Torro Funding Reviews 

Alfonso was diligent and thorough. He made sure all aspects were explained and understood. His team followed up in a timely manner and made it happen.
Thanks !

Alfonso made the process super simple! He was great at explaining everything and getting us the most funds possible! Thank you!

Joshua was great, he got us funded the next day! There was a small kink and he worked around it and was able to get us the funding we needed!

This company is a lie. They do not offer start up funding and just want you to pull a credit report and send to them. This is a scam and you will not receive funding.they toss you around and send you to person and no get you funding.

The experience was smooth transaction. Derek did a great job working the numbers and putting me where his team can maximize my needs.

Charlie P. was professional, patient and efficient. He explained the process, followed through to get answers, and funded my deal! Thank you very much!

Great team that worked fast on my loan Adrian and Adam from Torro really did everything they could to get me the best Loan for what I needed and I will do business with then again in the future !

Good communication throughout the process & beyond. Devon was able to answer all of my question before, during & after the funding process.

We worked with Adam. He was extremely responsive and things moved smoothly and quickly! We are very grateful!

I recently applied for startup funding for my business and initially worked with Gustavo Flores (Startup Funding Manager) and Manny Trevino (Funding Coordinator). Unfortunately, my experience has been extremely frustrating and unproductive.

After submitting all requested documentation, including a financial backer with a 760+ credit score, I was repeatedly told that the application was declined due to a “lack of active history with major banks.” Despite the strong credit profile, I was informed that I would need to find a different person to back the application.

What’s most concerning is the lack of transparency. I sent multiple emails requesting clarification on underwriting benchmarks, including:

• Minimum credit score requirements
• Required number of major bank trade lines
• Length of time accounts must be open
• Revenue or time-in-business thresholds
• Whether requesting a smaller funding amount would impact the decision

I also expressed that I was open to adjusting the funding amount, modifying terms, providing additional documentation, or exploring alternative programs. Unfortunately, I never received clear answers to these questions.

Additionally, when I called to try to get clarification, I was hung up on multiple times while asking reasonable questions about the process. That level of customer service is unacceptable, especially when someone is trying to start a business and is seeking professional guidance.

If there are specific underwriting criteria, they should be clearly communicated upfront instead of giving applicants the runaround. Transparency and professionalism go a long way, and unfortunately, that was not my experience here.

I would not recommend this company based on the lack of communication, clarity, and professionalism I encountered.

I'm writing this review because I was extremely happy with the way Joshua Morales handled my business loan process. He was very informative on what services that Torro offer every step of the way and made sure that my company got the right and best funding to fit our needs at this time. I can't thank you enough Joshua for your customer service and your willingness to help my company succeed. Awesome job and I will highly recommend your company's services to anyone needing funding. Torro is the way to go!!!!

Josh Stapley and Jarrad Carolan were awesome to work with. They explained everything clearly and worked with me to get me the funding I needed to grow my business. The process was smooth and went quickly, which was awesome. I would highly recommend!! I would give 10 stars if I could!

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!

The customer service I received from start to finish was 5 star. Derek Phillips my account executive kept me in the know every step of the way. Great folks to work with.

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

Enjoyed working with Derek very professional. They got the job done quickly and efficiently.

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.

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!

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.

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.