Torro
3.55/5.0
Leo Wagner
4/5.0
22, Aug 2025
Helped cover unexpected expenses
I had an unexpected expense at my boutique when our POS system crashed right before a big sales weekend. I needed funding quickly to replace it and keep business running smoothly. Torro stepped in when banks couldn't act fast enough. The application process was clear, and I received a follow-up call quickly. Their team walked me through what was needed and explained all terms without any jargon or sales pressure. I was approved the same day and had funds the next morning. While the interest was higher than other options, the speed and ease of access made it worthwhile. The daily payment system was manageable, and they made sure to review how that would look for my business. I got exactly what I was promised?fast funding, great communication, and no surprises. I wouldn?t use them for long-term funding, but for urgent needs like this, they?re a great choice. I?d use them again.
Layla Kim
5/5.0
14, Aug 2025
Great partner for small business
Torro really understands small business needs. I run a mobile detailing service and wanted to expand my fleet by buying another van. Traditional banks were slow and asked for too many documents. With Torro, I applied online and got a call shortly after. The rep answered all my questions and explained the daily repayment structure thoroughly. I appreciated how upfront they were. I was approved quickly, and the funds were in my account the next day. Their service is fast, the communication is excellent, and they kept me updated throughout the process. The repayment schedule fit well with my cash flow, and it didn?t disrupt operations. I also liked that their team followed up a few weeks in to see how things were going. It made me feel like they care about long-term relationships. For any small business looking for flexible, quick funding, I highly recommend Torro. They?re efficient and professional.
Logan Bhatt
5/5.0
05, Aug 2025
Helped me scale faster
I run an e-commerce business and had an opportunity to buy a large batch of discounted inventory?but I needed funds fast. Torro was the only company that could deliver on time. I filled out the online form, and someone called me within the hour. They explained the process clearly and didn?t oversell anything. I appreciated how they looked at my actual business revenue rather than just focusing on credit score. I was approved the same day and received the funds the next morning. The inventory investment paid off, and the daily repayments were easy to handle because I had increased sales. It all worked out really well. What I liked most was their transparency?no gimmicks or sudden costs. The support team was friendly and checked in without being intrusive. I?d definitely use Torro again if I need to act fast on a business opportunity. It was a solid, trustworthy experience.
Leslie Wilson
5/5.0
27, Jul 2025
Simple, fast, and reliable
My experience with Torro has been really positive. I needed funds to cover upfront materials for a big contract. Traditional financing options weren?t moving fast enough, and Torro stepped in at the right time. The application was quick, and the rep I spoke with was helpful and clear about every detail. I had the money the next day, which kept my project on schedule. The daily payment method took some adjustment, but they explained how it would impact cash flow, so I was prepared. Their communication during and after funding was consistent. I never felt abandoned or in the dark. It?s rare to find a lender who is both quick and genuinely helpful. Torro exceeded my expectations, and I?ll absolutely consider them again for future funding needs. They made the whole process feel less stressful than it usually is with lenders. Fast, transparent, and professional service from start to finish.
Lincoln Taylor
4/5.0
18, Jul 2025
A great alternative to banks
I?ve been through the traditional loan process, and it?s always slow and frustrating. Torro was a breath of fresh air. They moved quickly, were transparent about everything, and got me the funds within a day. I run a small caf? and needed money to upgrade our espresso machine. I applied on a Tuesday and had the funds by Wednesday morning. The daily repayments were manageable, though I had to adjust some of my budgeting practices. Still, it worked out just fine. The rep I worked with was patient and never made me feel pressured to take more than I needed. They stayed in contact and made sure I was doing okay during the repayment period. I appreciated that level of service. It?s not the cheapest money, but it?s fast and the process is smooth. I?d definitely use them again if I need capital in the future.
Natalie Singh
5/5.0
09, Jul 2025
Very happy with my experience
Torro helped me during a tough time when my restaurant?s plumbing failed and I needed quick repairs. The process was quick and simple. I applied online, and a rep called me almost immediately. The funding was approved fast and landed in my account the next morning. I used the money for emergency plumbing and also bought new kitchen supplies. Their daily payment system worked with my steady flow of income. The rates were higher than a bank loan, but worth it for the speed and convenience. I especially liked that they were honest and transparent about the costs. Customer service stayed in touch throughout, which gave me peace of mind. No hidden fees or tricks?just clear expectations and quick help when I needed it most. I?d definitely go back to them if needed. Great experience all around, and I?m grateful they were there when I needed fast funding.
Morgan Clark
5/5.0
30, Jun 2025
Made expanding my shop possible
I used Torro to help fund an expansion to my small retail shop. I needed to add some shelving, invest in new inventory, and hire one part-time employee. Torro?s process was quick and painless. After applying, I got a call within an hour. They walked me through everything and made sure I understood the repayment plan. I was approved that same day and received funding the next morning. I liked how they didn?t just focus on my credit score?they took my business performance into account too. The daily payment setup was easy to manage since we have consistent daily sales. There were no surprises, and everything was outlined from the start. I appreciated how professional and responsive their team was. They checked in to make sure the funding was helping and that everything was going smoothly. I?d recommend Torro to any business owner needing fast, clear, and helpful financial support.
