Torro Funding Reviews 1.036

TrustScore 4.5 uit 5

4,5

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Lees wat reviewers zeggen

Beoordeeld met 5 van de 5 sterren

I'm writing this review because I was extremely happy with the way Joshua Morales handled my business loan process. He was very informative on what services that Torro offer every step of the way and... Toon meer

Beoordeeld met 5 van de 5 sterren

I had a wonderful experience with Torro. They got me the start up funds for my new company when most institutions closed their doors on my face. The team is great!...all of them, but special thanks to... Toon meer

Beoordeeld met 1 van de 5 sterren

dont do business with them. they either open credit cards in your business name for you and charge a fee or offer the mca advance loans for income. they are going to freeze your procesors and steal yo... Toon meer

Bedrijf heeft geantwoord

Beoordeeld met 5 van de 5 sterren

A shout-out to Torro Funding and its staff, especially to Derek Phillips, who was truly professional in handling my case and needs. The process was fast and executed professionally. Also, Mr. Josh an... Toon meer

Bedrijf heeft geantwoord

Bedrijfsgegevens

  1. Niet-bancaire financiële diensten
  2. Alternatieve financiële diensten
  3. Financieringsmakelaar
  4. Financiële instelling
  5. Online marktplaats

Geschreven door het bedrijf

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.


Contactgegevens

4,5

Uitstekend

TrustScore 4.5 uit 5

1K reviews

5 sterren
4 sterren
3 sterren
2 sterren
1 ster

Heeft 89% van zijn negatieve reviews beantwoord

Reageert doorgaans binnen 1 week

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Beoordeeld met 5 van de 5 sterren

I had an amazing experience with Adam…

I had an amazing experience with Adam from Torro. He went above and beyond to help me to secure business financing within 24 hours and ensured a smooth and positive experience. Adam is excellent, he explained the process perfectly and gave me a thorough understanding. I could not have asked for more! 10/10 experience.

31 maart 2026
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

Rick made this an easy process and…

Rick made this an easy process and helped every step of the way!

26 maart 2026
Review zonder uitnodiging
Logo Torro Funding

Antwoord van Torro Funding

Thanks for sharing, Mike. Rick is the man! Happy he was able to help dial in a funding solution that worked for your business. Cheers!

Beoordeeld met 5 van de 5 sterren

The best of the best out there!

I had a wonderful experience with Torro. They got me the start up funds for my new company when most institutions closed their doors on my face. The team is great!...all of them, but special thanks to Marcus who went far and beyond my expectations. Thank you guys!

19 maart 2026
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

I am writing to share my gratitude for Derek Phillips and Josh Stapley at Torro LLC

I am writing to share my gratitude for the incredible work Derek Phillips and Josh Stapley have done at Torro, LLC. Thanks to their help in improving my credit score, the loan process was quick, easy and streamlined.

I truly appreciate how clear they were regarding the necessary steps and for keeping me updated throughout the entire process. They went above and beyond my initial goal of $25,000 by securing an approval for $44,000, with three additional applications still pending.

I highly recommend their services to any entrepreneur in need of financial assistance. Thank you again Derek and Josh for your hard work and dedication.

18 maart 2026
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

Thourogh Torro!

Before I actually decided on Torro, I had already spoke with over 6 other companies. I like the conversation with Zack who had all my concerns answered. TORRO was quick and thorough. Once they submitted my paperwork, I got approved for just under $80,000 and it only took less than one week. They under promised and over performed as they said that with my profile, 40k to 50k can get approved.

12 maart 2026
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

Joshua was great

Joshua was great, he got us funded the next day! There was a small kink and he worked around it and was able to get us the funding we needed!

10 maart 2026
Review zonder uitnodiging
Beoordeeld met 1 van de 5 sterren

This company is a lie

This company is a lie. They do not offer start up funding and just want you to pull a credit report and send to them. This is a scam and you will not receive funding.they toss you around and send you to person and no get you funding.

9 maart 2026
Review zonder uitnodiging
Logo Torro Funding

Antwoord van Torro Funding

We take accusations like this very seriously, and we want to be clear — Torro is not a scam, and we do not mislead applicants.

We do, in fact, work with startup clients every day. However, it’s important to understand that traditional startup funding (especially for pre-revenue businesses) is extremely limited across the entire lending industry — not just at Torro. This is why alternative funding structures, including credit-based programs, are often used for newer businesses.

The credit report you’re referencing is not a “trap” — it is a required step to determine eligibility across multiple funding options. We specifically request a 3-bureau report so our team can accurately assess approval potential without running unnecessary hard inquiries that could negatively impact your profile.

As for being “passed around,” our process involves specialists (intake, underwriting, and funding coordination) to ensure clients are matched with the best possible option. That said, we agree that communication should always feel seamless, and we’re continuously improving that experience.

