Editorial standards

The rules we apply to every reading, every postmortem, every alert.

1. Lender independenceWe do not accept sponsorship, ad placement, or paid content from lenders. We do not accept embargoed materials. We do not allow lenders to review pieces pre-publication.
2. Composite casesPostmortems are composite. Identifying details are scrambled (unit count rounded, MSA preserved, vintage decade preserved, sponsor name removed). The financial mechanics are real.
3. Two-source verificationCapital-disruption alerts require two independent sources: at least one public (SEC, FDIC, OCC, press release) and the alert never publishes on a tipline-only signal.
4. Rate-quote precisionEvery rate cited carries a SOFR base reference (date + reading), origination + exit fee structure, and prepay structure. No teaser rates without context.
5. No legal adviceWe are not your lawyer. We surface what operators have been signing and what's hurt them. Decisions stay with you.
6. CorrectionsSee /corrections. Never silent edits.
7. Author bylinesEvery analytical piece carries an author byline + contact. Editors are listed at /about.