Torro Funding Reviews 1,036

TrustScore 4.5 out of 5

4.5

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for their professionalism, helpfulness, and extensive knowledge, making the funding process smooth and understandable. Many people highlight the exceptional customer service, noting the team's dedication, clear communication, and ability to secure favorable terms and quick funding. The overall user experience is consistently described as efficient, stress-free, and highly satisfactory. However, some customers were dissatisfied with aspects of the payment process, mentioning unexpected service fees and issues with obtaining credit cards that could be acquired for free elsewhere. A few other people also felt that communication was aggressive or unclear, leading to frustration and a perception of unprofessionalism.

What people talk about most

Staff

Consumers consistently report positive experiences with the staff, highlighting their helpfulness,... See more

Service

Reviewers highlight positive aspects of service, with many praising the professionalism, efficiency, and... See more

Customer service

Customers generally report positive experiences with customer service, highlighting helpful and communicative... See more

User experience

People report positive experiences with user experience. Many customers describe the process as super simple,... See more

Payment

Users describe negative interactions with payment. Many reviewers report issues such as being repeatedly... See more

Based on these reviews

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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... See more

Company replied

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Company replied


Company details

  1. #181 of 250 best companies in Non-Bank Financial Service
  2. #122 of 183 best companies in Alternative Financial Service
  3. #29 of 42 best companies in Finance Broker
  4. #67 of 103 best companies in Financial Institution
  5. #52 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

4.5

Excellent

TrustScore 4.5 out of 5

1K reviews

5-star
4-star
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1-star

Replied to 89% of negative reviews

Typically replies within 1 week

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Rated 5 out of 5 stars

Dream to Reality, Thank you Torro!

Working with Derek Phillips, has been such a delight! He is incredibly knowledgeable and has taken the time to thoughtfully answer all of my questions regarding the funding process for my small business. His integrity, attention to detail and straightforward approach has given me the confidence to move forward with the process in order to turn my dream into reality! I highly recommend working with him, Derek will always guide you in the right direction!

February 26, 2026
Unprompted review
Rated 5 out of 5 stars

Marcus was really great!.

I used Torro to fund my start up and they really delivered. I hadn’t heard of the process before but Marcus walked me through it and I was able to get everything I need in a few days. It does take a little longer than traditional loans I have gotten before, but the communication was good am it all went perfectly .
Marcus was great. I highly recommend

February 16, 2026
Unprompted review
Rated 5 out of 5 stars

Charlie is always great i have worked…

Charlie is always great i have worked with him at least times and things have always run smoothly and prompt and i received my funding by the end of the work day. They never make mistakes on the repayment and i will continue to work with charlie and the torro team.

February 8, 2026
Unprompted review
Rated 5 out of 5 stars

Highest Recommendation

I can’t say enough great things about Derek Phillips and Josh Stapley @ Torro Funding, and the incredible service they provided! From the very beginning, Derek truly listened to understand my goals and what I was hoping to achieve. I never felt rushed or overlooked — he took the time to make sure he understood exactly what I needed.

From there, Josh took over. What really stood out was how he also took time to understand my goals and prepared me step by step, clearly explaining the entire process so I always felt informed and confident. Their team walked me through every stage with genuine expertise and professionalism, making what could have been overwhelming feel smooth and manageable.

If you’re looking for a team that listens, cares, and delivers exceptional service, I highly recommend them. You’ll be in great hands!

February 10, 2026
Unprompted review
Rated 5 out of 5 stars

I had a really positive experience…

I had a really positive experience working with Toro Hope. Derek Phillips was professional, responsive, and made the entire funding process feel straightforward and stress-free. He took the time to answer my questions and kept me updated every step of the way. I’d definitely recommend reaching out to Derek if you’re exploring funding options.

February 20, 2026
Unprompted review
Rated 5 out of 5 stars

Thank you Torro Funding

Thank you Torro Funding. Shout-out to Derek Phillips for helping my business with the expansion of credit lines. Giving my business breathing room to invest in new opportunities and scale. Derek is a highly reliable asset. Fast and professional.

February 16, 2026
Unprompted review
Rated 4 out of 5 stars

Rick Went the extra mile

I have decided to update my review. I originally rated this business very low because of not receiving any communication from them however, Rick reached out to me and went over lots of great information and showed where the ball was dropped as my current email address had not been updated. Rick provided great information of how I can move forward with Funding and I am grateful for the time he took to check to see why I had originally scored them low that shows care for their business and for the customer. Once I straighten out a few things, I will definitely reach back out to Torro to get funded.

