Honestly this was the best experience ever! Highly recommended!!!! Just amazing! I will definitely be using their services many times! So easy and great communicatio! HIGHLY RECOMMEND WORKING WITH RIC... See more
Company replied
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In doubtful financial days, I did not hesitate to look for Torro Funding. We cannot be stranded and we have to continue working for my family and my employees. Thanks to Torro Funding and Adam, their... See more
Company replied
Charlie was very helpful from beginning to end. He helped me navigate through the process and even walked me through tech issues that were my error. I was funded in less than a week, but could have be... See more
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Fast Approval & Smooth Service I applied with Torro Funding around September 12 and got approved shortly after. The process was quick, and the service was very professional. Communication was clear... See more
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Company details
- #122 of 254 best companies in Non-Bank Financial Service
- #79 of 207 best companies in Alternative Financial Service
- #22 of 62 best companies in Finance Broker
- #41 of 113 best companies in Financial Institution
- #25 of 123 best companies in Online Marketplace
Written by the company
Founded in 2015, Torro Funding is a Fintech direct funder that provides working capital to U.S.-based startups, small, and medium-sized businesses. Unfortunately, many entrepreneurs have been denied traditional funding by their banks. Many merchants turn to Torro because we think differently from banks. We consider several historical factors, and our decision is not solely based on credit. In as little as 24 hours, your existing business could receive up to $500,000 in funding to cover various expenses such as meeting payroll, purchasing inventory, consolidating outstanding debts, and expanding. Could your business benefit from some extra money in the bank? If so, fill out our quick and easy application at www.torro.com or call 1-866-858-2404. You’ll typically receive a pre-approval in under 24 hours.
Contact info
5965 S 900 E, 84121, Murray, United States
- 866-858-2404
- accounting@torro.com
- torro.com
4.7
Excellent
913 reviews
Replied to 60% of negative reviews
Typically replies within 24 hours
Charlie at Torro Funding was great to…
Charlie at Torro Funding was great to work with. He followed up quickly, was professional, and helped me get the funding I needed to handle my business needs. Highly recommend!
Date of experience: July 07, 2025
Honestly this was the best experience…
Honestly this was the best experience ever! Highly recommended!!!! Just amazing! I will definitely be using their services many times! So easy and great communicatio! HIGHLY RECOMMEND WORKING WITH RICHARD!
Date of experience: July 03, 2025
Reply from Torro Funding
Thank you so much for sharing your experience with Torro Funding and Richard. Torro has had business owners' backs since 2015. We are always a call, text, or email away to help you secure the working capital you need!
We look forward to many more years to come!
Adam is great with his work.
Adam is fantastic on getting back with result. He’s on top of things and very responsive, highly recommend Adam.
Date of experience: June 30, 2025
Reply from Torro Funding
Hey My! Thank you for sharing your experience with Torro Funding, and specifically, with Adam. Torro has you back no matter the funding situation. Please keep Adam's contact info close!
Very Helpful and Attentive
Devon was very helpful and attentive to my needs. Great working with him.
Date of experience: June 02, 2025
Reply from Torro Funding
Thanks for leaving a review! We love hearing that Devon is getting things done for our clients. Torro Funding will always be here for all your working capital and growth needs!
Charlie is great!
Charlie was very helpful from beginning to end. He helped me navigate through the process and even walked me through tech issues that were my error. I was funded in less than a week, but could have been completed faster if I wanted. Yes, the repayment amount is high, but Charlie got me what I needed when no one else could. Thank you!
Date of experience: June 11, 2025
Reply from Torro Funding
Hey Corey! Thanks for reaching out and sharing your experience with Torro Funding and Charlie. Torro will always be here to help your business with any working capital needs! Charlie is just a text or phone call away!
Experienced and Helpful
We bought a business and needed funds for inventory Zach Ward and Donnie Waldvogel helped us get the funds real quick, both Zach and Donnie are professional and very helpful making sure that we understood how it all worked and even after everything was done they called to check and make sure that we received our funds to our satisfaction, very much appreciated Thanks for all the Help Guys.
Date of experience: June 04, 2025
Reply from Torro Funding
Hi Elisabeth! We love that Donnie and Zach were able to help your new business secure the much-needed capital for inventory. Please keep us in mind if you ever need additional funding. As a direct lender, Torro offers funding for not only new companies but also businesses that are already up and running!
