The Hidden Credit Score Lenders Actually Check #entrepreneurship #funding

5 May 2026 · 1 min

Watch on YouTube

0:43

In this segment, the speaker explains how witnessing many small businesses struggle to obtain financing or find suitable options motivated them to leave their previous role and co‑found Nav, described as a “Credit Karma for small business.” Nav’s mission is to help small‑business owners understand how lenders make risk‑based decisions, which can involve personal credit, business credit, and cash‑flow analysis—making the process far more complex than consumer lending. The company has been operating for 12‑13 years, has attracted roughly one million small‑business users, and reflects on the challenging journey to reach this scale.

Chapters

And after just seeing so many small businesses go through that platform and either not get approved for any type of financing or not like their options, that kind of inspired me to leave and co-found Nav. It's like Credit Karma for small business. So we help small business owners understand how to, how do third parties make risk-based decisions on their business. Sometimes it includes personal credit, business credit, the cash flows of the business, and it's just incredibly complex as compared to figuring out all the same things in the consumer space. So we've been at it now for 12, 13 years, got about a million small business owners to use our platform, and, uh, it was quite the journey to get this far along.