros
- Authoritative data from a major credit bureau ensuring high accuracy
- Comprehensive reports with risk scores and payment insights
- Robust monitoring and API integrations for enterprise use
Cons
- High pricing not ideal for small businesses
- User interface feels dated and less intuitive
- Limited tools for actively building business credit
Best For
Mid-sized businesses, lenders, and enterprises needing reliable data for supplier vetting and risk assessment.
Pricing
Per-report pricing starts at $99; monitoring subscriptions from $49/month; custom enterprise plans available.
Creditsafe
enterpriseSupplies global business credit reports, scores, and monitoring with payment predictions for risk mitigation.
Payment Predictor tool, which uses AI to forecast payment behaviors and default risks with high accuracy
Creditsafe is a global business credit reporting and risk management platform that delivers detailed credit reports, financial insights, and monitoring tools for over 365 million companies across 200+ countries. It helps businesses assess counterparty risk, predict payment behaviors, and manage credit portfolios through dashboards, APIs, and analytics. Ideal for international operations, it combines public records, trade data, and proprietary scoring models to support informed lending and trading decisions.
Pros
- Extensive global database covering 365M+ companies
- Advanced payment prediction and risk analytics
- Robust API for seamless integrations
Cons
- Interface feels dated and less intuitive
- Pricing can be steep for small businesses
- Limited customization in basic plans
Best For
Mid-sized enterprises and financial institutions handling international trade and needing comprehensive global credit monitoring.
Pricing
Subscription plans start at ~$100/month for basic access, with per-report options (~$10-50) and custom enterprise pricing scaling by volume and features.
Cortera
enterpriseAnalyzes payment experiences and trade references to deliver business credit scores and risk insights.
Cortera Score: A proprietary predictive risk model powered by the largest collection of verified B2B payment experiences.
Cortera is a comprehensive business credit intelligence platform that delivers detailed credit reports, risk scores, and monitoring tools for B2B decision-making. It leverages a massive proprietary database of payment experiences from billions of trade references to assess supplier and customer creditworthiness. The software supports proactive risk management with real-time alerts, predictive analytics, and portfolio monitoring capabilities.
Pros
- Extensive proprietary database of B2B payment data for accurate risk insights
- Advanced predictive scoring and real-time monitoring alerts
- Customizable dashboards and API integrations for enterprise use
Cons
- Pricing is opaque and often expensive for small businesses
- User interface feels dated and has a learning curve
- Limited free trial or self-service options
Best For
Mid-sized B2B companies needing deep credit risk analytics and supplier monitoring.
Pricing
Quote-based subscriptions starting around $1,000/month for core access; pay-per-report options available, with enterprise custom pricing.
eCredable
specializedReports business bills and payments to credit bureaus to help build and strengthen business credit profiles.
Automated conversion of rent, utility, and telecom payments into reportable tradelines to major business credit bureaus
eCredable is a business credit building platform that helps small businesses establish and improve their business credit profiles by reporting payment history for rent, utilities, telecom bills, and other recurring expenses to major bureaus like Dun & Bradstreet, Experian Business, and Equifax. It automates the process of converting everyday bills into tradelines, providing a dashboard for monitoring credit scores, paydex, and tradeline activity. The service is particularly useful for businesses without access to traditional net-30 accounts, offering a straightforward path to creditworthiness.
Pros
- Reports non-traditional payments like rent and utilities to build credit quickly
- Monitors key business credit scores across multiple bureaus
- Simple bill upload and automation reduces manual effort
Cons
- Limited integrations with accounting software
- Full monitoring requires higher-tier plans
- Credit building results vary based on payment history consistency
Best For
Small businesses and startups looking to build business credit from existing bills without needing new vendor relationships.
Pricing
Plans start at $179/year for basic reporting (up to 12 vendors), up to $599/year for premium monitoring and unlimited vendors; monthly billing available at higher rates.
