How We Make Money

The short version

BluLoans is free for you to use. We plan to earn money through referral compensation: when you use our site to connect with a participating funding provider — for example, by clicking through to a provider's site from one of our comparison tools — that provider may pay us a fee. That is the whole model. We do not charge you, we do not sell your personal information, and we do not lend money ourselves.

BluLoans is not a direct lender. Providers make all credit decisions, and connecting with a provider through our site does not guarantee approval.

How referral compensation works

The arrangement is common across comparison sites, and it works like this:

1. You read our educational content and use our tools at no cost.
2. If you choose to explore a funding option, you click through to a participating provider.
3. If that click leads to an outcome the provider pays for (typically a completed referral or a funded customer, depending on the agreement), the provider pays BluLoans a fee.

The fee comes from the provider's marketing budget, not from you. Providers set their own rates and terms based on their own criteria; our compensation is not added to your cost of borrowing by us. That said, you should always compare total costs across more than one provider — our business loan calculator can help you compare offers on equal footing.

What compensation can and cannot influence

We separate two things that some sites blur together:

• Compensation may affect which providers appear on the site and, in clearly labeled comparison and matching tools, the order in which they appear. We can only feature providers who participate, so participation itself is shaped by commercial relationships. Wherever ordering can be influenced by compensation, the page will say so. Our Advertising Disclosure covers this in detail.
• Compensation never changes our educational content, our ratings, or our published evaluation criteria. Guides, explainers, cost breakdowns, and warnings are written by the editorial side of the site under our Editorial Policy. Provider ratings, when live, will follow the fixed criteria and weights in our Rating Methodology. A provider cannot pay for a better rating, pay to soften a criticism, or pay to remove an honest description of a product's downsides.

If we ever describe a product's risks less clearly because of who pays us, we have failed at the only job that makes this site worth visiting. Holding those two lists apart is the core promise of this page.

Where we are today: real listings, no active partnerships

Honesty requires a status report. As of the review date on this page:

• Our comparison tools list real lenders and marketplaces, ranked editorially under our published methodology. Public review scores are shown with their source and the date we observed them, and are re-verified quarterly.
• No affiliate partnership is active yet. Provider links currently go to each company's public website, and we earn nothing when you click them.
• The ranking was set before any compensation arrangement existed, and an automated payout-blind check in our build pipeline prevents rank changes from ever riding along with a partnership going live.
• Because there is no live compensation, there is currently no compensation influencing anything on the site. This page describes the model we are building toward, disclosed before it exists rather than after.

What will change when partnerships go live

When a provider partnership launches, you can expect the following — and only the following — to change:

1. That provider's outbound link destination switches from its public website to an affiliate application link. Its ranking does not move.
2. Every page or tool where compensation can influence presence or ordering will carry an on-page disclosure.
3. Qualification specifics (credit floors, revenue minimums) will display only after we verify them against the provider's current published criteria, each carrying a verification date.
4. This page and the Advertising Disclosure will be updated to name the compensation structures actually in use, and the dateReviewed at the top of this page will change accordingly.

Why we publish this at all

Referral compensation is not a dirty secret — it is how most free comparison platforms keep the lights on. What separates trustworthy platforms from the rest is whether the model is disclosed plainly and whether editorial judgment is insulated from it. We would rather over-explain our incentives than have you wonder about them.

Questions about our business model are welcome at hello@bluloans.com.

{{LEGAL REVIEW}} Before partnerships go live: review actual compensation agreements against this description (referral fee vs. per-funded-deal vs. flat placement), confirm no agreement includes ranking or rating commitments, and confirm this page's description satisfies FTC material-connection disclosure guidance alongside the Advertising Disclosure page.