Glep vs. Navan

Navan Business is free for companies up to 200 employees, with travel included and expense management free for the first 5 users and priced per user after that; Navan Enterprise is custom, as published on navan.com on September 24, 2026. Glep is $0 with no monthly fee, no per-user fee, $0 ACH and domestic wires, and a 3% FX fee on international card transactions.

Navan organizes spend by policy, team and traveler and connects the cards you already hold. Glep includes multi-entity management free, with a separate account per LLC, a sub-account per property and team access scoped per entity.

Yes, including for a contractor who is not on your payroll: the card carries the project's budget as a hard cap and records every purchase against the property. Navan issues the Navan Card or rides on your existing cards, lists no contractor card with a project cap, and charges for expense beyond five users, so a seasonal crew is a per-user cost there.

Add the LLC and it arrives with its own account, cards, records and approval rules, and each person sees only the entities you give them. Navan scopes policies by team with provisioning from an HRIS, which describes an org chart rather than an ownership structure, and because it is not a bank and runs on cards you already hold, the entities it reports on are the ones your own bank keeps apart.

Glep works upstream of your ledger, and you keep the software your accountant already uses; transactions arrive tagged to a property. Navan codes spend to accounting fields and reconciles receipts, which covers travel and expense rather than the whole of your money, since Navan is not a bank and runs on cards you already hold.

Yes, and it covers the whole of the money rather than the trip. Receipts at the point of spend, cards issued and frozen from the phone, approvals per entity. Navan's iOS and Android apps are built around travel and expense, it is not a bank, and expense beyond five users is charged per user, so a crew on a phone is a per-seat cost.

Open a Glep account online with your US business entity and EIN, add each LLC, open sub-accounts for your properties and issue cards from the dashboard or the app. Navan is not a bank and runs on cards you already hold, so nothing is being closed; what changes is where the spend is controlled. Navan's expense product is free for five users and then charged per user, against no per-user fee on Glep. Most operators start with one property or one deal.

If your business is a set of properties held in a set of entities, Glep is built around that structure: an account per LLC, a sub-account per property with its own routing and account number, Aida tagging every transaction to the property it belongs to, and contractor cards that stop at the budget. Navan is the better fit if your spend is mostly travel and employee expense and you want unlimited policies over cards you already hold, since Navan is not a bank and connects your existing cards rather than holding the money. Its travel product is free and its expense product is free for five users and then charged per user, where Glep has no per-user fee at all. Start with one property or one project and move the rest on your own schedule; there is no contract and no lock-in.