CUSTOMER SPOTLIGHT

Meet Ryan, owner of BCK Ranch

See how Ryan is using Nav Prime to power an at-home microgreens farm

Their story

It’s all about family

Ryan Lockwood had planned to complete his career as a firefighter, but found himself wanting more time with his family. After his wife Taryn discovered an allergy, they found their purpose — and their business idea. Ryan and Taryn launched Houston-based BCK Ranch in 2022 to help people with heavy metal allergies enjoy greens again. Soon enough, local chefs and grocers were placing orders. As they’ve expanded, Ryan has used Nav Prime to build business credit and finance BCK Ranch’s operations.

Read their full story →

“Big banks don’t want to fund a new business. They don’t see you as anything in your first two years. Nav has taken that zero to two year mark and said, hey, we trust you. We want to build a relationship with you.”

— Ryan Lockwood

Nav Prime

Ryan uses Nav Prime to build his foundation

Options for new businesses are often limited. The first couple years are about establishing your business profile and working your way up to where you want to be.

Activate Prime

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Ryan uses his Nav Prime Card for supplies

Using his card instead of cash or debit helps him manage cash flow and get better deals on large orders.

Plus, every swipe helps him build business credit history.

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Then, he tracks his credit

Nav Prime unlocks Ryan’s most powerful business credit insights as he builds, so he’s never left wondering where he stands or what he needs to do to improve.

Nav Technologies, Inc. is a financial technology company and not a bank. Banking services provided by Thread Bank, Member FDIC. The Nav Prime Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. See Cardholder Terms for additional details. All other features of the Nav Prime membership are not associated with Thread Bank.

You didn’t start your business because you love business credit

But that’s why we started ours. Nav isn’t just a powerful suite of financial tools — we’re part of your team.