Molly Dubois
4/5.0
21, Jun 2025
A smooth process from start to finish
I needed to restock inventory before peak season and didn?t have time to deal with banks. Torro?s process was refreshingly simple. I submitted an online application and was contacted quickly. The representative explained the funding structure in clear terms. They didn?t push me to accept more than I needed, which I appreciated. The approval process took less than a day, and the money was in my account shortly after. The daily payments were something I had to adjust to, but they didn?t disrupt my cash flow since my business has steady income. Torro was professional and efficient every step of the way. They answered all my questions and followed up a couple of times to check how things were going. I never felt like I was being sold to. I?d recommend them for small businesses that need fast capital and can handle daily payments. Just be sure to review all terms carefully.
Miles Davies
5/5.0
12, Jun 2025
Supportive and responsive
Torro really helped my business when we had to replace a key piece of equipment. Banks were too slow, and I couldn?t wait weeks for funding. I applied with Torro and got a call within an hour. They were clear about their terms, asked for some documents, and approved me quickly. The funds arrived the next day, which allowed me to stay open and avoid losing customers. The daily repayment structure was easy to follow and aligned with our cash flow. I also liked that the rep stayed in touch and answered my emails promptly. It didn?t feel like a one-time transaction?more like a partnership. The interest was higher than traditional loans, but I expected that with fast funding. What I valued most was the speed, communication, and lack of pressure. Torro delivered on all counts. If I ever find myself in a pinch again, they?ll be my first call.
Mila Adebayo
5/5.0
03, Jun 2025
Perfect solution for my salon
As the owner of a growing hair salon, I needed fast capital to hire two additional stylists and purchase supplies for the holiday rush. Torro made that possible without a complicated process. I filled out their online form and spoke to a rep the same day. They reviewed my bank statements and approved me quickly. The funds were in my account the next day. I appreciated that they looked at my business holistically and didn?t make it just about my credit score. The daily payments felt like a subscription model, which made it easy to plan for. Their team also checked in during the term to make sure things were going well. That level of service was unexpected but appreciated. Everything was upfront?no surprise deductions or fees. I?d recommend Torro to other business owners who need quick funding without the red tape. They were efficient, respectful, and very professional throughout.
Mia Thompson
4/5.0
25, May 2025
Reliable short-term capital
I?ve worked with a few different funding companies over the years, and Torro definitely stands out for its simplicity and speed. I operate a small food truck, and we had an opportunity to join a popular weekend event series that required upfront vendor fees. The funds from Torro made that possible. The application process was straightforward, and I received approval within hours. Their rep was clear about the repayment schedule and what I?d be expected to pay daily. While the cost of the capital was a bit on the higher side, I appreciated the convenience and how fast the process moved. No jumping through hoops or endless paperwork like traditional banks. The daily deductions were manageable, especially since the events increased our revenue. Overall, I found Torro to be a practical option for quick access to funds. It?s not the cheapest way to borrow, but it?s reliable and transparent, which matters a lot.
Michael Sharma
5/5.0
16, May 2025
Fast funding and great service
My experience with Torro has been excellent. I own a landscaping business, and I needed funds to take on a large commercial project. Traditional banks were either too slow or asked for too much paperwork. Torro, on the other hand, made everything easy. I applied online and got a call the same day. They explained the funding options, repayment terms, and answered all my questions. Once I agreed, the funds hit my account in 24 hours. I was able to buy supplies and hire temporary labor for the project. The daily repayments worked for my business model since we bring in consistent income. What stood out most was the transparency?no hidden fees or sudden charges. They told me exactly what to expect, and that?s what I got. Their customer support is also solid. I felt supported the whole time. If you need quick business funding without the bank hassle, Torro is a good bet.
Megan Wright
5/5.0
07, May 2025
Dependable support when I needed it most
Torro came through for me when my business was in a tight spot. I run a small auto repair shop, and a couple of large invoices were delayed. I needed quick working capital to cover payroll and keep operations running. I applied on their website, and within hours, a rep called to walk me through the process. They explained everything clearly?no pressure or sales tactics. The funds arrived the next day, and the daily repayment structure worked for us since we generate steady revenue. I appreciated the honest communication and how accessible their team was throughout. They even checked in during the repayment period, which made me feel like more than just a number. The terms were reasonable considering the speed of funding, and there were no surprise fees. I?d absolutely use Torro again if the need arises. They?ve earned my trust by being transparent, responsive, and reliable from day one.
Maya Patel
5/5.0
28, Apr 2025
Made it easy for a new business
As a newer business, it?s tough to get banks to take you seriously. Torro looked at more than just credit score and helped me access funds to grow. Everything was done online, and I never felt rushed or confused. I was able to restock inventory and cover some marketing costs. The experience was great from start to finish.
Mason Johnson
4/5.0
19, Apr 2025
Helped me stay afloat
My bar was behind on a few bills and I needed quick funding. Torro?s process was fast and simple. I received approval the same day and funding the next. The daily payments took some getting used to, but the rep was helpful in setting expectations. The service helped me stay open during a slow month.
Marissa Rossi
5/5.0
10, Apr 2025
Best funding experience I?ve had
I've used other lenders before, but Torro was by far the easiest to work with. They respected my time and didn?t flood me with unnecessary documents. The funds arrived quickly, and they were clear about everything. I was able to finish renovations and reopen without delay. Smooth process, honest service, and no pressure at any point. Would recommend them for sure.
Mark Rodriguez
4/5.0
01, Apr 2025
Fair option for small needs
Needed some working capital to tide us over during a quiet month. Torro got us funded fast. The interest rate was higher than I expected, but I appreciated the transparency. They explained the full repayment plan clearly. It helped us meet payroll and keep things running. Not the best for long-term funding, but good for urgent needs.
