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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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.
5965 S 900 E, 84121, Murray, United States
Replied to 89% of negative reviews
Typically replies within 1 week
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Filled out half the application, stopped when they said they were going to pull credit, didn't specify if it would be a hard or soft pull. I contacted the chat support, no reply. Called them, no one was there, so I assumed they were out of business, so I closed the tab and left.

Reply from Torro Funding
Adam was great to work with! Made the process simple and quick.

Reply from Torro Funding
I Appreciate The Honesty And The Caring because he Makes sure your took care of Like a Family Member you can depend on Thanks Richard for everything

Reply from Torro Funding
Charlie Purlver did an amazing job for our business. We truly value He's emphaty and professionalism.

Reply from Torro Funding
Working with Devon Ogden and team was a great experience. Excellent communication and attentiveness. Funding process was smooth and efficient because of the team guiding us the whole way. Definitely recommend.

Reply from Torro Funding
Devon Ogden and Josh Stapley were amazing to work with. I got the funding for my business in about 24 hours from the first time I got connected with Josh and less than a week from the first time I talked with Devon. I learned a lot about business debt from both of them and they walked me through the process and explained how business debt works versus personal debt. I am indebted to them (pun intended)

Reply from Torro Funding
Thank you adam for all the help and professionalism, helping me get my loan and help my company grow Don Jabon LLC

Reply from Torro Funding
Charlie Pulver has helped me and my company tremendously. He was always so quick and helpful to make sure I got what i needed and the best options. I highly recommend Torro Funding.

Reply from Torro Funding
I would like to recognize Derek Phillips and the entire team at Torro Funding for the excellent job they recently did securing Business Funding for one of my clients.
Speed to Funding was critical for my client to be able to complete certain tasks as he launched his company at the start of 2026 and Derek and the entire team worked diligently and quickly to make it happen.

Reply from Torro Funding
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 and other members who were involved would like to say thank you so much for all your efforts, well done.!

Reply from Torro Funding
So far so good. Just waiting to see if I’m approved with my bad credit.
BE CAUTIOUS!!!
They are extremely aggressive, and intimidating in the way they communicate. Instead of acting professionally, they harass people for money, pressure you constantly, and try to shame customers into paying by leaving negative reviews and talking badly on social media. That alone says everything about how they operate.
Their behavior is completely unprofessional and unethical. Rather than working with you or communicating respectfully, they resort to bullying and spreading negativity on social media if you don’t immediately comply with their demands. Especially Taylor, she is extremely awful—very unprofessional, dismissive, and clearly unprepared to handle her role properly. The lack of basic professionalism and respect was shocking.
I strongly recommend being extremely cautious. Honestly, don’t even consider doing business with this company unless you’re ready to deal with harassment and hostility instead of professionalism.

Reply from Torro Funding
Working with Josh Stapley, Zach Ward and Jarrad Carolan from Torro were an exceptional experience from start to finish. They helped me secure the highest loan amount possible, moved incredibly fast, and were professional every step of the way.
What truly sets Josh, Zach and Jarrad apart is their transparency and communication. They took the time to clearly explain every option, detail, and next step, making the entire process easy to understand and stress-free. I always felt informed, supported, and confident in the decisions being made.
They were responsive, honest, and genuinely helpful—no surprises, no pressure, just clear guidance and real results. If you’re looking for a team that delivers, works efficiently, and truly has your best interest in mind, I highly recommend Josh Stapley, Zach Ward and Jarrad Carolan at Torro.
Josh Stapley and Zach Hale were awesome and super helpful. They made a stressful situation painless.

Reply from Torro Funding
It’s always a pleasure dealing with Adam he takes care of me every time

Reply from Torro Funding
I received three emails from different sales people and I responded to all three, and no response after that.
Update: I did receive an email from a Torro rep. Working on possible funding.

Reply from Torro Funding
I have been dealing with Torro Funding for quite some time now. They have always looked out for my financial interest and have gotten me the best possible deal. Joshua Morales has been my guy from the beginning, guiding me through each & every step. With his help & guidance I was able to secure an amazing deal to close out 2025. Josh is the best!!!

Reply from Torro Funding
Adam from Torro is an outstanding help! He is very clear and very helpful with his services! Please know if it wasn’t for Adam I wouldn’t be in business with you guys! Thank you Adam for all your help and continue to be who are you which is truly amazing!

Reply from Torro Funding
Adam was great to work with. He very responsive to messages and emails, answered all questions quickly and efficiently and did not waste any time getting our company the funding that we needed. We will work with Adam in the future. Thanks

Reply from Torro Funding
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