Nav Small-Business Funding Marketplace

Purpose

Enumerate the small-business funding options listed on Nav's public marketplace — business loans, business credit cards, and trade credit (net-30+ vendor accounts) — and return each offer's terms (lender, funding amount, cost/APR/factor rate, repayment, funding speed, pros/cons). Read-only; never clicks "Apply now". Returns offers visible to anyone in the world (no auth, no anti-bot). For Nav's personalized MatchFactor ranking, an account is required (see Gotcha below); this skill covers the public/anonymous view only.

When to Use

• "What small-business loans, credit cards, or net-30 vendor accounts are listed on Nav today?"
• A finance agent assembling a comparison shortlist before a user signs up for a marketplace account.
• Daily/weekly cron to detect when a new partner is added to Nav's portfolio (offers list is small and stable enough to diff).
• Anywhere you want the raw partner list — name, lender, dollar ranges, APR/factor rate, funding speed — without scraping each lender's own site.

Workflow

Nav's /marketplace/{slug}/ pages are server-rendered Remix routes. The Browserbase Fetch API (or any plain GET) returns the full HTML including the React Router stream payload, and the first 6 offer cards are fully visible in the rendered DOM. No auth, no anti-bot, no proxy required. Browser driving is only needed if you want offers 7–N (the "Show more" button is client-side JS) or to apply UI filters (filters are React state, ignored on the URL). For the typical "give me a shortlist" use case, the fetch path returns enough.

1. Pick the marketplace category

URL template: https://www.nav.com/marketplace/{slug}/

2. Fetch the page

# Browserbase Fetch API — single 200 OK, ~500 KB HTML body
browse cloud fetch "https://www.nav.com/marketplace/business-loans/" --output bl.json

A plain curl works equally well; nothing about this surface requires Browserbase. The response is text/html; charset=utf-8, Cache-Control: private, served via Varnish.

3. Parse the rendered offer cards (top 6)

Each Apply now button anchors one offer card. Split the HTML on Apply now markers and read each chunk up to the matching Show details. Within a chunk the structure is consistent:

{Offer Name} by {Lender}
{free-text description, optional}
Pros
{pro bullet 1}
{pro bullet 2}
…
Cons
{con bullet 1}
…
Funding Amount     {range}
Cost               {APR or factor rate or fee}
Repayment Terms    {schedule}
Funding Speed      {turnaround}

Reference Python parser (stable across the three marketplace slugs):

import json, re
html = open("bl.html").read()
# Collapse tags to pipe-delimited tokens
t = re.sub(r"<[^>]+>", "|", html)
t = re.sub(r"\|+", "|", t)
t = re.sub(r"\s+", " ", t)
chunks = t.split("|Apply now|")[1:]  # 0th chunk is the page chrome

offers = []
for ch in chunks:
    end = ch.find("Show details")
    parts = [p.strip() for p in ch[:end].split("|") if p.strip()]
    if not parts: continue
    head = parts[0]                                         # "Short-Term Loan by Credibly"
    m = re.match(r"^(.*?)\s+by\s+(.+)$", head)
    name, lender = (m.group(1), m.group(2)) if m else (head, None)
    def field(label):
        try: return parts[parts.index(label)+1]
        except ValueError: return None
    pros, cons = [], []
    if "Pros" in parts and "Cons" in parts:
        pi, ci = parts.index("Pros"), parts.index("Cons")
        fi = parts.index("Funding Amount") if "Funding Amount" in parts else len(parts)
        pros, cons = parts[pi+1:ci], parts[ci+1:fi]
    offers.append({
        "name": name, "lender": lender,
        "funding_amount": field("Funding Amount"),
        "cost": field("Cost"),
        "repayment_terms": field("Repayment Terms"),
        "funding_speed": field("Funding Speed"),
        "pros": pros, "cons": cons,
    })

Read the total count from Showing 1 - <!-- -->6<!-- --> of <!-- -->23 (regex: r"Showing\s+1\s*-\s*<!--\s*-->\s*(\d+)\s*<!--\s*-->\s*of\s*<!--\s*-->\s*(\d+)"). The literal HTML comments in the count badge are React-hydration markers — don't strip them before matching, or write the regex against the rendered text (Showing 1 - 6 of 23) after stripping tags.

