Methodology

Source hierarchy

First preference: official company pages and company FAQs, government and regulatory materials (IRS, UCC Article 9, SBA, CMS), and recognized industry education sources (International Factoring Association, Secured Finance Network).

Second preference: legal and financial reference databases, court decisions interpreting UCC Article 9 or factoring agreements, and publicly filed documents where relevant.

Not used as company fact sources: third-party review sites, aggregator databases, lead-generation directories, press releases without verifiable primary data, and any source that cannot be independently accessed.

Each source entry in the registry records the publisher, page type, access date, and a note on what the source supports. Source URLs are re-verified periodically; when a URL returns an error or the page content no longer matches the recorded fact, the entry is flagged for review.

Company profile structure

Each company profile draws from at least two independent public sources. The profile records what the company publicly states about advance rates, fees, contract length, recourse availability, industries served, and same-day funding claims. Each of those fields is tagged with a source ID or marked Not publicly disclosed.

Data confidence is recorded as medium or low. Medium means sufficient public material exists to write a neutral factual profile, but applicant-specific terms require direct verification. Low means limited public disclosure was found, the product identity is unclear, or available sources are mostly high-level or historical.

Low-confidence profiles include a disclosure limitation note explaining what specific information could not be found. This is not a quality judgment about the company itself.

Glossary and educational content

Glossary definitions are written against IFA, Secured Finance Network, and primary legal sources. Each term includes a plain-English definition, a why-it-matters explanation, and links to related terms and articles.

Learning articles explain concepts rather than recommend providers. Article body text links to relevant glossary terms on first use. Editorial blocks within articles highlight definitions, common misunderstandings, clause comparisons, and warnings where relevant.

Industry guides document the specific cash flow patterns, invoice documentation requirements, factoring fit, and contract clauses relevant to each industry. They are not sales pitches for factoring; they include what factoring does not solve for that industry.

Not publicly disclosed

Pricing, advance rates, contract length, recourse exceptions, reserve release timing, and same-day funding claims are not shown as fixed facts unless tied to a public source on the company's own website or official documentation.

Terms quoted verbatim from a company's public pages are treated as accurate at the time of source access. They are not treated as guaranteed terms for any applicant, since actual terms are contract-dependent and vary by invoice, debtor credit, industry, and documentation.

When a fact cannot be confirmed from a qualifying source, the Not publicly disclosed label is used consistently rather than omitting the field or substituting an industry average.

Review process

Company profiles are reviewed when a source URL is flagged as stale, when a reader submits a documented correction, or when a source verification round identifies changed content on an official company page. The Last checked date on each company profile reflects the most recent review.

Educational content is reviewed when regulatory guidance changes, when industry terminology shifts, or when a reader correction identifies a factual issue. The Last updated date on educational pages reflects the most recent editorial review.

Corrections that affect company identity, fee statements, legal meaning, or source attribution are prioritized. Requests for changes that are not supported by a qualifying public source are not applied.