<?xml version="1.0" encoding="UTF-8"?>
<!--
  Master site sitemap, hand-maintained, not generated. Covers the top-level pages a crawler should
  see (home, the financing map, each calculator, the /learn hub; /apply is noindex so it is not listed). Does not duplicate the individual /learn
  article URLs; those are generated and kept current by scripts/build_content.py into
  web/learn/sitemap.xml. robots.txt lists both Sitemap directives so a crawler discovers everything
  without this file needing to replace or re-derive the generator's own output.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://bizyfi.com/</loc></url>
  <url><loc>https://bizyfi.com/map/</loc></url>
  <url><loc>https://bizyfi.com/directory/</loc></url>
  <url><loc>https://bizyfi.com/calculators/dscr-capacity</loc></url>
  <url><loc>https://bizyfi.com/calculators/dscr-calculator</loc></url>
  <url><loc>https://bizyfi.com/calculators/borrowing-base-calculator</loc></url>
  <url><loc>https://bizyfi.com/calculators/sba-payment-calculator</loc></url>
  <url><loc>https://bizyfi.com/calculators/lease-vs-loan-calculator</loc></url>
  <url><loc>https://bizyfi.com/calculators/refinance-breakeven-calculator</loc></url>
  <url><loc>https://bizyfi.com/calculators/factoring-vs-loc-calculator</loc></url>
  <url><loc>https://bizyfi.com/glossary</loc></url>
  <url><loc>https://bizyfi.com/learn/</loc></url>
</urlset>
