Our commitment to accuracy, transparency, and editorial independence
At FundingPoint, we believe that accurate, unbiased financial information is essential for consumers making important borrowing and credit decisions. Our editorial team follows strict standards to ensure that every guide, calculator explanation, and comparison we publish is factually accurate, up-to-date, and genuinely useful. This page explains how our content is created, reviewed, and maintained.
Our editorial team operates separately from our business and advertising teams. Advertisers and lending partners have no influence over our content, ratings, or recommendations.
Every claim in our content is verified against primary sources, including federal regulations, lender disclosures, and peer-reviewed research. We correct errors promptly when found.
We write for the reader, not for search engines or advertisers. Our goal is to help you understand complex financial products and make better decisions for your situation.
We disclose how we make money, clearly label advertisements, and explain our methodology. You should always know why you are seeing certain information.
Financial markets and regulations change constantly. We review and update our content regularly to reflect current rates, rules, and best practices.
We are explicit about what our content is and is not. FundingPoint provides general education, not personalized financial advice. We encourage consulting professionals for individual guidance.
Before writing begins, our editorial team identifies the key questions readers have about a topic. We research primary sources including federal agency publications (Consumer Financial Protection Bureau, Federal Reserve, FTC), state regulatory filings, academic research, and official lender disclosures. We outline the article structure to ensure comprehensive coverage without unnecessary length.
Our content is written by experienced financial journalists and subject matter experts, many of whom hold professional certifications such as Certified Financial Planner (CFP), Chartered Financial Analyst (CFA), or have backgrounds in banking, lending, or financial regulation. Writers are assigned to topics that match their expertise. You can learn more about our team on our About page.
Every article is fact-checked before publication. Our fact-checking process includes verifying all statistics and data points against original sources, confirming that regulatory information reflects current law, checking that any rate or fee examples are realistic and clearly labeled as illustrative, and ensuring that comparisons are fair and do not omit important caveats. Fact-checkers flag any claims that cannot be independently verified.
Our Editor-in-Chief or a senior editor reviews all content for clarity, accuracy, and adherence to our style guide. This review ensures that content is written at an appropriate reading level (we aim for 8th-10th grade readability for maximum accessibility), that jargon is explained, and that the piece provides genuine value to readers. The editor may send articles back for revision if they do not meet our standards.
After publication, we monitor reader feedback and questions. If readers point out errors or areas of confusion, we investigate and update the content as needed. We also track when relevant regulations, market conditions, or lender policies change and proactively update affected articles.
Financial information changes frequently. Interest rates fluctuate, regulations are updated, and lenders modify their products and terms. We are committed to keeping our content current and correcting any errors we discover.
When we discover an error, we correct it as quickly as possible. For significant corrections (those that materially change the meaning or advice of an article), we add a correction note at the top of the article explaining what was changed and when. Minor corrections (typos, broken links, formatting issues) are fixed without a formal correction notice.
If you believe you have found an error in our content, please contact us. We take all reports seriously and investigate promptly.
FundingPoint earns revenue through referral fees from lending partners and through advertising. We recognize that this creates potential conflicts of interest, and we have implemented policies to ensure these relationships do not compromise our editorial integrity.
Our editorial team does not receive compensation tied to whether readers click on affiliate links or apply with specific lenders. Writers and editors are paid salaries or flat fees for their work, not commissions. The business team does not have approval authority over editorial content.
Paid advertisements are clearly labeled and visually distinguished from editorial content. When we link to a lending partner and may receive compensation, this is disclosed. Sponsored content, if any, is prominently identified as such.
Lenders and products are evaluated based on objective criteria relevant to consumers: rates, fees, eligibility requirements, customer service reputation, and regulatory standing. We do not exclude legitimate lenders from our coverage simply because they are not paying partners, nor do we inflate the presentation of partners simply because they pay us referral fees.
Transparency about how content is created helps readers evaluate its trustworthiness. Here is our process:
In the interest of full transparency, here is how we use (and do not use) AI and automation:
Our calculator tools use programmatic formulas based on standard financial calculations. These are deterministic mathematical operations, not AI-generated outputs.
Our content draws from authoritative sources including:
We welcome feedback, questions, and suggestions. If you have concerns about our content or want to report an error, our editorial team is here to help.