Maria Thomas
5/5.0
23, Mar 2025
Delivered on all promises
Torro?s service was professional, quick, and helpful. The rep I spoke with was upfront and didn?t waste my time. I was approved within a few hours and had funds in my account the next day. Used the loan for expanding our catering business. The daily payments worked fine since we have a consistent stream of revenue. Very happy with the experience overall.
Marcus Green
4/5.0
14, Mar 2025
Worked well in a pinch
We had to order supplies quickly and didn?t have time to wait for traditional loan processing. Torro was able to fund us the next day. The rate wasn?t ideal, but the speed and support made up for it. Everything was explained, and there were no surprises with the repayments. If you?re in a bind and need money fast, they?re worth looking into.
Madeline White
5/5.0
05, Mar 2025
Smooth and stress-free
I was expecting delays and confusion, but Torro delivered a very smooth experience. From the initial application to funding, everything happened within a couple of days. I used the loan to upgrade some outdated equipment in my salon. My cash flow is steady, so the daily payments didn?t create issues. Customer support was always there when I had questions, and nothing felt hidden or unclear. This was my first time working with a direct funder, and I was impressed. Would definitely consider them again in the future. It gave my business the push it needed at the right time.
Mackenzie Wilson
4/5.0
24, Feb 2025
Quick service and helpful team
I found Torro while researching fast funding options. Their site was easy to navigate, and the application only took a few minutes. A rep called me right after and explained the terms clearly. I used the funds to cover an unexpected vendor order. The daily deductions were new to me, but they turned out manageable. My rep stayed in touch during the whole process, which made it feel more personal. I wouldn?t rely on this long term, but for short-term business needs, I was happy with the results. Just read the terms carefully before agreeing.
Luke Sanchez
5/5.0
15, Feb 2025
Great fit for my retail business
Torro was exactly what I needed. I had trouble getting approved by my bank because of some past credit issues, but Torro looked at more than just that. The funding came quickly, and I was able to hire two part-time workers right before our rush season. The daily payments were fine because we have steady foot traffic. My experience was positive all around. Everything was clear, and I didn?t feel pressured. They stayed in contact the whole time, which made me feel supported. For businesses that don?t want the hassle of traditional loans, this is a solid option.
Lucy Miller
4/5.0
06, Feb 2025
Practical solution for small shops
I run a small clothing store and needed funds before our busy season. Torro helped me get approved in less than 24 hours. The entire process was much faster than traditional lenders, and everything was done online or over the phone. The daily repayments were a bit of a stretch at first, but it became easier once business picked up. Their support team was responsive and didn?t push me into anything. I appreciated that. It?s not a cheap option, but it worked when I needed it. I?d suggest Torro to other small business owners needing fast capital.
Logan Cooper
5/5.0
28, Jan 2025
Torro exceeded expectations
My experience with Torro was very smooth. I was worried at first because I?d never used alternative funding, but they walked me through the whole thing. They looked beyond just my credit score and took the time to understand my business. Funds were in my account quickly, and I was able to launch my new product line on time. The rates were explained upfront, and there were no surprise deductions. I also liked how the team checked in during the process to see how things were going. I?d absolutely come back to them in the future.
Lillian Bell
4/5.0
19, Jan 2025
Convenient for fast-moving businesses
Torro?s funding helped me meet payroll when our client payments were delayed. What I liked most was how quick and responsive they were. No drawn-out paperwork or multiple weeks of waiting like with banks. I got the money the next day. The terms were reasonable, and the rep was patient in answering questions. The daily repayment was manageable since our revenue comes in steadily. They didn?t overpromise or mislead, which I appreciated. I wouldn?t use it for long-term needs, but for short-term working capital, this service made a lot of sense. Would consider again if needed.
Liam Davis
5/5.0
10, Jan 2025
Fast, simple, and effective
I?ve dealt with banks and traditional lenders before, and it was always slow and stressful. Torro was a completely different experience. Their online application took minutes, and someone called me within the hour. Everything was clearly explained, and the money came fast. I used it to invest in new equipment and paid it off without issues. The daily repayment worked well for us because we process transactions every day. I liked the transparency and how they didn?t try to upsell anything. It?s not a one-size-fits-all lender, but for my needs, they were a perfect fit.
Leo Sullivan
4/5.0
01, Jan 2025
Helped bridge a short-term gap
When my bakery faced a sudden repair expense, Torro helped me cover the cost without affecting day-to-day operations. The application process was easy, and the staff guided me through each step. The daily repayment method made me nervous at first, but it worked out fine. Their team checked in during the process, which felt reassuring. It?s not the cheapest money out there, but it?s definitely faster than going to a bank. If your business has steady revenue and needs quick access to capital, Torro can be a helpful option. I appreciated their honest and upfront communication.
Leah Coleman
5/5.0
22, Dec 2024
A real boost when I needed it
Torro came through for me when my business hit a slow patch. I applied on a Tuesday, and by Wednesday afternoon, the funds were in my account. The rep I worked with was professional and clearly explained what to expect. The daily repayment plan worked for me since my revenue is consistent. It helped me catch up on vendor payments and even order new stock. There were no hidden fees, and I always knew what I was paying. For a small business in need of working capital fast, this is a solid option. I?d gladly use them again.
Layla Peterson
3/5.0
13, Dec 2024
Just be cautious
If you?re going to use Torro, read everything carefully. It?s fast but pricey. Could work, but not ideal for everyone.