Fast Approval & Smooth Service
Fast Approval & Smooth Service
I applied with Torro Funding around September 12 and got approved shortly after. The process was quick, and the service was very professional. Communication was clear, and they made everything easy to understand. Overall, a very good experience—would definitely recommend to other small business owners looking for funding support.
Date of experience: September 12, 2024
Reply from Torro Funding
Hey Kurtis. Thank you for taking the time to share your experience. Torro Funding is always a text or call away. We work hard to help business owners like you secure funding, regardless of the situation.
Great service get thing done fast over…
Great service get thing done fast over all I love it
Date of experience: June 26, 2025
Reply from Torro Funding
Thank you for the review. Torro Funding is just a tool in your toolbox to help grow your business.
They were prompt and very clear
Date of experience: March 14, 2025
Reply from Torro Funding
Thank you for sharing your experience, Saidur! Torro Funding is always here for all your business capital needs!
Been working with Adam from Torro
Been working with Adam from Torro, a few times now. They are great, quick, and easy to work with. Highly recommend.
Date of experience: June 23, 2025
Reply from Torro Funding
Hey Dominic! Thank you for informing us about your experience with Torro Funding and Adam B. Torro Funding will always help you get the working capital you need to run your business.
Joshua Morales
Joshua Morales,
The greatest, always ! He has done everything he can to help me !
Date of experience: June 23, 2025
Reply from Torro Funding
Hi Veronic and Fernando! At Torro Funding, we explore every funding option to secure our clients' capital needs in every situation. Please keep Torro Funding at the top of your list should you need additional business funding in the future!
Torro isn't business lender (They use your personal credit
Torro isn't a business lender (They use your personal credit to get you a personal loan and credit cards in your name. Not the business name. They charge you a fee to get a personal loan and a credit card, which you can get for free. Stay away
In response to your reply, Zach Ward never explained that Torro only offers 0% credit cards. AS I STATED BEFORE, INDIVIDUALS CAN OBTAIN 0% CREDIT CARDS WITHOUT PAYING A FEE TO TORRO. PAYING TORRO $5000 FOR A CREDIT CARD THAT YOU CAN GET FOR FREE IS INSANE.
READ OTHER REVIEWS
BTW: THEY HAVE A TEAM TO RESPOND TO REVIEWS. WHAT DOES THAT SAY ABOUT TORRO BUSINESS
Date of experience: June 16, 2025
Reply from Torro Funding
Hi Donald,
We appreciate you sharing your thoughts, even if we respectfully disagree with your assessment.
Torro is a direct funder that provides business capital to companies already up and running, typically for 6+ months and on pace to generate $240,000+ annually. For newer ventures or pre-revenue businesses, traditional funding is extremely limited, which is why we offer the SLOC (Syndicated Lines of Credit) program — a proven option that utilizes personal credit to access personal and/or business credit cards.
Your representative, Zach Ward, explained this clearly during your consultation. At no point was there any dishonesty. You ultimately chose not to proceed, which we fully respect.
It’s important to clarify:
We do not offer personal loans: we help secure 0% APR credit cards for business use.
We do not hide our fees. We’re transparent that we charge for our expertise and our time. Additionally, we charge no fees up front. We only collect a fee once the credit cards are in your hands.
Even legendary entrepreneurs like Bill Gates used personal credit cards to launch Microsoft because when you’re in pre-revenue, that’s often the only path forward.
We always aim to match the right solution to the right stage of business. Not every option fits every entrepreneur, and that’s okay. But mislabeling or misrepresenting what we do only hurts others looking for a real path to capital.
If you ever decide to revisit funding, we’d happily re-engage.
Updated response 6/21/25
Hi again, Donald,
We appreciate the continued feedback, but we stand by our original response and want to clarify a few key points for those reading:
Zach Ward did explain the SLOC program in detail, including that it uses personal credit to secure 0% introductory rate credit cards. That’s not a secret, and it’s clearly laid out during every consultation. We also sent you the transcript of the recorded call to help with any confusion.
