Editorial Standards & Methodology
Transparency is foundational to our work. This page explains how we evaluate lenders, produce content, and maintain editorial independence.
Independence Disclosure
Brevo Capital earns referral fees from some lending partners when visitors apply through links on our site. This compensation never influences our rankings, ratings, or editorial recommendations. Our lender evaluations are based entirely on our scoring methodology. We review lenders that do not pay us referral fees with the same rigor as those that do. If a lender pays us a fee, that relationship is disclosed on the relevant page.
How We Evaluate Lenders
Every lender on Brevo Capital is evaluated using a consistent, five-category scoring framework. Each category is weighted equally at 20%:
Cost of Borrowing (20%)
We analyze APR ranges, origination fees, draw fees, prepayment penalties, and total cost of borrowing. Lenders with transparent, competitive pricing score highest.
Accessibility (20%)
We evaluate minimum credit score, revenue requirements, and time-in-business thresholds. Lower barriers to entry earn higher scores, as we prioritize options that serve underserved borrowers.
Funding Speed (20%)
We measure the typical time from completed application to funds deposited. Same-day and next-day funders score highest.
Customer Satisfaction (20%)
We aggregate ratings from BBB, Trustpilot, Google Reviews, and verified customer testimonials. Lenders with fewer than 50 verified reviews receive a lower confidence score.
Product Flexibility (20%)
We assess the range of loan products offered, repayment options, credit limit ranges, and borrower-friendly features like early payoff discounts or rewards programs.
Our Review Process
Step 1: Research
Every lender review begins with primary research: we collect rate information, fee schedules, and borrower requirements directly from each lender's official website. We cross-reference these details against third-party review sites including BBB, Trustpilot, and NerdWallet.
Step 2: Analysis & Writing
Our analysts write content based on their professional expertise in commercial lending, accounting, and small business finance. Every claim about rates, requirements, or terms includes a source attribution.
Step 3: Expert Review
Before publication, all content is reviewed by a credentialed finance professional (MBA, CPA, or equivalent). The reviewer verifies factual accuracy, ensures balanced coverage, and checks that all disclosures are present.
Step 4: Quarterly Updates
Business lending rates and terms change frequently. We review and update all lender profiles and comparison pages on a quarterly cycle. Each page displays a "Last Updated" date so you always know how current the information is.
Update Policy
Business lending is a dynamic industry. Rates, fees, and lender requirements change frequently. We follow a structured update schedule to keep our content accurate:
- Quarterly reviews: All lender profiles and comparison pages are reviewed every 90 days.
- Material changes: When a lender announces significant rate or policy changes, we update the affected pages within 5 business days.
- Date stamps: Every content page displays a “Last Updated” date so you can verify currency.
- Corrections: If we discover an error, we correct it immediately and add an editorial note explaining the change.
Our Analysts
Every article on Brevo Capital is written or reviewed by a credentialed finance professional.
Senior Business Finance Analyst
12 years in commercial lending. MBA from NYU Stern. Former portfolio manager.
Small Business Financial Advisor
CPA with 8 years advising small businesses on financing and tax strategy.
Questions About Our Process?
If you have questions about our editorial process, want to report an inaccuracy, or are a lender interested in being reviewed, please contact us.