We understand that not every applicant will qualify — especially in the startup space — but that does not make the process fraudulent. It reflects the reality of lending requirements.

If you’re open to it, we’re happy to review your situation again and provide a clear, transparent breakdown of what options may be available.

— Torro Funding Support
Solutions Driven. Results Proven.

Beoordeeld met 5 van de 5 sterren

Charlie P was great help!

Charlie P. was professional, patient and efficient. He explained the process, followed through to get answers, and funded my deal! Thank you very much!

5 maart 2026
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

Great experience.

We worked with Adam. He was extremely responsive and things moved smoothly and quickly! We are very grateful!

3 maart 2026
Review zonder uitnodiging
Beoordeeld met 1 van de 5 sterren

I recently applied for startup funding…

I recently applied for startup funding for my business and initially worked with Gustavo Flores (Startup Funding Manager) and Manny Trevino (Funding Coordinator). Unfortunately, my experience has been extremely frustrating and unproductive.

After submitting all requested documentation, including a financial backer with a 760+ credit score, I was repeatedly told that the application was declined due to a “lack of active history with major banks.” Despite the strong credit profile, I was informed that I would need to find a different person to back the application.

What’s most concerning is the lack of transparency. I sent multiple emails requesting clarification on underwriting benchmarks, including:

• Minimum credit score requirements
• Required number of major bank trade lines
• Length of time accounts must be open
• Revenue or time-in-business thresholds
• Whether requesting a smaller funding amount would impact the decision

I also expressed that I was open to adjusting the funding amount, modifying terms, providing additional documentation, or exploring alternative programs. Unfortunately, I never received clear answers to these questions.

Additionally, when I called to try to get clarification, I was hung up on multiple times while asking reasonable questions about the process. That level of customer service is unacceptable, especially when someone is trying to start a business and is seeking professional guidance.

If there are specific underwriting criteria, they should be clearly communicated upfront instead of giving applicants the runaround. Transparency and professionalism go a long way, and unfortunately, that was not my experience here.

I would not recommend this company based on the lack of communication, clarity, and professionalism I encountered.

2 maart 2026
Review zonder uitnodiging
Logo Torro Funding

Antwoord van Torro Funding

Thank you for taking the time to share your experience. We take feedback like this seriously and want to address your concerns directly.

First, we sincerely apologize for any frustration you experienced during the process. Being hung up on is not aligned with our standards of professionalism, and we are actively reviewing this internally.

To provide some clarity, startup funding—especially for pre-revenue businesses—is one of the most challenging segments in lending. While a strong credit score (such as 760+) is certainly a positive factor, approvals are not based on credit score alone. Lenders also evaluate depth of credit history, active trade lines with major banks, utilization, and overall banking relationships. In some cases, even highly qualified applicants may not meet the full underwriting profile required by lending partners.

That said, your request for transparency is completely fair. We strive to educate every client on their options, and we acknowledge that we could have done a better job clearly outlining:
• What lenders are specifically looking for beyond credit score
• Why certain profiles may not qualify despite strong credit
• What actionable steps can improve approval odds

Regarding your willingness to adjust the funding amount or explore alternatives — that is exactly the right approach, and it’s something we typically guide clients through. In many startup scenarios, we offer alternative solutions such as structured credit programs that can still provide access to capital while building a stronger financial profile.

At Torro, our goal is not just to process applications, but to position clients for successful approvals. When we determine that an application is unlikely to be approved, it is often to avoid unnecessary credit inquiries or negative outcomes with lenders.

We would welcome the opportunity to reconnect, review your file in detail, and walk you through viable paths forward with full transparency.

If you’re open to it, please reach out to our support team directly so we can make this right.

— Torro Funding Support
Solutions Driven. Results Proven.

Beoordeeld met 5 van de 5 sterren

Exceptional Service

I'm writing this review because I was extremely happy with the way Joshua Morales handled my business loan process. He was very informative on what services that Torro offer every step of the way and made sure that my company got the right and best funding to fit our needs at this time. I can't thank you enough Joshua for your customer service and your willingness to help my company succeed. Awesome job and I will highly recommend your company's services to anyone needing funding. Torro is the way to go!!!!

2 maart 2026
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

I would give 10 stars if I could!

Josh Stapley and Jarrad Carolan were awesome to work with. They explained everything clearly and worked with me to get me the funding I needed to grow my business. The process was smooth and went quickly, which was awesome. I would highly recommend!! I would give 10 stars if I could!

20 februari 2026
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

I felt very comfortable

I felt very comfortable; they were quick and efficient. Despite my language barrier, I always had their help, and Adam Barela was always there supporting me. I recommend them 100%.

27 februari 2026
Review zonder uitnodiging

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