February 7, 2026
Unprompted review
Rated 5 out of 5 stars

Fast and Efficient

Working with Joshua at Torro Funding was honestly a great experience. He moved super fast and got us funded within 24 hours. Everything felt smooth, easy, and really tailored to what we actually needed. Definitely recommend him if you want someone efficient and easy to work with.

February 13, 2026
Unprompted review
Rated 1 out of 5 stars

if I give them a zero I would

if I give them a zero I would You do not talk to people like they're dumb or an animal and I was just talk to like I had no sense of running a business I have been doing this for 20 years and I'm starting all over again what I did not appreciate was this a****** name Rick who wanted to talk down to me Don't talk down to me it's unnecessary first you lied then you sat up got my hopes build up only to sit up and try to talk down to me All you had to do was say you could not help me Even if I were approved I would not take up with this company I am basically letting every black female entrepreneur Go somewhere else

February 5, 2026
Unprompted review
Rated 5 out of 5 stars

Great company to do business with

Adam was great to deal with very responsive and informative. I would definitely have a pleasure dealing with him again and recommend new customers to have dealings with him because he does great on painting the whole picture for a customer to understand everything.

January 30, 2026
Unprompted review
Torro Funding logo

Reply from Torro Funding

Thank you for the great review! We strive to ensure our clients have full transparency at all times, and Adam is a great example of that. He will be here in the future for any further funding needs!

Rated 5 out of 5 stars

Torro Funding helped me secure funding…

Torro Funding helped me secure funding for my business. Derek Phillips helped me navigate the application process smoothly.
He established rapport with me and trust in the application process. He asked questions about my business which elevated my sense of accomplishment.
Dillon Carolan help me with lots of details and with the final stages of the funding.
I was impressed with their professionalism, availability and quick response times to my questions. Thank you for your services.

January 29, 2026
Unprompted review
Torro Funding logo

Reply from Torro Funding

Thank you for the 5 stars Edik! Derek and Dillon are an excellent team and will be thrilled to help with any future funding needs!

Rated 1 out of 5 stars

Bad first impressions.

The website seemed like a great experience with everything they needed upfront. In the end, they tried to sell me a website because they said I didn't have an online presence.

I made a phone call to the company and the phone rang and rang. It would break in every once in a while, saying the line was being recorded. And then finally someone answered. They spoke English, but I couldn't understand what the hell they were talking about. I would say something and then there would be a long pause. They would answer, but not in a normal conversation that I expected. I ended up hanging up on them due to lack of good communication.

January 28, 2026
Unprompted review
Torro Funding logo

Reply from Torro Funding

Hi Tom,
We’re sorry to hear about your experience and appreciate you taking the time to share your feedback.
Our intention is never to pressure anyone into purchasing services they don’t need. When we mention online presence, it’s meant to be informational and based on what we can publicly verify. We are concerned about your phone experience; long wait times, interruptions, or unclear communication are not the standard we aim for.
If you're open to it, we'd be happy to take the opportunity to make things right, call our support team at 866-858-2404.

Rated 5 out of 5 stars

Richard was great to work with—quick

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 helped me land on something that truly works for my situation. Highly recommend!

January 26, 2026
Unprompted review
Torro Funding logo

Reply from Torro Funding

Thank you for the kind review and for sharing your experience. Richard and Torro are always just a phone call away should your business ever need any additional funding.

Rated 1 out of 5 stars

Don’t deal with this company for many…

Don’t deal with this company for many bad reasons. Do not and I repeat do not give them your person information they won’t even contact you back after you give them all your information you have to track them down…

January 21, 2026
Unprompted review
Torro Funding logo

Reply from Torro Funding

Hey Kim,

We hear you loud and clear, and it appears we dropped the ball. I can assure you, this is not a normal occurrence. At the end of the day, our agents our humans and sometimes, 1 out of a 1,000, we make mistakes and a file slips through the cracks.

We appreciate you pointing this out so we can continue our agent growth and progression with feedback provided by our clients. Our thousands of 5 star reviews should be a good indicator that this is not common practice.

If you need any further assistance, call us! 866-858-2404

Torro Support Team

Rated 5 out of 5 stars

Charlie was very professional and…

Charlie was very professional and helpful. He was there with me every step of the way.

January 22, 2026
Unprompted review
Torro Funding logo

Reply from Torro Funding

Thanks for letting us know what a great job Charlie is doing, Claudio! Torro has your back when it comes to any and all of your business funding needs! Save Charlie's number in case you need capital in the future.

Rated 5 out of 5 stars

Thank you to this company I got a…

Thank you to this company I got a little bit fund that I need. Joshua your the best thanks for the help!

January 15, 2026
Unprompted review
Torro Funding logo

Reply from Torro Funding

Hi Anne. Thanks for stopping by and letting us know what a great job josh is doing. Torro will always be here for any capital needs!

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