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New Initiative Enhances Small Business Credit Relationships and Community

Leveraging Data and Infrastructure to Strengthen B2B Trade Credit

SAN MATEO, Calif., Dec. 16, 2025 /PRNewswire/ — In a groundbreaking announcement, Nav, a dedicated financial health platform focused on serving small businesses, has unveiled its innovative Payment Terms Program. This new initiative is set to empower small business owners by allowing them to extend credit directly to their peers, ultimately enhancing the ability to manage risk more effectively and alleviating some of the operational uncertainties typically linked with offering net terms.

A Significant Leap in Supporting Small Businesses

This pilot represents a considerable extension of Nav’s existing framework, which previously concentrated on helping business owners understand and improve their credit standings. With the introduction of this program, Nav seeks to address a pivotal challenge within the small business ecosystem: fostering trustworthy, scalable, and equitable credit relationships among businesses that aspire to support one another’s growth.

Levi King, the CEO and co-founder of Nav, shared, "For years, small businesses have expressed a strong desire to support fellow small businesses, yet the process of extending credit has often been fraught with complexity and ambiguity." He continued, "While alternative products exist, none have succeeded in creating a true symbiotic credit ecosystem involving buyers, sellers, and lenders. After over a decade of refining our infrastructure and forming essential partnerships, we are thrilled to bring order to this fragmented segment of the small business economy."

Pilot Phase and Early Success Stories

The Payment Terms Program is currently in its pilot phase with a carefully selected group of small business owners, anticipating a full public launch in early 2026.

One of the early participants, Kayla Palmer, who serves as the Executive Director of Nine to Five Essentials Plus, reported significant success shortly after being accepted into the program. In less than two weeks, her business received over 80 applications requesting net-30 payment terms.

“Before Nav, the application evaluation process was cumbersome and left much to be desired,” Palmer noted. “Now, with Nav’s streamlined approach, I can spend significantly less time on applications and focus more on the growth of my business. This shift has been a game-changer.”

The program’s early success reflects Nav’s ongoing commitment to the small business community, which has repeatedly voiced the need for improved tools that facilitate their growth and success.

Clearing the Path to Fair Credit Relationships

The Payment Terms Program emerged from Nav’s dedication to enabling small businesses to collaborate and support each other. Although traditional business loans and credit systems are highly structured, the realm of B2B net terms has historically been intricate and disorganized. This program aims to introduce much-needed clarity, consistency, and fairness into the credit offering process.

“Vendor credit can wield as much power as any bank loan,” King pointed out. “While reporting to credit bureaus may seem convoluted, our established relationships and infrastructure enable us to simplify that process dramatically.”

Tailored Solutions for Small Businesses

Designed specifically with small businesses in mind, the Payment Terms Program caters to those facing demand for payment terms or who are navigating the challenges of an ineffective terms program. It is tailored for businesses with reliable revenue streams, aiming to scale, and those that have an operational framework beyond a sole operator.

Effortless Customization of Payment Terms

Nav’s Payment Terms Program allows business owners to establish custom net terms for their customers with unprecedented efficiency. Here’s how the streamlined process works:

• Vendors can extend payment terms without the burdensome task of manual application processing.
• Customers complete a straightforward online application hosted on Nav’s comprehensive platform.
• Vendors utilize an intuitive dashboard to make swift decisions on applications, either approving or declining them within minutes.
• Nav manages all automated communications with applicants, thereby eliminating misunderstandings and delays.

The overall outcome is a structured and data-driven methodology to B2B credit that minimizes guesswork and the operational headaches that frequently discourage small businesses from offering terms.

Confidence Through Verification

King emphasized, “One of the most compelling aspects of this entire process is that it harnesses Nav’s proprietary data and partnerships to verify both buyers and vendors.” This verification fosters a sense of trust, allowing all small business participants to engage with confidence, knowing that their credit profiles affirm their creditworthiness.

Additionally, Nav’s program also extends support to applicants who may not be initially approved by the vendor. By identifying the reasons for the denial, Nav provides actionable insights that help applicants improve and strengthen their credit profiles, thus paving the way for them to become credit-ready in the future.

Empowering Small Business Owners

“Our Payment Terms Program is a revolutionary concept that empowers where it should be empowered—within the hands of small business owners,” King stated. “By honing in on our core strengths—data aggregation, simplified qualification, and instant decision-making—we’ve introduced a powerful new way for small businesses to unite and prosper together.”

How AI legalese decoder Can Enhance the Experience

In addition, leveraging tools like the AI legalese decoder can further enhance the experience of small business owners navigating this new program. This AI-driven tool simplifies the intricate legal language often associated with credit agreements, allowing business owners to comprehend their rights and responsibilities easily. By demystifying these terms, the AI legalese decoder enables small business owners to make informed decisions, participate more confidently in the credit economy, and foster stronger partnerships with their counterparts.

Discover More About Nav

To find out more about how Nav is transforming the financial landscape for small businesses, visit Nav.com.

ABOUT NAV

Nav stands as a pioneering financial health platform dedicated to small businesses. On Nav.com, business owners gain access to essential tools for building and managing both their business and personal credit, monitoring cash flow, and exploring their financing options prior to applying.

CONTACT INFORMATION

Amanda Triest
PR Manager
Email: [email protected]

SOURCE: Nav Technologies, Inc.

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