Editorial Standards & Policy

BizBee exists to help small-business owners understand business lines of credit and the alternatives to them — and to choose without getting talked into the wrong product. This page explains how our content gets made, who is accountable for it, and the rules we will not break. If we ever fall short of what’s written here, tell us (see Corrections) and we’ll fix it on the record.

Who writes this site

Our content is written and edited by people who have worked inside small-business lending, not just written about it from the outside.

Lead author Marcus Delaney spent years on the lender side of small-business finance — first as a credit analyst, then as a commercial loan officer reviewing line-of-credit and term-loan applications — before running a small business of his own and borrowing from the other side of the table. That two-sided experience is the backbone of this site: we explain how lenders actually decide, because the people writing it watched those decisions get made. Read more on his author page.

We are a finance information and comparison publisher. We are not a lender or a loan broker, we do not originate or fund loans, and nothing on this site is individualized financial, legal, or tax advice. Our authority is experience-based. We do not claim professional licenses or designations we do not hold, and we will never invent one to look more credible.

How a page gets made

Every substantive article — especially anything touching money, eligibility, or a lender recommendation — moves through the same process:

1. Scope & question. We start from the real question an owner is searching, not from a keyword we want to rank for. The page has to answer it honestly even when the honest answer is “this product isn’t right for you.”
2. Research & sourcing. We pull facts from primary sources first (see sourcing standards below) and from the lenders’ own current terms pages — never from memory and never from a competitor’s article.
3. Draft. Written in plain English. We translate lender jargon instead of repeating it, and we are explicit about cost traps — particularly merchant cash advances, where factor-rate pricing routinely hides a far higher true cost than borrowers expect.
4. Editorial review. A second person checks the draft for accuracy, balance, unsupported claims, and compliance with the rules on this page.
5. Money/eligibility review. Pages that affect a borrowing decision carry a “Reviewed by Elaine Vasquez” line. The reviewer (reviewer page) signs off that the page is accurate and not slanted toward whatever pays us most.
6. Publish, date, and maintain. Every page shows a visible “last updated” date and enters our review schedule (below).

Sourcing standards

We hold finance content to a higher bar than general content because the cost of being wrong is real.

• Primary sources first. For rates, fees, eligibility ranges, and market facts we cite named authorities — the Federal Reserve, the U.S. Small Business Administration (SBA), the Consumer Financial Protection Bureau (CFPB), and the lender’s own published terms — and we link to them so you can check our work.
• No invented numbers. We never state a specific rate, fee, APR, factor rate, credit score, or dollar threshold from memory or assumption. If a precise figure isn’t verifiable against a current primary source, we say it varies by lender, cite a range to a named source, or leave it out. Lender terms change often; where a number can move, we say so rather than freezing a stale figure into the page.
• We date and re-check facts. A cited figure is only as good as the day we checked it. Each fact is tied to its source and revisited on our review schedule.

Independence: how money does not change the content

BizBee earns money through affiliate relationships — when a reader applies to or funds with a lender through our links, we may be paid. We explain that fully and plainly in How We Make Money and our Affiliate Disclosure. The rules that protect you from that conflict:

• Rankings are not for sale. A lender cannot pay to be rated higher, included, or described more favorably. Our ratings come only from the published method on How We Evaluate Lenders.
• The review reflects the product, not the payout. We review lenders we are not paid by, and we will say plainly when a popular product is a poor deal — including ones that pay well.
• Disclosure above the fold. Every page that contains an affiliate link carries a clear disclosure before that link, and all affiliate links are tagged rel="sponsored".
• Compensation and editorial are separated. The person deciding a lender’s score is not chasing its commission. If a conflict can’t be avoided on a given page, we disclose it on that page.

The claims we won’t make

These are hard lines, not guidelines:

Use of AI

We use AI tools to assist with drafting and research. Every AI-assisted page is reviewed and edited by a human before publishing, and finance facts are checked against primary sources regardless of how the draft was produced. AI does not get the final word on a YMYL page; a person does. See our AI Content Disclosure for detail.

Keeping content current

Lender products, rates, and eligibility rules change. We review money and eligibility pages on a regular cadence and after any known major change to a lender’s terms, and we update the visible “last updated” date when we make a substantive change. Older content that can no longer be made accurate is corrected, clearly marked, or removed — not left to quietly mislead.

Accuracy and corrections

We will get things wrong sometimes. When we do, we want to know and we fix it openly. See our Corrections Policy for how to flag an error and how we handle it. The fastest way to reach the editorial team is the contact details on our contact page.

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Maintained by the BizBee editorial team · Lead author Marcus Delaney, former commercial loan officer. Reviewer: Elaine Vasquez. BizBee is informational and independent. We are not a lender and do not broker loans. See also How We Evaluate Lenders and How We Make Money.