Dani Shumway is the best! Dani Shumway has been the firm's contact for the past year and she has been always quick to respond, gives thoughtful advice, and is helpful when we need some financial scaff... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Derek made things very simple. He spent time on a couple of extra phone calls so I could make sure I understood the consequences of various decisions, potential returns, etc., for things beyond the... See more
Company replied
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... See more
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Richard was great to work with—quick, responsive, and really knowledgeable. He did a great job walking me through my options and making sure I understood everything. He offered solid solutions and hel... See more
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Company details
- Non-bank financial service
- also in
- Alternative Financial Services
- Finance broker
- Financial Institution
- 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
4.6
Excellent
1k reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 76% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Phenomenal Results!!!
Josh and Devon and the entire team at Torro were awesome with handling our transaction!!! We were able to secure the funding needed to move forward with our real estate ventures. They were courteous, knowledgeable and quick. We appreciate all your efforts.
L DeVoe
6 July 2025
Unprompted review
Reply from Torro Funding
Thanks for stopping by and sharing your experience with Josh and Devon! We were pleased to assist you in securing the funding you needed to grow your business. Torro has your back! If you need any capital in the future, we are just one phone call away.
Customer
Devon Ogden at Torro was great to work with and made this process very easy. I would highly recommend
6 July 2025
Unprompted review
Reply from Torro Funding
Hey Gabe! Thanks for letting us know what a great job Devon is doing. We at Torro funding think outside of the box to ensure our clients secure not just capital, but capital that works for them. Let us know if you need anything in the future.
Fast and Excellent service
Fast and Excellent service. Charlie was great to deal with.
11 July 2025
Unprompted review
Reply from Torro Funding
Hey Zack. Fast and excellent was Charlie's nickname in college. We are glad it worked out for you. Keep Torro and, more importantly, Charlie's number in your phone, should you ever need additional capital. Torro has your back
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!
7 July 2025
Unprompted review
Reply from Torro Funding
Hey Cesar! Thanks for stopping by and sharing your experience. Torro Funding is always in your corner whenever you need capital for your business. Keep in touch with Charlie if you need anything in the future. He is the Chief Fundologist for a reason!
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!
3 July 2025
Unprompted review
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.
30 June 2025
Unprompted review
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.
2 June 2025
Unprompted review
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!
11 June 2025
Unprompted review
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.
4 June 2025
Unprompted review
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!
They were prompt and very clear
14 March 2025
Unprompted review
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.
23 June 2025
Unprompted review
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 !
23 June 2025
Unprompted review
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
16 June 2025
Unprompted review
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.
18 June 2025
Unprompted review
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
18 June 2025
Unprompted review
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.
15 June 2025
Unprompted review
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!
16 June 2025
Unprompted review
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.
16 June 2025
Unprompted review
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.
10 June 2025
Unprompted review
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!
6 June 2025
Unprompted review
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!
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