Torro Review – Best 2018 Small Business Lender?

Torro, located at, is an alternative financial service provider that focuses on solving cash flow and working capital needs for small businesses and entrepreneurs.

Application approval takes as little as 5 minutes to complete where applicants are able to request syndicated lines of credit up to $125,000 or working capital funding up to $750,000.

Widely renowned as one of the most dependable small business lending platforms, we will be putting Torro through their paces throughout the duration of our unbiased review.

Gather the facts relating to Torro and learn how you can secure small business financing within a matter of minutes by one of the best rated small business lending platforms.

Torro Review

Torro is a direct lender that provides funding options for small business applicants.

Offering one of the highest approval percentages, Torro had been relied heavily upon by small business owners and entrepreneurs for the better half of a decade.

Applicants reflecting personal FICO scores as low as 400 have been approved for business funding while working capital requests can range between $3,000 to $750,000.

Startup capital approvals range from $25,000 to $125,000 and are determined off the business owner, partners and investors personal credit.

In terms of speed, Torro is one of the quickest in the loan servicing industry offering same day funding where funds usually take no more than a few hours to be received.

Torro, LLC

GoTorro is owned and operated by Torro, LLC.

Functioning as a Limited Liability Company, Torro was incorporated out of Utah on June 7th, 2012. Reflecting 6 years of business, Torro has served as a reliable small business lending platform and became a Better Business Bureau accredited business on October 23rd, 2015.

Location of Torro, LLC

975 E Woodoak Ln Ste 10 Floor 1, Salt Lake City, UT 84117-7275


450 Hillside Dr. Bldg A 253, Mesquite, Nevada 89027

Business Management

Adriel Hanson – Chief Operating Officer

Contacting Torro, LLC

  • Live Chat
  • Telephone – (866) 858-2404
  • Email – &

APR, Terms & Fees

Typically when we encounter online lending networks we are bombarded with APRs that are through the roof. Oftentimes these APRs tend to range between 24.99% to 1,299%, which make the lending network more of an oversized payday loan operation than anything.

Fortunately for small business applicants and entrepreneurs, Torro APR’s will not exceed 36.00%.

In addition, Torro does not enforce front-loaded fees or require repayment of their equity loans within a calendar year, which is common amongst competitive online lenders.

All loans are made under Torro Funding LLC of Utah or it’s affiliate lenders.

How does Torro Work?

Contrary to many lending networks, Torro doesn’t rely upon some witless algorithm to determine an applicants eligibility to receive loans.

Instead each application is handled by Torro’s team of agents whom quickly review your information and issue approvals within as little as 5 minutes.

The application process itself is composed of a short questionnaire that only takes a few minutes to complete.

Eligibility Requirements

  • Business must be in good standing
  • Must have a valid and verifiable U.S. bank account
  • 3 to 36 months personal banking statement may be required
  • Must not reflect more than 6 credit inquiries within past 90 days
  • May need to provide proof of properly files tax returns for past 2 to 5 years
  • May need to submit your previous 4 pay check stubs with current year to date

Operational Transparency

Compared to other competing lending networks Torro is one of the most transparent.

Being upfront regarding their loan rates and fees while readily rendering their corporate entity, Torro has respectively earned their reputation for being one of the most credible lending networks for small businesses.

Furthermore, Torro goes on to share testimonials regarding past applicants while also disclosing their corporate entity.

Each testimonial is verifiable while to date over 3,000 business have trusted Torro with more than $500 million paid out to date.

Community Feedback

There is a reason why Torro is among the top rated lending networks available online.

Compared to other lending platforms that tend to reflect an excessive volume of complaints, the majority of the feedback we found relating to Torro was positive.

Apart from reflecting a Better Business Rating of A+, Torro reflects nearly a perfect 5 star rating out of over a hundred reviews shared at TrustPilot. Below is some of the most recent feedback we found relating to Torro:

“I have never felt so welcomed and the follow up is excellent.”

“Extremely satisfied with my experience with Torro, Chris was very helpful and process was much easier than other lenders online.”

“I am a new customer with Torro funding. Long story short is I have not so good credit. I spoke with Eric Christensen and he was straight forward very polite and willing to help me. I was skeptical at first because everyone told me yes yes yes and when it came down to getting the loan I heard the same thing I’m sorry we need to wait. I called Eric and I was funded in 1 day. If you are in need of fast cash please call Torro and ask for Eric. Thanks Torro”

Torro Review Conclusion

Torro is one of the best small business lenders that provides an amply supply of operational transparency while functioning with professional integrity.

Operating as one of the best small business lending networks, Torro offers some of the lowest APRs when compared to other online lending platforms and offers superior customer service.

If you are having a difficult time acquiring a small business loan, then we urge you to check out Torro for your business needs.

We invite you to share any experiences, insight or feedback you may have in a comment below!


  1. Jody Petty

    This review is either outdated or complete crap. Torro just told me the best loan they can get me is $2600 with a payback of $86 per day for two and a half months. That would caclulate to WAY over 36% Torro is nothing but a Scumbag Payday loan company for small business. They are not a direct lender either. When you submit your application, they send it out to many others who will also pull your credit. An application with Torro could result in 10 or more pulls of your credit report. STAY AWAY FROM TORRO.

  2. Chris

    This is a lie….Torro most certainly will go over 36% APR

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