You’re absolutely right—people can apply for credit cards on their own. But they often end up with lower limits, fewer approvals, and wasted inquiries. Our goal is getting a client access to larger funding amounts through hands-on support, strategy, and positioning. That’s what the service fee covers—not “just a credit card.”
Saying “$5,000 for a free credit card” misses the point entirely. Our clients aren’t paying for access to a website form — they’re paying for results. Our fee is strictly result based only after credit cards have been received. And those results often exceed what they could do on their own.
And yes, we have a team that responds to reviews. This shows that we take our reputation seriously, care about our clients’ experiences, and believe in transparency. That’s what good businesses do.
We encourage people to do their research instead of making assumptions. Our hundreds of positive reviews on Trustpilot and BBB speak for themselves.
We wish you all the best in your business journey. We’ll continue helping the thousands of entrepreneurs who value real funding, real support, and real results.
– The Torro Team
Adam was great to deal with
Adam was great to deal with. Helped us get some operating capital for our business.
Date of experience: June 18, 2025
Reply from Torro Funding
Hi Becky! Thank you so much for reaching out and leaving a review of your experience with Torro Funding. Please know that Adam works very hard and will always be a phone call away if you should ever need additional working capital for your business. We wish you continued success along your business journey!
-Torro Funding Team
They won’t approve you even with a 700+ FICO due to inquiries
They couldn’t approve me even though I had like a 702 FICO on Trans Union, just because there was like a few inquiries on the thing and it’s like come on, bro obviously, there’s gonna be inquiries because I’m shopping around for credit.
All good though, I’ll just let my inquiry fall off and go to Chase in 24 months with my EIN number and I’ll get something going since I’ve had a relationship with them for years. guys if they can’t approve a 702 TransUnion you better be pulling up with like a 790 with 0 inquiries and that rate you can just get better deals from your local bank or credit union
Date of experience: June 18, 2025
Reply from Torro Funding
Your FICO score is definitely a solid start, but lenders look at more than just the score. In your case, the number of recent inquiries and newly opened accounts raised red flags, especially since many of those inquiries were with the same banks we would’ve worked with on your behalf. Rather than submitting your application and risking additional dings to your credit, we chose to hold off — not to deny you, but to protect your long-term credit health.
We recommended stabilizing your profile for 6–12 months and inviting you to revisit the process with us when it’s stronger. That’s not a brush-off—that’s responsible underwriting.
We’re proud of our hundreds of 5-star reviews from real clients on Trustpilot and the BBB, which show that we’re not here to waste anyone’s time or damage anyone’s credit. We simply want the best outcomes for our clients—even if that means saying “not yet.”
Wishing you success with your future funding goals,
– The Torro Team
This is a great place to do…
This is a great place to do business,very kind,very helpful and super nice,also they work very quick,all in one day... highly recommend... Thank you Joshua Morales.
Date of experience: June 15, 2025
Reply from Torro Funding
Fast and painless is the way we work! Appreciate the review, Joe. Torro will always be here for all your business funding needs. Please reach out if you need anything in the future!
Torro & Tristan - Dynamic Duo
First I must say what a wonderful experience with Tristan at Torro from beginning to the end process was smooth, great communication 5 stars Highly Recommend! Thanks for believing in me and my business!
Date of experience: June 16, 2025
Reply from Torro Funding
Thank you so much for your kind words, Erica! We're thrilled to hear you had a great experience with Tristan and the team at Torro. It's always our goal to make the process smooth and supportive from start to finish. Your success means everything to us, and we’re excited to see what’s ahead for you and your business!
I was in desperate need of funding to…
I was in desperate need of funding to keep my business open and Adam work thoroughly and walked me through every step making it as easy as possible and stayed in contact with me throughout the whole process and that made me feel comfortable and at ease with giving out personal information, I appreciate Adam and would recommend Torro if you are in immediate need.
Date of experience: June 16, 2025
Reply from Torro Funding
Hey Michael, thanks so much for the awesome review! We’re thrilled Adam could be there for you when you needed it most. We know how stressful that kind of situation can be, so it means a lot to hear he made the process smooth and comfortable. Wishing you all the best with your business, and don’t hesitate to reach out if you ever need anything else! Torro Funding has your back
Great communication
Adam was great answering all of my questions. Communication was great. Will reach back out to Adam in the future if I need another loan.