4. (Optional) Extract all N offers from the stream payload — without a browser

The rendered DOM only shows the first 6 cards, but all N offers' data is in the initial HTML response, embedded in an inline <script> that calls window.__reactRouterContext.streamController.enqueue("…"). The encoded chunk is ~150 KB and uses a deduplicated positional-reference format (keys like {"_1":2,"_3":-5} where _N is a slot id and the integer is a pointer to another slot's value). Decoding it fully requires a custom resolver, but the offer titles ({Name} by {Lender}) are stored as plain JSON strings and are easy to regex out:

import re
m = re.search(r'__reactRouterContext\.streamController\.enqueue\("((?:[^"\\]|\\.)*)"\)', html)
decoded = m.group(1).encode().decode("unicode_escape")
titles = sorted(set(re.findall(
    r'"([A-Z][^"\n]{8,80}\bby\s+[A-Z][A-Za-z &\.-]{2,30})"', decoded)))
# titles: all 21 unique loan-offer titles; the 23 total includes 2 brand variants

Recovering the full per-offer fields (Cost, Speed, Pros, Cons) from the stream requires walking the dedup table — feasible but several hundred lines. In practice: emit the top-6 from the DOM, and if the user explicitly asks for the full list, fall back to the browser path (Step 5).

5. Browser fallback — for offers 7+, filters, or "Apply now" follow-through

Open the page in a Browserbase session, click button: Show more until the rendered count matches total_results, then re-run the Step 3 parser against the post-hydration HTML. Filters (Financing Type, Annual Revenue, Time in Business, Credit Range, Personal Guarantee, etc.) are pure client-side React state — click the relevant checkboxes in the sidebar, then re-extract. No URL or fetch path mirrors them.

SID=$(browse cloud sessions create --keep-alive --proxies | jq -r .id)
browse open "https://www.nav.com/marketplace/business-loans/" --remote -s "$SID"
browse wait load --remote -s "$SID"
# Click "Show more" until 'Showing 1 - N of N results' rendered count == total
browse click 'button[data-testid="show-more-button"]' --remote -s "$SID"
# Repeat ~3x for business-loans (each click reveals 6 more)
browse get markdown body --remote -s "$SID"
browse cloud sessions update "$SID" --status REQUEST_RELEASE

--proxies is not required for the read path, but adding it costs nothing and gives parity with the personalized flow in case Nav later turns on geo-fencing.

6. (Out of scope) Personalized MatchFactor

The "See my options" CTA on every marketplace page (and the Sign up header link) routes to https://app.nav.com/registration/. That form requires email + password + business name + EIN/SSN, after which Nav's MatchFactor service ranks the same partner pool against the supplied business profile (revenue band, time in business, credit range). This is out of scope for this read-only skill — credentials would be needed and Nav would consume an application slot. If you need ranked matches, sign up manually and use a separate authenticated skill.

Site-Specific Gotchas

• No anti-bot whatsoever: Cache-Control: private + Vary: Accept-Encoding + Varnish + Strict-Transport-Security. robots.txt explicitly Allow: / except /a/affiliates/ and /partner. Fetch API works first try with no proxy, no stealth.
• Only 6 cards in the rendered DOM, 23 in the payload: SSR renders the first 6 of N offers visibly; the remaining (N−6) are present in the __reactRouterContext stream payload but not yet hydrated into DOM nodes. Use the stream extractor in Step 4 for inventory questions; use the browser fallback for full offer detail.
• URL filter params are ignored: ?financingType=SBA, ?filter=…, ?type=…, ?page=2 — all tested, all return the unfiltered 23. Filters are client-side React state only.
• ?_data=routes/... (Remix loader) is not exposed: tested ?_data=routes/marketplace, ?_data=routes%2Fmarketplace.business-loans — both return the full HTML page, not loader JSON. Nav appears to be on Remix v2 / React Router Data Router but with the loader-as-data response disabled. Don't waste time looking for a _data JSON endpoint — it doesn't exist on this surface.
• No public REST or GraphQL endpoint: no /api/* paths, no graphql references, no _next/data/ (Nav is Remix, not Next.js). The HTML response is the API.
• "Showing 1 - 6 of 23" has literal HTML comments inside it: the badge renders as Showing 1 - <!-- -->6<!-- --> of <!-- -->23 in the raw HTML (React hydration markers). Match against the rendered text after stripping tags, or include <!--\s*--> in the regex.
• Funding Amount/Cost/Repayment Terms/Funding Speed is the canonical field set for business loans. Business credit cards use a different set: Intro APR, Purchase APR, Annual Fee, Welcome Offer. Trade credit uses: credit limit, fees, minimum order, Net-30/60/etc.. Per-category parsers needed.
• Personal Guarantee filter is always checked-off by default — Nav lists offers that require a personal guarantee alongside those that don't; this is one of the more useful filters when an LLC wants to limit personal liability exposure. The text "Personal Guarantee" appears in both the sidebar and the offer card descriptions.
• MatchFactor is account-only: https://app.nav.com/registration/ is on a different subdomain (app. instead of www.), uses a separate Remix app, and gates everything personalized. The marketplace pages on www.nav.com are the only anonymous read surface.
• All offers carry an Apply now CTA that opens a partner-redirect URL (e.g. https://www.nav.com/marketplace/business-loans/<offer-slug>/apply → 302 to lender). Do not click these; they may consume a partner-application slot and Nav receives a referral fee on completion. Read-only enumeration stops at the offer card.
• Advertiser disclosure is embedded: every marketplace page includes Nav's disclosure that partners pay for placement and CTR. The order of offers is therefore commercial, not editorial — useful context if the agent is asked "which is best?".
• Cache-Control: private + Varnish means responses are not edge-cached for anonymous viewers; expect 100–400 ms response times depending on region. The X-Cache header reports MISS, MISS on cold reads and HIT, MISS (or vice versa) after warming.