Lauren Sanders
2/5.0
04, Dec 2024
Should?ve researched more
I didn?t realize the repayment started right away and that it?d be daily. Ended up putting pressure on my accounts.
Landon Bennett
3/5.0
25, Nov 2024
Felt more like an advance
I thought I was getting a small business loan, but it felt more like a cash advance. Terms weren?t very clear.
Kylie Watson
2/5.0
16, Nov 2024
Not for tight budgets
The repayments felt aggressive for my size of business. It made more sense for a high-revenue operation, not mine.
Khloe Brooks
3/5.0
07, Nov 2024
Fast funds, slow answers
They delivered on speed but not on service. Once the loan was done, it was hard to get anyone on the phone.
Kevin Gray
2/5.0
29, Oct 2024
Lack of support
I had issues with the deductions and couldn?t get help fast enough. Ended up managing the issue on my own.
Kennedy Barnes
3/5.0
20, Oct 2024
Just average
The process was okay, but the terms weren?t great. Better than nothing, but not a long-term solution.
Kayla Edwards
2/5.0
11, Oct 2024
Misleading communication
Felt like the sales pitch was different from the reality. The fees and structure of repayment weren?t transparent enough.
Kaitlyn Price
3/5.0
02, Oct 2024
Okay experience
I needed quick cash and got it, but I wish they had explained the cost more clearly. Felt a little rushed.
Julian Foster
2/5.0
23, Sep 2024
No real loan flexibility
They talk about working with small businesses, but they don?t allow for any adjustments if you run into trouble.
Julia Kelly
3/5.0
14, Sep 2024
Watch the total cost
Funding was fast, but the repayment terms were steep. I ended up paying back much more than I realized.
Joshua Bell
2/5.0
05, Sep 2024
Poor follow-through
Sales rep was friendly at first, but disappeared after the loan hit my account. No guidance or support afterward.
Joseph Russell
3/5.0
27, Aug 2024
Not for seasonal businesses
My business has ups and downs. The daily repayment plan didn?t work well during slow weeks. Wouldn?t recommend unless income is steady.
Jordan Long
2/5.0
18, Aug 2024
High pressure to accept
I was pushed to decide quickly. Didn?t get enough time to review the agreement before money was already on its way.
Jolie Ward
3/5.0
09, Aug 2024
Loan came fast, support didn?t
Got funded quickly, but couldn?t get clear answers when I needed help with repayment terms. Felt alone after signing.
John Richardson
2/5.0
31, Jul 2024
Repayment hurt cash flow
The daily payments started immediately and didn?t match the rhythm of my income. Made things harder instead of easier.
Jessica Howard
3/5.0
22, Jul 2024
Good speed, bad structure
They approved and funded me fast, but the repayment system was difficult to manage. Daily deductions were more stressful than helpful.
Jeremy Rivera
2/5.0
13, Jul 2024
Customer service went quiet
At first, they were very responsive. After the funds were sent, it became hard to reach anyone. Had questions and nobody followed up.
Jennifer Cooper
3/5.0
04, Jul 2024
Too many fees
The process was fast, but the cost was higher than expected. Fees weren?t explained properly at the start. It?s quick cash, but definitely expensive.
Jeffrey Cox
2/5.0
25, Jun 2024
Not as flexible as promised
They made it sound like the loan terms were adjustable, but once I signed, there was no room to make changes. Daily payments were too much for my cash flow to handle.
Jayden Nelson
1/5.0
16, Jun 2024
Felt more like a trap
I needed money to bridge a slow season, and Torro looked like a good option. They were friendly and quick to respond at first. Once I was approved, the tone changed. The repayment started the very next day, which caught me off guard. I didn?t fully understand the daily withdrawal structure or how much I?d be paying over time. When I called to clarify, I was bounced between departments. No one seemed to own the issue. I ended up having to take on more debt just to stay afloat. It was stressful and honestly felt like a trap. Their website says they work with businesses banks reject, but I think they just take on riskier clients and charge high fees to make up for it. I should have done more research, but I also think they should be more upfront. I wouldn?t recommend them to anyone.
Jason Perez
2/5.0
07, Jun 2024
Looks easy, ends up costly
It all seemed simple at first. Apply, get approved, get funded. But the devil?s in the details. The interest was way higher than it appeared. They don?t advertise the real APR clearly, and I had to dig through the contract to find the effective rate. The daily deductions were rough, especially since I run a business where income comes in waves. Some days were great, others not so much. But the payments didn?t care. They just kept coming. I asked for an adjusted payment schedule?no luck. The funding helped me complete a project, but the price I paid in stress and fees wasn?t worth it. I should have explored other options first. They deliver on speed, yes. But that speed comes with a price, and it adds up fast. Think carefully before jumping in.
Jasmine Garcia
1/5.0
29, May 2024
Not the partner I hoped for
When a company claims to help small businesses, I expect some level of understanding and support. That?s not what I got from Torro. The rep I spoke with was enthusiastic and gave me the impression that this was a supportive lender. But once the deal was signed, things changed. The terms weren?t flexible, the communication became robotic, and my questions were rarely answered. Daily deductions made it hard to stay afloat. There was no effort to understand how the repayment was affecting my cash flow. I even requested a temporary reduction?just for a week?and was flatly told no. The loan helped in the very short term but created long-term stress. I?ve had better experiences with other lenders who genuinely care about their clients. Torro feels transactional. Once the money is sent, you're on your own. I don?t recommend them if you value long-term partnerships.
