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BreadRoute Review
Torro Funding
4.0Our Torro Funding Review
Torro Funding is a fintech direct funder serving businesses across the United States with merchant cash advances and working capital up to $575,000. Founded in 2015, it's built a solid reputation among the businesses it serves — with over a thousand customer reviews skewing strongly positive, citing fast funding and professional service. Torro is notably flexible on credit: existing businesses may qualify with a personal FICO as low as 400, and there's no minimum time in business, making it a realistic option for startups and credit-challenged borrowers alike. Same-day approval is possible for qualified applicants. One reported concern involves a complaint related to unauthorized access and misuse of confidential data from an SPV — worth factoring in as you compare options. A good fit if you need capital quickly and may not meet the bar at traditional lenders.
Who Is Torro Funding Best For?
Based on eligibility requirements and available products.
- Businesses where credit score is not a primary factor
- New businesses with limited operating history
Financing Options
Eligibility Requirements
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Other Nonbank Lender lenders
Torro Funding Pros & Cons
Pros
- No minimum credit score requirement
- Startup-friendly no seasoning requirement
- Lends nationwide
Frequently Asked Questions
Torro Funding offers financing in the range of Up to $575,000.
Torro Funding does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
Torro Funding offers the following financing products: Merchant Cash Advance.
Torro Funding requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Torro Funding provides financing to businesses across the United States.
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