Expected Output

One JSON envelope per requested category. Top-level fields are identical across categories; the offers[] shape varies by category.

Business loans (also: any business-loans-style request)

{
  "success": true,
  "category": "business-loans",
  "url": "https://www.nav.com/marketplace/business-loans/",
  "total_results": 23,
  "returned_results": 6,
  "fetched_at": "2026-05-18T22:22:40Z",
  "offers": [
    {
      "name": "Short-Term Loan",
      "lender": "Credibly",
      "funding_amount": "$5,000 - $600,000",
      "cost": "As low as a 1.11 FR",
      "repayment_terms": "Daily & Weekly automatic debits; 6 to 15 month repayment terms",
      "funding_speed": "As quickly as 4 hours",
      "pros": [
        "Set payments",
        "Pre-qualification, which means you can pre-qualify without hurting your credit",
        "With strong cashflow health, low personal credit scores still have great options here"
      ],
      "cons": [
        "Must have at least $15,000 a month in deposits",
        "Repayment terms maybe shorter for some users"
      ]
    }
  ],
  "full_inventory_titles": [
    "Business Cash Advance by Capitalized Business Funding",
    "Business Cash Advance by Credibly",
    "Business Cash Advance by Rapid Finance",
    "Equipment Leasing by American Capital Financial",
    "Intermediate-Term Loan by Kapitus",
    "Line of Credit by Fundbox",
    "Line of Credit by OnDeck",
    "Line of Credit by Plexe",
    "Line of Credit by Rapid Finance",
    "Line of Credit by SBG Funding",
    "Line of Credit by SmartBiz",
    "Line of Credit or Term Loan by Quantum LS",
    "Premier Loan by SBG Funding",
    "SBA Loan by SmartBiz",
    "Short-Term Loan by Credibly",
    "Short-Term Loan by Kapitus",
    "Short-Term Loan by National Funding",
    "Short-Term Loan by QuickBridge",
    "Short-Term Loan by Rapid Finance",
    "Term Loan by OnDeck",
    "Term Loan by SBG Funding"
  ]
}

Business credit cards

{
  "success": true,
  "category": "business-credit-cards",
  "url": "https://www.nav.com/marketplace/business-credit-cards/",
  "total_results": 20,
  "returned_results": 6,
  "offers": [
    {
      "name": "The American Express Blue Business Cash™ Card",
      "issuer": "American Express",
      "intro_apr": "0% on purchases for 12 months from date of account opening",
      "purchase_apr": "16.74% - 28.49% Variable",
      "annual_fee": "$0",
      "welcome_offer": "Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.",
      "pros": ["Attractive intro financing offer", "High rates of cash back for business spending", "No annual fee."],
      "cons": ["No rewards bonus for initial spending", "Foreign transaction fees."]
    }
  ]
}

Trade credit (net-30+ vendors)

{
  "success": true,
  "category": "trade-credit",
  "url": "https://www.nav.com/marketplace/trade-credit/",
  "total_results": 29,
  "returned_results": 6,
  "offers": [
    {
      "name": "FEDLIN Cybersecurity Services",
      "vendor": "FEDLIN",
      "category": "Business services",
      "credit_limit": "$5,000-$10,000",
      "fees": "No fees",
      "minimum_order": "Minimum of $150 per order",
      "terms": "Net-30",
      "bureau_reporting": ["Equifax"],
      "years_in_business": 4,
      "website": "fedlin.com"
    }
  ]
}

Failure / blocked

{
  "success": false,
  "category": "business-loans",
  "url": "https://www.nav.com/marketplace/business-loans/",
  "error_reasoning": "HTTP 5xx from Varnish / cache layer | unexpected DOM (Nav redesigned the marketplace) | bot block (not observed in 2026-05-18 testing)"
}