James Cook
2/5.0
20, May 2024
Short-term fix, long-term pain
Torro gave me what I needed in the moment, but it ended up being too much to handle. The funding came through fast, which helped us catch up on a few invoices. But after that, it all went downhill. The daily payments were too aggressive. There was no room to breathe. It would?ve made more sense to offer a weekly or monthly repayment structure. Even one missed day caused issues. I felt like I was constantly racing to cover the payment instead of focusing on growing my business. I contacted them to see if we could restructure, but they had no options. If your business doesn?t bring in consistent daily revenue, don?t go this route. It looks simple on the surface but becomes a real burden quickly. Wish I had more time to research before jumping in.
Jade Roberts
1/5.0
11, May 2024
Support vanished after funding
The sales process was smooth. They answered calls quickly, and the rep was very helpful... until I signed. Once the money was in my account, it felt like I was on my own. The repayment schedule began the next day, and when I had questions, I couldn?t get a straight answer from anyone. Calls were ignored, emails weren?t returned, and I was stuck with daily deductions I couldn?t afford. The fees were much higher than I?d been led to believe, and I couldn?t find anyone willing to walk me through the actual repayment plan. It felt like once they closed the deal, I didn?t matter anymore. I expected more support from a company claiming to help small businesses. Instead, I felt trapped. If you need fast money and don?t care about long-term cost or service, maybe it?s okay. But if you value customer support, look elsewhere.
Jackson Rodriguez
2/5.0
02, May 2024
Fine print makes a big difference
Everything sounded good on the call. They promised fast approval, easy terms, and helpful customer service. What I didn?t realize until after signing was that the daily repayments would begin immediately and that they wouldn?t pause even if I had a slow sales week. I asked several times about flexibility, but there wasn?t any. They stick to the contract no matter what. The interest rate wasn?t clear upfront either?it was buried in the agreement, and the way they structure it made it hard to calculate. Once I figured it out, I realized the loan was extremely expensive. The rep I worked with was nice, but didn?t give me the full picture. By the time I figured it out, I was locked in. Torro might work for someone with steady daily sales, but if your revenue varies, this could cause problems. Definitely not a good fit for my situation.
Jack Morris
1/5.0
23, Apr 2024
Too aggressive and not business-friendly
Torro is not what I expected. Yes, they fund fast, but they also demand repayment aggressively. The daily deduction system is brutal for any small business that doesn?t have a perfectly consistent cash flow. They made it seem like flexibility was an option, but when I tried to change terms after two tough weeks, they said there was nothing they could do. I ended up taking out another loan just to keep up with the daily payments, which obviously made things worse. The interest rate was high, but the worst part was the lack of human understanding. I explained my situation multiple times, but all I got was automated emails. I honestly believe they care more about getting their money than helping businesses succeed. That?s not what I expected from a fintech lender that?s supposedly designed for small businesses. Won?t use them again.
Laila Johnson
2/5.0
14, Apr 2024
Costs more than it's worth
I needed funding for a short-term marketing project and chose Torro because of how quickly they move. The application was easy, and I got the funds within a day. But the repayment structure caught me off guard. Daily deductions started the very next day and continued regardless of weekends or cash flow. The fees were very high, and once I added everything up, the cost of borrowing was nearly double what I got funded. I contacted their support, hoping to maybe get a reduced payment plan, but they were firm on sticking to the original terms. I don?t think they do much to assess whether the terms actually work for the borrower?s business model. If I had known the true cost, I might have looked for alternatives. Quick funding is great, but not when the loan ends up costing more than the project itself.
Landon Reddy
1/5.0
05, Apr 2024
No real flexibility
I really needed capital fast, and Torro was one of the first lenders to offer approval. That part went fine, but once repayment began, it became a nightmare. My sales dropped for a few weeks, and I called to see if the daily repayments could be adjusted or paused. They said no. There was no grace period, no assistance, nothing. The withdrawals kept happening, and I started bouncing payments. It got to the point where I was robbing Peter to pay Paul. The whole thing spiraled quickly. I expected some level of support if things got tough, but it wasn?t there. I felt like just another number to them. You might be okay if you have steady revenue, but if your business has fluctuations like mine, think twice. Torro isn't flexible, and the terms are rigid. There?s no leeway once you sign, which made a bad situation worse.
Kinsley Fitzgerald
2/5.0
27, Mar 2024
Confusing agreement and rushed approval
The speed at which they approved and funded my loan was impressive, but it felt like I was being hurried into signing before fully understanding what I was agreeing to. The contract was filled with finance terms that weren?t clearly explained, and once I asked for clarification, the answers were vague or delayed. After funding, I noticed the repayments started almost instantly and were withdrawn daily?something that wasn't made clear enough. The cumulative repayment was also far higher than expected, and there was no way to renegotiate the terms once signed. I tried reaching out several times, but the service dropped off after I received the money. It really felt like they were more focused on closing the deal than supporting a client. If you're not familiar with merchant cash advance setups, this might take you by surprise. Overall, I felt unprepared and stuck once the agreement was signed.
Kyle Abraham
1/5.0
18, Mar 2024
Unclear repayment terms
I was drawn in by their fast funding pitch, and it?s true?they fund quickly. But what they don?t explain well is the structure of the repayment. Daily deductions started the very next day and kept coming regardless of weekends or holidays. I didn?t budget for that and had to dip into personal funds to stay afloat. I reached out for help, and all I got was a scripted response. No real support. The total repayment ended up being a lot more than I expected, and I felt tricked. They package everything under ?working capital,? but it felt more like an advance with high interest. I get that they?re not a traditional bank, but that doesn?t excuse vague communication. My business survived the loan, but barely. I wouldn?t go this route again. Be sure to ask for a full repayment calendar and double-check all the fine print.
