How Ryan used Nav Prime to build credit before he needed it

BCK Ranch didn't have credit history when Ryan started. Here's what he did instead.

Nav ( https://app.nav.com/?sent_date=20261016&utm_campaign=Free_Journey_Onboarding_Recovery&utm_content=Email+3&utm_medium=email_action&utm_source=customer.io )

Build business credit with Nav Prime ( https://app.nav.com/nav-prime?sent_date=20261016&utm_campaign=Free_Journey_Onboarding_Recovery&utm_content=Email+3&utm_medium=email_action&utm_source=customer.io )

A Nav Prime customer story
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Building credit before he needed it
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Ryan Lockwood started BCK Ranch, a Houston-area microgreens farm, in 2022. Like a lot of new businesses, BCK Ranch didn't have business credit history yet, and Ryan found bigger banks reluctant to extend credit to something so new.

“Nav has taken that zero-to-two-year mark and said, ‘Hey, we trust you. We want to build a relationship with you and see that business credit grow through Prime,’” Ryan said. He used the Nav Prime membership tradeline to jump-start his business credit history in year one, and Credit Health to track what was working as his business grew.^1

Start building business credit ( https://app.nav.com/nav-prime?sent_date=20261016&utm_campaign=Free_Journey_Onboarding_Recovery&utm_content=Email+3&utm_medium=email_action&utm_source=customer.io )

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Turn payments into credit history
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You can start building business credit with Nav Prime. We submit your membership payments as a tradeline to Experian, Dun & Bradstreet, and Equifax.

Join Nav Prime → ( https://app.nav.com/nav-prime?sent_date=20261016&utm_campaign=Free_Journey_Onboarding_Recovery&utm_content=Email+3&utm_medium=email_action&utm_source=customer.io )

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This email was sent by Nav Technologies, Inc., a financial technology company, not a bank.

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Credit building results vary. Scores are calculated based on multiple factors, and some users may not see improved scores.

^1Testimonials represent individual experiences. Results may vary based on personal circumstances, effort, and market conditions. Nav provides tools and guidance but does not guarantee specific business outcomes or credit improvements.

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16 October 2026 · 13:00 UTC