Date of experience: June 10, 2025
Reply from Torro Funding
Good Morning Ron and thanks for the review. We love to hear Adam helped you secure the working capital you needed for your business! Please keep Torro Funding in mind if you should ever need any additional money for your business!
I worked with Torro Funding for…
I worked with Torro Funding for obtaining funding for my business. I worked with Gabriel, Joshua & Dillon in getting funding for my business.
The Torro Funding Team was extremely helpful in my obtaining funds for my business. I enjoyed working with everyone on the Team who assisted me.
I am grateful for the opportunity to work with Gabriel, Joshua and Dillon who supported me in obtaining funding for my business. I always feel like I could ask questions of the members of the Torro Team.
Thank you so very much for your consideraiton.
All the Best!
Date of experience: June 06, 2025
Reply from Torro Funding
Greetings, Lawrence. We appreciate you letting us know how things went when you applied for funding through Torro Funding. We will always help you get the capital you need for your business. Please keep us in mind in the future. Cheers!
All I can say is "possible malware-stay away".Hacked
All I can say is "interesting"! I contacted T (Torro) for small busines quasi start-up funding. My Credit Score is mid 700's. After they got my credit report, I never heard from them again. I left over a half dozen phone calls to Manuel S., on the company VM, and around 6 emails --nothing. After I complained via email, on May 27th, I received an email "Invitation to Join Our Proposal" from Manel S. A share file attachment on which clicked "View Sharefile Document. I get "Success" screen both before an after a program is downloaded to my PC. When I open it, a program is loaded on my PC -- however as long as this program is on my PC, whenever my PC shuts down, (Restarts on it's own), up comes a blue Windows Update screen-the usual kind (Don't turn off your computer, etc) When it reaches 7%, screen freezes and cursor jumps all over the place. "7% Blue Screen of Death!" (It gets past my Avast Premium.) Fortunately, I know how to recover from this. I tried uninstall/re-install 3 times - same result. Contacting Windows Support-they suspect ill intent, however I told them this was a trusted sender. Now, I am not so sure. I have requested assistance from various Torro phone numbers by email or for them to resend another way and STILL NOTHING. It seems that Torro might have sent me malware! To date, I haven't heard a thing. No letter, no nothing. I even tried submitting another loan app -also nothing. So, now they have my personal info. Therefore, right now, my advice is, based on my experience, STAY AWAY. I have copies of everything. They acted so glad to help me until they got my info. Clean credit report, 740+ score. I would like to know what prompte this werid response (or lack of). Their silence is deafening. Oh, one last this, the Sharefile that was sent to me on May 28th had a May 30th termination date. WTF????? I have no idea what was in that file, who else it went to and why it was sent. Thank you, Torro for your excellent customer service. Are they hacked? Who ever these poeple are-delete all of my info, please.
I did get a timely reply to my comments abovs. I was figuring it was denied for some reason. However I wish I would have been communicated to about this denial from Toro so we could discuss it. It also would have resulted in my not downloading some scammers junk because I would have had a closure to this particular case. I appreciate you coming forward with the information now but you could have prevented a lot of this by communicating with me at the time of the denial which I do not have a problem with. I good enough credit to get other funding for my bank. And I also purchasing a duplex in the next few months. In the meantime II will take your advice and call me if that phone number and we'll go from there. Always remember conversation builds trust.
Date of experience: May 25, 2025
Reply from Torro Funding
Hi William,
Thank you for sharing your experience. We’re truly sorry to hear about your confusion and frustration.
After reviewing your case, we can confirm that your application with Torro Funding was submitted in March but was ultimately declined. We have no affiliation with Sharefile or related downloads and did not send any software or file attachments. The file you referenced and the issues it caused do not originate from our systems, and we recommend extreme caution with any unexpected downloads, even if they appear to be from a known contact.
We take data security and client privacy seriously. If you believe your information has been compromised or misused, we encourage you to contact us directly so we can investigate further and ensure your information is handled properly.
Please call our service line at 866-858-2404 and reference your original application so we can look into this promptly.
We appreciate the opportunity to clarify and hope to speak with you soon.
Sincerely,
The Torro Funding Team
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