Editorial standards
Short answer
Janover Capital LLC writes this site from primary sources: SBA rules from the SOP and CFR, numbers from SBA's loan files. Software helps draft and check it. We publish every correction and never sell rankings.
sbaexpress.loans is written for owners of small businesses. Our standard: every claim has a source, every data figure comes from a file, and every date means what it says.
Who writes this site
Janover Capital LLC runs sbaexpress.loans. Pages carry the byline "Janover Capital editorial team". We do not name an individual reviewer or claim that a credentialed outside expert has checked a page.
Software, including AI writing tools, drafts and checks much of the text here, under rules we set. People at Janover Capital LLC set these standards, decide what is published and answer for errors. We do not claim that a person has read every page before it appeared.
Where facts come from
- SBA rules come from primary sources: SOP 50 10, 13 CFR parts 120 and 121, SBA notices and the Federal Register.
- Rule figures live in one facts registry of 172 entries. Each entry has its source, effective date and next check date.
- Loan numbers on our data pages are computed from SBA's public loan files by software. They are never typed.
- Today's rates are read from a live feed. We never type a current interest rate.
- A claim with no primary source does not get published.
Rules every page follows
- We say what is not known. The loan file holds approvals only, so we never estimate approval odds.
- We do not promise a fixed approval time unless a primary source gives one, and we date the quote.
- We do not name individual borrowers. Figures are aggregates of at least 5 loans.
- We do not invent people, quotes, reviews or statistics.
- Rules that vary by lender are stated as varying by lender. Each lender makes its own credit decision. Janover Capital LLC is not a lender, and this site is not the SBA.
What the dates mean
A page shows two dates where they apply. "Data as of" is the date of the SBA file behind its numbers. "Checked" is the last date a person or software agent verified its facts against the sources.
We do not change a date just to look fresh. A page's date moves only when its content or its check does.
How the money works
We earn referral fees when visitors use the financing form. Our advertiser disclosure explains who pays us and what that affects.
Data pages, lender rankings, badges and the quarterly report come only from SBA's file. No partner can pay to change them, and no partner reviews our pages before they publish.
How corrections work
To report a mistake, write to hello@sbaexpress.loans with the page and what you think is wrong.
When we change a page because it was wrong, the corrections log records it. The log shows what the page said, what it says now, why it changed and the source. Updates that are not corrections, such as a new SBA file, are not logged there.