Biz Intel Desk explains how banks and Islamic banks assess business financing: what a credit team checks, which numbers matter, and how to prepare. This page sets out who writes our content, how we check it, and how we keep it independent.
Who writes Biz Intel Desk
Our content is written and reviewed by a small team with hands-on experience in corporate and Islamic banking credit: preparing and reviewing credit proposals, financial spreading and ratio analysis, structuring working capital and term facilities, and answering credit risk queries. We publish under the Biz Intel Desk name rather than individual names, so that what we write is never mistaken for the view of any bank we work with or have worked with.
How we choose topics
We write about the questions business owners actually ask before and after they apply for financing: how much they can borrow, why an application was declined, what a covenant means, how Islamic modes such as Murabaha, Ijarah and Diminishing Musharakah work in practice. If a reader asks something we cannot answer well from experience and reliable sources, we do not publish on it.
How we research and check facts
- Regulatory and product facts are checked against primary sources, such as the State Bank of Pakistan, the Securities and Exchange Commission of Pakistan, the U.S. Small Business Administration, AAOIFI and IFRS standards. We link to these sources at the end of each article.
- Formulas and worked examples are recalculated before publishing, and our calculators are tested against the same examples.
- Where practice differs between banks or countries, we say so rather than presenting one approach as the rule.
- We use software tools, including AI writing and editing assistants, to help draft and edit. Every article is reviewed, corrected and approved by a member of our team before it is published.
Updates and corrections
Rates, limits and regulations change. We review our most-read guides regularly and show the last updated date on each article. If you spot an error, email support@bizinteldesk.com with the page link and what needs correcting. We fix confirmed errors promptly and note significant changes in the article.
Independence and how we make money
- We do not arrange loans, take referral fees from lenders, or accept payment to mention or rank any bank or financial product.
- We sell our own templates and toolkits, such as the SME Loan Package Starter Kit. Where an article mentions one of our products, it is clearly labelled.
- We may show advertising. Advertisers have no say over what we write.
What our content is not
Our articles are general education about how business credit usually works. They are not financial, legal, tax or Shariah advice, and they cannot replace a conversation with your bank, a licensed advisor or a qualified Shariah scholar about your own situation. See our disclaimer for details.