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
Derek Phillips and Gauge Lawrence provided great service throughout the business funding process. Refer with confidence that they can help your clients gain access to capital to grow their business.
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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Company details
- Non-Bank Financial Service
- also in
- Alternative Financial Service
- 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
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Derek Phillips is great
Derek Phillips is great! He made the process super easy! Very helpful all the way through in a timely manner.
10 November 2025
Unprompted review
Reply from Torro Funding
Hi Leah! Thanks for stopping by and sharing your experience. Happy to hear Derek made the process smooth and quick for you. Keep Torro on speed dial if you ever have any other capital needs pop up.
Excellent Service from Derek Phillip
Excellent Service from Derek Phillip
I've worked on a number of deals with Derek and always felt I had a trusted and knowledgeable partner. He is great at explaining the different options and knows how to alleviate any concern.
17 November 2025
Unprompted review
Reply from Torro Funding
Thanks for the review, Nishant. Happy to hear that the partnership you have built with Derek and Torro is progressing positively. We are always a phone call away if you ever need us. We are looking forward to continuing and growing our partnership together!
Adam Barela is the best hands down
Adam went in great detail on how business credit works which is different from personal credit which gave me a better understanding on how to improve my business, he did a great job on getting me the working capital I needed. I highly recommend Adam Barela
17 November 2025
Unprompted review
Reply from Torro Funding
Hi Bill! We appreciate you sharing your experience and what a great job Adam is doing. Save his number and keep it close. Adam and Torro are always here should you need capital in the future!
Great experience and very professional
Great experience and very professional! Derek Phillips was easy to work with, and punctual with all communication. I'd highly recommend working with them!
28 October 2025
Unprompted review
Reply from Torro Funding
Hey Melissa! Thanks so much for sharing your experience with Derek, and with Torro. We strive to make the funding process as easy as possible. Torro will always be here for any of your business funding needs!
dont do business with them
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 your business and personal assets. Just stay away, even if you do manage to pay the daily withdrawls your are paying extreme interest. it is simply another predatory lender.
10 November 2025
Unprompted review
Reply from Torro Funding
Hi Ryan,
We’re truly sorry to hear about your frustration, and we want to express genuine empathy for what you’re going through. Financial challenges can be incredibly difficult — especially when personal circumstances like bankruptcy come into play.
To clarify for readers, Torro Funding does offer a range of business financing options, including working capital and MCA (merchant cash advance) programs, which are designed to help businesses access quick liquidity when traditional options may not be available. These programs are always fully disclosed and structured with transparency and consent before any funding takes place.
It sounds like your recent financial hardship may have impacted your repayment schedule, and we completely understand how stressful that can be. Please know that our team is here to work with you through any rough patches — we want to help find a resolution that supports both your recovery and your business stability.
If you’re open to it, please reach out to us directly at billing@torro.com
or (855) 586-1164 so we can discuss your situation privately and see how we can assist.
We truly wish you the best and appreciate the opportunity to make things right.
— The Torro Funding Team
Got a loan with them
Got a loan with them. Mca. They put a lien on my account after I was a few days late. So business dies. Filed Chapter 7 and now after they are harassing myself and my family. Even threatend harm and froze my bank account 2 years after discharge. Do not use them for mca they will just freeze your account and try to steal your money. No I am currently suing them for trying to collect on a discharged debt.
7 November 2025
Unprompted review
Reply from Torro Funding
We’re truly sorry to hear about your frustration, and we want to express genuine empathy for what you’re going through. Financial challenges can be incredibly difficult — especially when personal circumstances like bankruptcy come into play.
To clarify for readers, Torro Funding does offer a range of business financing options, including working capital and MCA (merchant cash advance) programs, which are designed to help businesses access quick liquidity when traditional options may not be available. These programs are always fully disclosed and structured with transparency and consent before any funding takes place.
It sounds like your recent financial hardship may have impacted your repayment schedule, and we completely understand how stressful that can be. Please know that our team is here to work with you through any rough patches — we want to help find a resolution that supports both your recovery and your business stability.
If you’re open to it, please reach out to us directly at billing@torro.com
or (855) 586-1164 so we can discuss your situation privately and see how we can assist.
We truly wish you the best and appreciate the opportunity to make things right.
— The Torro Funding Team
I was in urgent need of cash for my…
I was in urgent need of cash for my restaurant due to the economic challenges we're facing. Thankfully,Adam's and Gauge stepped in and assisted me on the same day. I received the funds within minutes, and the terms for the short-term line of credit were fantastic. Highly recommend!
3 November 2025
Unprompted review
Reply from Torro Funding
Hey Henry! Thank you so much for sharing your experience with us! We are happy to hear that Gauge and Adam were able to lock down the funding you needed! Torro Funding is always here to help you secure the working capital you need quickly, no matter what life throws at your business!
Very well
Well, the gentleman Zach ward was very helpful. Went above and beyond made me feel confident in moving forward, excited about what's to come, stayed on top of things with me. Communication was key, and he just went above and beyond. In every way. So I just wanna say thank you , you guys have a great employee on your side
16 October 2025
Unprompted review
Reply from Torro Funding
Such a great note, Michael. We are happy to hear you experience with Torro Funding and especially Zach met the care and consideration you deserve! We are always here for you as your business grows and scales. Cheers to your success!