Kennedy Jackson
2/5.0
09, Mar 2024
Everything moved too fast
I understand that fast funding is the appeal, but it all happened too quickly to really digest the terms. I was approved and funded in less than 24 hours, but I barely had time to review the repayment schedule. The daily payments were a shock. I was expecting monthly or at least weekly. Once the withdrawals started, I realized it was going to be tighter than I thought. When I tried to contact the rep, they were hard to reach. I had questions, but there was no one clearly responsible for follow-up. I also noticed the final repayment was much more than I originally calculated. There was no clear breakdown of the total cost. Everything just felt rushed. If you're considering Torro, slow down and ask for full documentation. I won?t say the service was bad, but the process was too fast and lacked transparency.
Jordan Menon
1/5.0
29, Feb 2024
Misleading process
Everything was great until the money hit my account. Then reality kicked in. The loan was not structured like a typical business loan?it was more like a merchant cash advance with high fees and daily payments. That part wasn?t made totally clear during the application. When I asked the rep about the total cost, he gave a vague answer. I should?ve pushed harder, but I was in a rush. My business barely made it through the repayment period because of the aggressive withdrawals. No flexibility was offered even when I explained my situation. It?s not a scam, but it?s definitely not fully transparent either. Be careful and make sure you fully understand what you?re agreeing to. I don?t think it?s suitable for most small businesses unless your cash flow is extremely stable. For me, it was more stress than support.
Jade O'Malley
2/5.0
20, Feb 2024
Loan felt like a cash trap
I was in a tight spot and needed a quick loan to cover vendor payments. Torro seemed like a good choice because they promised fast approval. They delivered on speed, but the repayment system ended up being more harmful than helpful. Daily deductions sound manageable, but they really wear on your cash flow. I ended up overdrafting multiple times. What made it worse was the lack of flexibility. I tried to request a lower daily amount temporarily, but they wouldn?t adjust anything. It was very much a one-size-fits-all setup. No room for adapting to real-life business needs. The interest was also very high?something I didn?t catch right away. They package it nicely in the beginning, but the actual cost becomes clear later. If you?re desperate, it might feel worth it, but it?s a short-term fix with long-term stress. Not something I?d do again.
Jeremy Chopra
1/5.0
11, Feb 2024
Wish I had read the fine print
At first, Torro seemed like a lifesaver. They moved quickly and said I?d be approved in no time, which turned out to be true. But the problem was in the repayment. It was daily, which they did mention, but I didn?t realize how fast it would drain my account. My business is seasonal, and we don?t always have steady cash flow. The daily deductions put me in a bind, and there was no way to pause or renegotiate the plan. Customer service said it was out of their hands. I didn?t expect them to be so rigid. Also, the cost of the loan ended up being way more than I was comfortable with. I take full responsibility for not reading the fine print more closely, but I wish the rep had taken more time to walk through the total cost. Overall, it just wasn?t a great experience for me.
Joanna Stone
2/5.0
02, Feb 2024
Poor communication and no flexibility
I had high hopes for Torro after reading some positive reviews, but my experience didn?t match that. After applying, I got a call almost immediately, which was fine. But as soon as I asked more detailed questions about the terms, the answers got vague. It took days to get straight information about the fees, and by that time, I felt pressured to accept the offer. Once the money was deposited, I realized how aggressive the repayment terms were. Daily deductions left me constantly trying to maintain a balance. I tried to reach someone to discuss adjusting the terms, but no one followed up. Emails were ignored, and calls just got me generic responses. It felt like once they had me locked into the contract, I was on my own. This might work for some businesses, but if you need flexibility or honest support, I?d look elsewhere.
Jeffrey Agarwal
1/5.0
24, Jan 2024
Daily withdrawals hurt my business
One thing I didn?t realize was how much of an impact daily repayments would have. It sounded simple when the rep explained it, but in reality, the constant withdrawals really affected my cash flow. I thought I could manage, but it ended up putting more pressure on my business. When I tried to discuss options or changes to the repayment schedule, they said it wasn?t possible. I felt stuck. Also, the interest rate felt excessive once everything was added up. I wasn?t given a clear breakdown of costs, and everything moved so fast that I didn?t get a chance to fully review the terms. Customer service wasn?t helpful when I reached out, and I was basically told there was nothing that could be done. I wouldn?t recommend this to anyone unless you?re absolutely sure your business can handle aggressive daily deductions. For me, it caused more harm than help.
Jasmine Chen
2/5.0
15, Jan 2024
More expensive than expected
The application process was quick, I?ll give them that. But once the loan terms were sent over, I noticed the fees were quite high. I still went forward because I needed capital urgently, but I probably should?ve waited. The repayment started almost immediately, and it was daily withdrawals, which became stressful. I called customer service and got different answers depending on who I spoke to. It just didn?t feel consistent or transparent. I also didn?t get a clear schedule showing how the total repayment would play out. Honestly, if you?re a small business struggling with cash flow, daily payments might just make it worse. This setup might work for some, but I?d advise others to really compare options before signing. I wouldn?t say it was a scam, but it was definitely not what I hoped for. Too expensive and not flexible enough for my situation.
