Torro Funding

Thank you for the great feedback, we really appreciate you taking the time to share your experience. We’re glad to hear that Adam delivered exactly the level of service we aim for. Clear communication, speed, and making sure our clients fully understand their options are all core to what we do, so it’s great to see that reflected in your experience. We’ll be sure to pass this along to Adam and the team. If you need anything moving forward, whether it’s additional capital, restructuring, or future planning, we’re always here to help. Torro Support Team

Thanks for sharing, Mike. Rick is the man! Happy he was able to help dial in a funding solution that worked for your business. Cheers!

We take accusations like this very seriously, and we want to be clear, Torro is not a scam, and we do not mislead applicants. We do, in fact, work with startup clients every day. However, it’s important to understand that traditional startup funding (especially for pre-revenue businesses) is extremely limited across the entire lending industry, not just at Torro. This is why alternative funding structures, including credit-based programs, are often used for newer businesses. The credit report you’re referencing is not a “trap”, it is a required step to determine eligibility across multiple funding options. We specifically request a 3-bureau report so our team can accurately assess approval potential without running unnecessary hard inquiries that could negatively impact your profile. As for being “passed around,” our process involves specialists (intake, underwriting, and funding coordination) to ensure clients are matched with the best possible option. That said, we agree that communication should always feel seamless, and we’re continuously improving that experience. We understand that not every applicant will qualify ,especially in the startup space, but that does not make the process fraudulent. It reflects the reality of lending requirements. If you’re open to it, we’re happy to review your situation again and provide a clear, transparent breakdown of what options may be available. — Torro Funding Support Solutions Driven. Results Proven.

Thank you for taking the time to share your experience. We take feedback like this seriously and want to address your concerns directly. First, we sincerely apologize for any frustration you experienced during the process. Being hung up on is not aligned with our standards of professionalism, and we are actively reviewing this internally. To provide some clarity, startup funding—especially for pre-revenue businesses—is one of the most challenging segments in lending. While a strong credit score (such as 760+) is certainly a positive factor, approvals are not based on credit score alone. Lenders also evaluate depth of credit history, active trade lines with major banks, utilization, and overall banking relationships. In some cases, even highly qualified applicants may not meet the full underwriting profile required by lending partners. That said, your request for transparency is completely fair. We strive to educate every client on their options, and we acknowledge that we could have done a better job clearly outlining: • What lenders are specifically looking for beyond credit score • Why certain profiles may not qualify despite strong credit • What actionable steps can improve approval odds Regarding your willingness to adjust the funding amount or explore alternatives — that is exactly the right approach, and it’s something we typically guide clients through. In many startup scenarios, we offer alternative solutions such as structured credit programs that can still provide access to capital while building a stronger financial profile. At Torro, our goal is not just to process applications, but to position clients for successful approvals. When we determine that an application is unlikely to be approved, it is often to avoid unnecessary credit inquiries or negative outcomes with lenders. We would welcome the opportunity to reconnect, review your file in detail, and walk you through viable paths forward with full transparency. If you’re open to it, please reach out to our support team directly so we can make this right. — Torro Funding Support Solutions Driven. Results Proven.