Charlie was great ive worked with…
Charlie was great ive worked with charlie at least 3 times in the past and each time the process was quick and easy
27 October 2025
Unprompted review
Reply from Torro Funding
Thank you for sharing your experience with Torro Funding, and more importantly, Charlie! Relationships are important and we hope that Charlie can continue to be a tool for your business when in times of funding needs!
I commend Ogden Devon
I would like to commend Ogden Devon for his superb job handling all the details of the funding process. Everything went smoothly as he said it would and 8 out of 8 is not bad.
I whole heartedly recommend him.
14 October 2025
Unprompted review
Reply from Torro Funding
Thanks for stopping by, Bob! We are glad to hear that Devon helped your business secure the funding you needed. Torro is always here for all your funding needs!
I wouldn't even give these guys a 1…
I wouldn't even give these guys a 1 they suck horrible the person took my info and told me I had an offer and set a time for me to talk to the underwriter nothing but a lie and bs tried to sell me business credit build up and s bunch of other crap when they advertise they said they go as low as 400 I had 561 which I know is not good but don't advertise false hope
8 October 2025
Unprompted review
Reply from Torro Funding
We’re sorry to hear you felt misled — that’s never our intention. After reviewing your file, it looks like you’re a startup with no business revenue yet. Our programs that go as low as a 450 credit score apply only to established businesses generating at least $240,000 annually. For startups without existing revenue, personal credit strength becomes the key factor in approval.
Because of that, our team introduced our business credit-building program, which helps entrepreneurs strengthen their business credit profiles to become fundable in the near future. We understand that may not be the solution you were looking for today, but it’s often the fastest way for new business owners to reach their funding goals.
Our goal is always to educate, guide, and support business owners — whether that means immediate funding or a plan to qualify down the road. If you’d like, we’re happy to revisit your options once your credit or business revenue improves.
— Torro Funding | Solutions Driven. Results Proven.
Working with Devon was so easy
Working with Devon was so easy, he walked me through the process and answered all my questions.
25 September 2025
Unprompted review
Reply from Torro Funding
Thanks for the review, Marty. Devon and Torro will always be there for your business for any financial needs, large or small. Happy our program worked for you!
— Torro Funding | Solutions Driven. Results Proven.
Great for a quick solution
Joshua Morales & the Torro team deeply understood my funding needs & helped me accomplish it in just a few days. their honesty & dedication during the entire process made it a pleasure dealing with them. would recommend to anyone looking for some funds quickly.
6 October 2025
Unprompted review
Reply from Torro Funding
Happy to help! Torro is driven to helping your business grow and thrive through any funding needs that may come up. Josh is a rockstar. Save his number incase anything comes up! Thanks for stopping by.
— Torro Funding | Solutions Driven. Results Proven.
The guys at Torro really worked hard to…
The guys at Torro really worked hard to help me out Zach Ward was awesome though out the entire process and will be using them again in the future. It’s nice when you feel like people are working to help you and and your new business grow. Thank you Zach
3 October 2025
Unprompted review
Reply from Torro Funding
Love this, Dustin. Happy that Zach was able to work with you to help you secure your funding goals. Torro will always be a tool in your tool box to help your business through any capital needs that arise!
— Torro Funding | Solutions Driven. Results Proven.
Devon made the experience so easy
Devon made the experience so easy. Highly recommend!
24 September 2025
Unprompted review
Reply from Torro Funding
Thanks for the review, Kelli. Happy to hear that Devon was able to help secure the capital you need! Torro is always here to answer your calls and secure funding for clients no matter if they are up and running, or just starting out!
Charlie gets it done. 5 stars
Charlie was persistent and understanding. Went above and beyond to wrap this deal up quickly and efficiently. Thank you again sir. Highly recommend.
30 September 2025
Unprompted review
Reply from Torro Funding
Hey Nathaniel! Happy to hear Charlie got the job done for you! Keep his contact information saved in case you ever need business funding in the future. We look forward to servicing any future needs you have!
Adam from Torro always such a great…
Adam from Torro always such a great help when seeking funds for my small business. Thank you!
29 September 2025
Unprompted review
Reply from Torro Funding
Thanks for stopping by, Steve! Adam is one of a kind! Happy he is working hard for your business. We are here to support all of our clients no matter what the need for capital may be!
Had great experience with Charlie even…
Had great experience with Charlie even on my confusion
Thank you so much for helping me to get my business funded
25 September 2025
Unprompted review
Reply from Torro Funding
Thanks fr the review, Esayas! Charlie is one of the best in the business. At Torro, your business is always in good hands. We are just a phone call away should the need for additional funding ever arise!
My experience with Torro Funding was…
My experience with Torro Funding was great. In a manner of minutes, I received the funding I needed to finish establishing my travel business. The staff was extremely helpful and efficient in assisting me with getting the funds. I’m grateful for their assistance. Believe Torro was genuinely dedicated to helping me achieve my financial goals.
1 September 2025
Unprompted review
Reply from Torro Funding
Howdy Linda! We appreciate you stopping by and leaving a review! We try to make things easy and fast because we know how important quick capital is for our clients. Please keep our information close by incase anything comes up in the future. Torro is here to help!
Reply from Torro Funding
Hey Paul David! Appreciate you letting us know that Joshua is doing a bang up job. Torro is always in your corner for all your funding needs!
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