Ian Ndungu
1/5.0
06, Jan 2024
Felt pressured and misled
The rep I spoke to was pushy from the start. He made it sound like I was pre-approved, but once I submitted documents, the offer changed. I felt cornered into agreeing because I needed the funds, but the repayment terms were not clearly explained. They take daily payments, which ended up hurting my cash flow more than helping. I also noticed fees that weren?t disclosed upfront. When I tried to get clarification, I was transferred around with no clear answers. Customer service felt more like a sales team trying to move me along rather than actually helping. My advice: don?t rush into anything with them. Take your time to read everything. I regret not slowing down to review the fine print. In the end, it felt more like a merchant cash advance than a proper business loan, and that?s not what I expected at all.
Iris Rodriguez
2/5.0
28, Dec 2023
Unexpected fees and unclear terms
I went with Torro hoping for a smooth funding experience, but things didn?t go as planned. The application was fast, but once approved, the terms suddenly seemed different than what was initially discussed. The repayment amount was much higher than I expected, and I didn?t realize there were daily withdrawals instead of monthly ones. I asked for a breakdown, and while the rep was polite, it still wasn?t very clear. I should?ve read more reviews before jumping in. It?s not that they lied, but I think they could be more transparent upfront. The funding did arrive quickly, but the overall cost caught me off guard. If you?re considering them, definitely double-check the repayment schedule and ask detailed questions about fees. I wouldn?t use them again unless the process became more straightforward.
Hayden Iyer
5/5.0
19, Dec 2023
Solid lender for small biz
This is the kind of support small businesses need. Fast, professional, and no games. Torro helped me with short-term funding and treated me like a person, not a number.
Hailey Kowalski
4/5.0
10, Dec 2023
Worked as promised
Their website said funding in 24 hours and they stuck to it. Very professional and easy to deal with. The only issue I had was with one unclear document, but it got resolved quickly.
Harrison Gupta
5/5.0
01, Dec 2023
Good solution for cash flow
Ran into a gap before a big client payment came through. Torro filled the space so we could pay vendors and avoid late fees. Quick action and fair service.
Gwyneth Ndlovu
4/5.0
22, Nov 2023
Helpful at the right time
Timing was perfect. We had a surprise expense and Torro filled the gap without hassle. Some paperwork delays, but the staff was always responsive. It worked out well in the end.
Graham Joshi
5/5.0
13, Nov 2023
Better than expected
Didn?t know much about Torro before applying, but they impressed me. Application was quick, no excessive paperwork. The rate was reasonable for what I needed. Would use again if needed.
Georgia Lee
4/5.0
04, Nov 2023
Clear and quick
Needed short-term funding and Torro was the first to respond with a real offer. Their service was solid and everything they promised was delivered. Can?t ask for much more than that.
Finnigan Moreau
5/5.0
26, Oct 2023
A much-needed push
This helped our business during a very tight month. Everything from application to deposit took less than two days. The funds gave us breathing room, and now we?re back on track.
Peter Clarke
4/5.0
17, Oct 2023
Efficient and professional
The loan officers knew their stuff. They explained the details clearly and didn?t pressure me. It felt like they wanted to help, not just sell something. Refreshing experience.
Colin Harris
5/5.0
08, Oct 2023
Met my expectations
Wasn?t sure what to expect, but Torro delivered. The entire process was smooth. They kept me posted through each phase and didn?t dodge any questions. Clear communication makes all the difference.
Henry Brown
4/5.0
29, Sep 2023
Fast loan approval
Applied on Monday, got approved by Tuesday, and received funds by Wednesday. Their rep was easy to talk to and made the whole thing very manageable. Wouldn?t mind using them again.
Amrita Singh
5/5.0
20, Sep 2023
Got what I needed
After being rejected by two banks, Torro helped me out. They asked for basic info, gave me clear terms, and didn?t waste time. I appreciated that they saw potential where others didn?t.
Sophie Green
4/5.0
11, Sep 2023
Great customer support
The thing that stood out the most was how attentive the support team was. They followed up regularly and made sure I understood every step. Terms were laid out plainly. It made the experience way better.
Peter Clarke
5/5.0
02, Sep 2023
Easy from start to finish
Didn?t expect the process to be this smooth. Applied in the morning, got approved that afternoon, and money was in my account by the next day. Nothing confusing about it. Very impressed.
Lucy Fern?ndez
4/5.0
24, Aug 2023
Responsive team
The staff answered every question quickly and clearly. Application was easy. Documentation part took a little time but wasn?t a big deal. Received funding right after everything was finalized. Would recommend for short-term business needs.
Benjamin Wright
5/5.0
15, Aug 2023
Lifesaver during crunch time
Our auto shop had a cash flow gap. Torro helped bridge it with quick capital. Their rep knew what they were doing and kept everything on track. Thanks to them, we didn?t miss payroll or supplier payments.
David Li
4/5.0
06, Aug 2023
Decent lending option
Torro came recommended by a colleague. I gave it a shot and they were fast, as promised. Had a few concerns about repayment terms, but the rep explained them well. Still early, but so far, so good.
Charlotte Hayes
5/5.0
28, Jul 2023
Perfect for small businesses
My online store needed extra funds to scale up marketing. Torro got the job done fast. They understood my needs better than my bank did. Within a day, we had the capital and were able to boost ads and grow our reach.
