Reference

Editorial standards

Every factual claim on this site traces to a real, checkable source (gov.uk, HMRC, Companies House, the Bank of England, or an equivalent primary body), not a secondary blog restating someone else's number. Nothing goes live without a real person reviewing it first. This page sets out what that actually means in practice, not as a policy statement but as the process this site runs.

The problem

Most finance sites don't say how a claim got checked

A figure on a finance site is either right or it isn't, and the reader usually has no way to tell which. Most sites don't say where a number came from, whether it's current, or who checked it before it went live. This page isn't a general commitment to "quality". It's a specific account of the checks a claim has to pass.

Why it happens

A confident sentence and a checked sentence read identically

Nothing about how a claim is phrased tells you whether it was verified. "Rates are competitive" and "the base rate is 3.75%, held at the 30 July 2026 decision" can sit in the same paragraph with the same tone. One is empty; one is checkable. The only way to tell the difference is to show the source, which is why every specific figure on this site carries a link to where it actually came from, not just a claim that it's accurate.

Sourcing

What "sourced" actually means here

A primary source: gov.uk, HMRC, Companies House, the Bank of England, the FCA, or an equivalent regulator or official body, cited with a real, working link. A named industry body's own published research (UK Finance, the British Business Bank, The Data City) counts, cited the same way. A secondary source restating someone else's number (a marketing blog, a competitor's page, an aggregator) does not count on its own, and where a figure could only be traced that far, it either gets verified against the real primary source first or it doesn't get published as a hard fact. See Data Sources for the working list this site actually cites from.

What doesn't get published as fact: a specific number, date, or claim that can't be traced to a real source gets rewritten as a general, honestly-hedged statement instead, or left out. This has happened while the site was being written: drafts included figures that turned out to be unverifiable, and they were cut or rewritten before publishing rather than corrected after a reader flagged them.

Checks

The checks a page runs before it's allowed to publish

If something looks wrong

What backs each kind of claim

What you're readingWhat backs itWhat to do if it looks wrong
A specific figure, rate, or thresholdA linked primary source, checked on the date shownCheck the link: dates move
A general industry pattern ("usually," "in our experience")A genuine, generalised observation, not a specific invented caseTell us if it doesn't match your experience
A claim you can't trace to anything on Data SourcesTreat it as unverifiedAsk us directly: we'd rather correct it

Scope

Every page, not just the data-heavy ones

This process applies to every page on the site, not just the ones that look like they carry heavy factual weight. A short facility page and a data-heavy reference page go through the same checks. The difference is only in how much there is to verify.

Limits

What this process can't promise

This page describes the process, not a guarantee against every possible error. Rules change, sources get superseded, and a check run today can go stale. What it does commit to: every figure carries a link to the source it came from, and a genuine correction process exists rather than a static page nobody revisits. See Data Sources for the sources themselves, and tell us directly if something looks out of date.

Working through a funding decision?

If this is part of a finance question for your business, tell us what's happening and we'll tell you whether it's something we can help with.

Adam Parker

Adam Parker

Founder of Muswell Rose Consulting Ltd, which trades as Established Finance · former Managing Director of Penny, an invoice finance business, with 15+ years across mortgages, commercial finance and fintech lending.

Last updated: