Transparency about our business model
FundingPoint is completely free for consumers. You will never be charged to use our comparison tools, read our guides, or use our calculators. We believe in being fully transparent about how we generate revenue, so you can understand what motivates us and evaluate our content with that context in mind.
Important: FundingPoint is not a lender. We do not make loans, extend credit, or make any credit decisions. We are an educational and comparison platform that connects consumers with lending partners.
When you use our comparison tools and choose to connect with one of our lending partners, we may receive a referral fee from that lender. This is our primary source of revenue.
This does not cost you anything extra. The referral fee comes from the lender, not from you. The rates and terms you receive from a lender are the same whether you find them through FundingPoint or go to them directly.
The amount of compensation we receive varies by lender and product type. Mortgage referrals typically generate higher fees than personal loan referrals, for example, because mortgage loans are larger.
We display advertisements on our website through Google AdSense and other advertising networks. These ads appear on our blog, educational guides, and other content pages.
Advertisements are clearly labeled and visually separated from our editorial content. We do not allow advertisers to disguise ads as editorial content.
Advertising revenue helps us maintain our free comparison tools and produce high-quality educational content without charging consumers.
The compensation we receive from lenders may affect which products appear on our site and the order in which they are displayed in our comparison tools. Lenders who pay us more may appear higher in our listings. However, compensation does not affect our editorial content, product ratings, or the recommendations we make in our guides and educational articles.
No. Our editorial team operates independently from our business team. Writers and editors do not receive compensation tied to whether readers click on affiliate links or apply with specific lenders. Advertisers and lending partners do not have input into our editorial content, and they do not review or approve articles before publication.
Our educational content covers the full range of options available to consumers, including lenders and products that are not partners. For example, our guides discuss credit unions, community banks, and government-backed loan programs even when these are not part of our comparison network. We believe you deserve complete information, not just information about our partners.
We partner with lenders that meet our quality standards. This includes being properly licensed in the states where they operate, having a reasonable track record with consumer protection agencies, offering competitive rates and terms, and providing clear disclosures. We do not partner with lenders that we believe engage in predatory practices, even if they would pay us.
You will never pay to use FundingPoint. Our tools, guides, and calculators are free, and we will never sell your personal data to third parties.
We clearly identify when we may receive compensation from a lender. Advertisements are labeled and visually separated from editorial content.
Our editorial content is produced independently. We write guides that help you, even when that means recommending options outside our network.
We do not inflate claims about lenders to earn more money. Our goal is to help you find the right option, not to push you toward the highest-paying partner.
No. The rates and terms you receive from a lender are determined by your credit profile and the lender's underwriting criteria, not by how you found them. There is no penalty for using FundingPoint, and some lenders even offer promotional rates through comparison platforms.
We only share your information with lenders you explicitly choose to connect with. If you use our comparison tools and select a lender to continue with, we share the information necessary for that lender to provide you a quote or begin the application process. We do not sell your information to lenders you have not selected.
Several factors influence the order of lenders in our comparison results, including the compensation we receive, the rates and terms being offered, and relevance to your stated preferences. We encourage you to review multiple options and compare the full terms, not just the order in which they appear.
FundingPoint is an educational and comparison platform. We do not make loans, process applications, or make credit decisions. Those activities are performed by the lenders themselves. Our role is to help you understand your options and connect with lenders that may fit your needs.
We believe in transparency and welcome your questions about how we operate.