Derek Campbell
4/5.0
19, Jul 2023
Stress-free process
Had never borrowed like this before, but the team at Torro made it less intimidating. Everything was explained clearly, and they worked with me to find something that fit. Small hiccup with email communication, but no big issues.
Ivy Pavlov
5/5.0
10, Jul 2023
Friendly and fast
Customer service was better than I expected. Everyone I spoke to was helpful and polite. They walked me through each part of the process and kept me in the loop. Fastest funding I?ve gotten so far. Really appreciated the effort.
Hugo Luthra
4/5.0
01, Jul 2023
Solid funding choice
Our restaurant needed quick funds for renovation, and Torro stepped up. They weren?t the cheapest option, but their process was fast and the staff was easy to work with. We got the money in time and completed the upgrades as planned.
Beatrice Schmidt
5/5.0
22, Jun 2023
Honest and supportive
Had a great experience with their rep. He explained the different options, didn't push anything, and let me decide. The rates were explained upfront and there were no surprises. This kind of honesty is hard to find with lenders.
Milo Biswas
4/5.0
13, Jun 2023
Smooth and fast deal
Needed funding to cover seasonal stock. The process was quicker than I thought it would be. Terms were fair. The only thing that slowed it down a bit was the underwriting step, but overall they delivered as advertised.
Eliza Mancini
5/5.0
04, Jun 2023
Fast and reliable
Torro really lived up to their promises. Filled out the app and heard back in just a few hours. The rep was on point and kept me updated at each step. Money was in the bank in no time. Reliable support when it mattered.
Oscar Khanna
5/5.0
26, May 2023
Quick capital when needed
Our bakery had a sudden need for repairs and we were low on cash. Torro gave us the help we needed fast. Everything was explained upfront, and they didn?t hide fees. The funding helped us stay open. Would work with them again.
Maisie Sowah
4/5.0
17, May 2023
Very helpful staff
The team was knowledgeable and easy to talk to. They explained the terms well and didn?t use confusing language. My only complaint was a bit of back and forth with the contract. But once that was sorted, the funding came fast.
Calvin Soni
5/5.0
08, May 2023
Came through when others didn?t
Other lenders turned me down because of credit history. Torro looked at more than just credit and approved my loan. I was able to cover payroll and purchase supplies without stressing. They gave my business the boost it needed.
Freya Jensen
4/5.0
30, Apr 2023
Helped me expand
Was trying to open a second location, but funding was tough with banks. Torro stepped in and approved me within 24 hours. Funds arrived quickly. There was a slight delay with documentation, but nothing major. Overall, it was a good experience and definitely worth looking into for small business support.
Jude Naidu
5/5.0
21, Apr 2023
No-nonsense funding process
Unlike banks that take weeks, Torro had my business pre-approved in less than a day. Very minimal paperwork and great customer service. They didn?t push unnecessary options and respected my decisions. Would suggest them to anyone who needs a straightforward loan process for their business.
Sylvie Weber
4/5.0
12, Apr 2023
Good experience overall
Torro helped me secure funding fast. The process was pretty clear, and communication was consistent. There were a few questions along the way, but the rep I worked with was patient and guided me through. The money hit my account faster than expected. It was a positive experience, and I?d use them again.
Mason Malik
5/5.0
12, Apr 2023
Quick, fair, and easy
I was hesitant about alternative business funding, but Torro completely changed my mind. I run a home cleaning service and needed cash to expand into a new neighborhood. Banks dragged their feet, but Torro acted fast. I applied, got a call within an hour, and was funded the next day. Everything was clearly explained?no shady terms or vague fees. The daily payment plan worked fine for me, since my income is steady. What stood out most was their follow-up. They checked in regularly and even gave tips on how to manage my repayments better. It wasn?t just about giving me money and disappearing?they were genuinely invested in how I was doing. I was able to grow my business, hire another cleaner, and see immediate results. I?m really glad I gave Torro a try. They made a stressful situation feel manageable. I?ll be returning to them whenever I need fast business support.
Otis Kapur
5/5.0
03, Apr 2023
Simple and quick funding
The application was fast and easy. Torro's team followed up right away and made the process smooth. Got funds within a day and could manage inventory restocking just in time. Everything felt organized and efficient. They clearly understand small business needs better than traditional banks. Glad to have found a lending partner like this.
Madison Cooper
5/5.0
03, Apr 2023
Funding with clarity and care
What impressed me most about Torro was how human the experience felt. I expected a robotic process, but instead I got someone who took time to understand my business. I run a small digital marketing firm and needed capital to hire a contractor for a new client project. Time was tight. Torro not only moved quickly, but they also explained everything clearly?what the payments would be, how long the term was, and what to expect. I got approved and funded within 24 hours. The process felt smooth and personal, not transactional. Their customer service was responsive every step of the way. I even got a follow-up email two weeks in just checking how things were going. That kind of care is rare. The daily payments were easy to manage, and everything was transparent. I?ll definitely keep Torro in mind for the future. They proved to be a reliable partner when I needed one.
torro
TORRO was established in 2013 in Newcastle upon Tyne, in the North East of England. The brand is dedicated to crafting premium, functional tech and lifestyle accessories for those who appreciate quality, craftsmanship, and thoughtful design. Featured in GQ, Vogue, WIRED, MacWorld, c|net, and TechRadar, TORRO has earned recognition for its award winning leather goods. The collection includes leather cases for Apple iPhone and iPad, Samsung Galaxy, and Google Pixel, along with luxury bags, wallets, golf, and travel accessories.
Address
United States
Website
torro.com
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