CreditSuite
specializedGuides users through personalized steps to build business credit with automated reporting and vendor recommendations.
Proprietary 10-step credit building process with guaranteed tradeline access when steps are followed
CreditSuite is a business credit building and monitoring platform that provides step-by-step guidance to establish and improve business credit profiles with major bureaus like Dun & Bradstreet, Experian, and Equifax. It includes training modules, vendor recommendations for tradelines, credit monitoring dashboards, and personalized reports to help users secure better financing terms. While it combines software tools with educational resources, it emphasizes manual processes for optimal results.
Pros
- Comprehensive coverage of major business credit bureaus
- Step-by-step training and vendor access for tradelines
- Ongoing monitoring and progress tracking dashboard
Cons
- High upfront or subscription costs
- Requires significant user effort and time commitment
- Limited automation compared to pure software tools
Best For
Small business owners or startups seeking structured guidance to build business credit from scratch.
Pricing
One-time programs from $497 to $997; monthly subscriptions starting at $97 for monitoring and support.
Brex
enterpriseCorporate card platform that reports payments to business credit bureaus to facilitate credit building without personal guarantees.
Revenue-based underwriting for credit limits up to 20x higher than traditional cards, bypassing personal credit entirely
Brex is a comprehensive financial platform offering corporate credit cards, spend management, and expense tracking software designed for startups and scaling businesses. It provides credit limits based on company revenue and performance rather than personal credit scores, enabling businesses to build credit history through card usage that reports to major bureaus. Additional tools include real-time reporting, automated reimbursements, bill pay, and employee card controls for streamlined financial operations.
Pros
- No personal credit checks or guarantees required for credit access
- High credit limits for startups based on revenue data
- Integrated spend management with real-time controls and reporting
Cons
- Selective onboarding process favors tech and high-growth companies
- Limited focus on pure credit monitoring or score-building tools compared to dedicated services
- Rewards structure optimized for software/SaaS spends, less ideal for other categories
Best For
Startups and tech companies needing corporate cards with high limits and robust spend management to build business credit without personal liability.
Pricing
Free core platform and software; revenue from interchange fees on card transactions, no annual fees or foreign transaction fees.
Ramp
enterpriseSpend management software with corporate cards that report business spending to build credit history and improve scores.
AI-powered vendor spend analysis and savings recommendations
Ramp is a spend management platform offering corporate credit cards, real-time expense tracking, and automated bill payments tailored for businesses. It provides unlimited virtual and physical cards with spending controls, AI-driven insights for savings, and seamless integrations with accounting software like QuickBooks and NetSuite. While strong in expense management and cash flow, its business credit capabilities focus on facilitating purchases and rewards rather than dedicated credit building or monitoring tools.
Pros
- Unlimited 1.5% cashback on all purchases with no caps
- No annual fees or foreign transaction fees
- Robust spend controls and real-time reporting
Cons
- Credit approval required, which may exclude newer businesses
- Limited focus on business credit score building or bureau reporting
- Primarily available to US-based companies
Best For
Growing SMBs seeking integrated spend management and rewards on everyday business expenses.
Pricing
Free platform with no setup, annual, or card fees; revenue from interchange.
Conclusion
The roundup of business credit software tools showcases options that effectively monitor, build, and manage business credit, with Nav emerging as the top choice—offering multi-bureau tracking from Dun & Bradstreet, Experian, and Equifax, plus tools to strengthen credit profiles. Dun & Bradstreet and Experian Business stand as strong alternatives: the former provides detailed reports and PAYDEX scores for supplier risk assessment, while the latter delivers Intelliscore and insights to inform lending or vendor decisions, ensuring there’s a suitable option for diverse business needs.
Take the first step toward stronger business credit by trying Nav’s robust features, or explore Dun & Bradstreet or Experian Business to align with specific priorities like risk evaluation or lender insights.
Tools Reviewed
All tools were independently evaluated for this comparison