Tillful Alternatives: What to Use After Tillful Shut Down

What Was Tillful?

Tillful was a San Francisco-based fintech that launched around 2020 with an ambitious goal: make business credit scores more accessible and understandable for small business owners. The platform offered:

• A free business credit score (their own proprietary scoring model)
• Business credit monitoring and alerts
• A business credit card (the Tillful Card) that reported payment history to help build credit
• Credit-building tools and educational content

Tillful was legitimately different from older players like Nav — their score was more transparent about what drove it, and the Tillful Card was one of the first cards explicitly designed to help new businesses establish a credit history quickly.

Why Did Tillful Shut Down?

Tillful discontinued its business credit monitoring and scoring platform in 2023, citing the challenging fintech funding environment. The Tillful Card was acquired by another company and rebranded, but the monitoring platform — the part most users actually relied on — went offline.

As of 2026, Tillful's website redirects and the original credit monitoring product is no longer available. If you have been searching for "Tillful alternatives" — you are in the right place.

The Best Tillful Alternatives in 2026

1. Nav.com — Closest Direct Replacement

Nav is the most direct replacement for what Tillful did: aggregate business credit scores from multiple bureaus into one dashboard. The free tier gives you D&B Paydex, Experian Intelliscore, and a basic Equifax Business summary — the same multi-bureau view Tillful offered.

Nav also adds a financing marketplace, which Tillful did not have. The paid tiers ($29–$149/month) add full report access, monitoring alerts, and dispute guidance.

2. D&B CreditSignal — Best Free D&B Monitoring

D&B's own free monitoring product gives you your Paydex score and file change alerts directly from the source. Since D&B is the most important bureau for commercial lending decisions, monitoring your Paydex directly has value even if you are using Nav for the multi-bureau view.

CreditSignal is free at dnb.com. You will need your D-U-N-S number to register — if you do not have one yet, getting a free DUNS number is one of the first steps in building your D&B file.

3. Experian Business — Best Experian-Specific Monitoring

Experian Business's Business Credit Advantage subscription (~$189/year) gives you the most granular view of your Experian Intelliscore Plus — including full trade line detail, payment trend analysis, and score factor explanations. If your Intelliscore is the score you are focused on improving, Experian's own product is the most detailed option.

4. CreditSafe — Best for B2B Credit Verification

CreditSafe is a global business credit data provider primarily used by enterprise companies vetting their vendors and customers. They offer a free trial that includes business credit report access.

CreditSafe is more useful if you are trying to see your file the way a business customer or supplier might see it — it gives you a different lens than the standard lender-facing scores from D&B and Experian.

Monitoring Alternatives Comparison

For a full deep-dive on each of these options with more detail on what the paid tiers include, see our best business credit monitoring services comparison.

The Gap Tillful Left Behind — And What to Do About It

Tillful was doing something genuinely useful: making business credit more accessible. The Tillful Card was designed to help new businesses establish a credit file quickly and transparently. When Tillful went away, that accessible on-ramp went with it.

The monitoring alternatives above fill the visibility gap — you can see your scores again. But monitoring your business credit and building your business credit are two completely different things.

If what you actually want is to build a fundable credit profile — not just watch your scores — you need a system for opening the right vendor accounts, in the right order, paying them strategically, and moving up through the credit tiers. Monitoring tools do not do that. For a clear picture of what your scores actually mean, see our what is a business credit score guide. For how to actually check your scores free today, see how to check your business credit score for free.

The Recommended Setup for 2026

Here is the monitoring stack that covers all three bureaus for free (or close to it):

1. Nav.com free account — D&B + Experian + Equifax overview in one dashboard
2. D&B CreditSignal — free direct monitoring from D&B with file change alerts
3. Experian Business free profile — basic Intelliscore visibility directly from Experian

Add a building system to that monitoring stack — and you have everything Tillful was trying to build toward, plus the actual credit-building piece it never fully got to.

Published by Famp Business Concierges | Business Credit & Funding Specialists