How We Research Funding Options

<h2>Research Methodology</h2><p>This page describes how the information on GoFunding.Shop is put together, so a reader can judge how much weight to give it.</p><h2>Which Sources We Treat As Authoritative</h2><p>In order of preference: the federal agency or regulator that administers a program — the SBA, CFPB, Federal Reserve, HUD, FHA, VA, USDA, Treasury, or FDIC; the equivalent state agency; and a company's own published disclosures for its own terms. Other commentary sites are not treated as sources.</p><h2>How a Claim Is Verified</h2><p>Any figure that can change — a rate, a dollar limit, a program requirement, an eligibility rule, a statistic — is traced back to a primary source. Where a figure could not be verified against such a source, the guide describes the mechanism in general terms instead of stating a number.</p><p>Verification means someone opened the cited page and confirmed it is live, authoritative, and actually supports the claim it is attached to. A source we could not open is not cited, even when we are confident the page exists.</p><h2>When We Cite and When We Do Not</h2><p>A guide carries a Sources list when it restates a published figure or rule — an SBA loan ceiling, a CFPB definition, an FHA or VA program term. A guide carries no sources when it explains how a product works without quoting any published figure, which is true of much of what people need explained: how a revolving line differs from a term loan, what a factor rate conceals, how to weigh two offers.</p><p>We would rather publish an uncited guide that says so plainly than attach a loosely related agency page to make the guide look better sourced than it is. A padded citation costs more than it gains, because it teaches readers that our Sources lists are decoration.</p><h2>What We Will Not State</h2><p>We do not state what a reader will be approved for, what rate they will receive, or how quickly a specific company will fund them. Those depend on an underwriting decision we have no part in. Where a guide gives an example calculation, it is labelled as an illustration with its inputs shown, not as an offer.</p><h2>How Comparisons Are Built</h2><p>Product comparisons are structured around the same dimensions every time — who it suits, likely cost, speed, qualification, collateral, repayment structure, and the main risks — so two products can be read side by side. Comparisons describe categories of product; they do not rank advertisers.</p><h2>Advertising Separation</h2><p>Marketplace listings are paid advertising and are labelled as such. Guides and comparisons are written independently of them. See our <a href="/page/editorial-policy">editorial policy</a> for how that separation is maintained.</p><p>GoFunding.Shop is an advertising marketplace and educational resource. GoFunding.Shop is not a lender, bank, broker, credit repair organization, financial advisor, or insurance agency. GoFunding.Shop does not make credit decisions, guarantee approvals, guarantee rates, guarantee funding, or guarantee credit score improvement. All advertised products and services are provided by independent companies responsible for their own legal and regulatory compliance.</p>