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Torro

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Broker and lender for working capital loans and startup fundingSalt Lake City, UtahThe FAQ states availability to qualified businesses across all 50 U.S. states; confirm product-specific availability.
View Torro on Best Business Loan Brokers →
BBLL 000211Listed Nov 2026From public recordsLast checked Nov 1, 2026
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About

Torro offers direct business funding alongside a marketplace for U.S. businesses. Its published choices include business capital for operating firms and startup capital through a credit-card/SLOC route. The company expressly states that it does not directly lend the credit-card/SLOC or SBA products.

Revenue based funder. Advances capital repaid from a share of future sales.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

Financing they offer

Working capital loansStartup fundingRevenue based financing

Some products may be arranged through other lenders.

ConstructionMedical and dentalRestaurantsRetailTrucking and logistics
From the lender's own site and public records.

A second look at Torro

Torro offers direct business funding alongside a marketplace for U.S. businesses. Its published choices include business capital for operating firms and startup capital through a credit-card/SLOC route. The company expressly states that it does not directly lend the credit-card/SLOC or SBA products.

Hybrid fintech direct funder and financing marketplace. Product ranges cover solutions available through Torro; they do not establish that Torro itself originates every loan or card.

Published by Levr, not by Torro. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked November 1, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Business capital and startup financing routes

Existing-business capital
The FAQ advertises business capital up to $575,000 for existing businesses, including expansion, equipment and working-capital needs; confirm the specific funding provider.
Startup route
Startup capital is advertised from $25,000 to $125,000. No-revenue startups may qualify through the SLOC/credit-card program based on personal creditworthiness; Torro is not the direct lender for that route.
Existing-business application
The FAQ requests the most recent four months of business bank statements and a one-page electronically signed application.
Funding timing
Approval may take hours and funding may be available the same day; completeness of documentation and final underwriting affect timing.

Provider sources: Official funding FAQ · Official funding process

When it may fit

Our assessment of the published programs

  • U.S. existing businesses comparing direct funding with marketplace offers.
  • Startup owners exploring a personal-credit-based SLOC/card route while understanding that another provider originates it.

What to weigh carefully

  • Direct funding and arranged products must be distinguished on each offer. SBA and SLOC/credit-card programs are expressly not direct Torro loans.
  • Advertised funding amounts, availability, collateral and fees depend on product and underwriting; no advertised outcome is guaranteed.
  • The footer identifies Torro Holdings, LLC and California finance lender/broker license 60DBO-91478 for California loans. Confirm the exact contracting entity on each agreement.

Questions before you accept an offer

  1. Which company will fund and contract for this offer?
  2. Is this a loan, receivables purchase, or credit-card/SLOC arrangement, and what are the full costs and payment schedule?
  3. What guarantees, liens, collateral and early-payment terms apply?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Kapitus

Compare Kapitus for business financing, confirming direct versus arranged program role and full costs.

OnDeck

Compare OnDeck for operating-business financing, checking eligibility, repayment schedule and total cost.

The lender

Type
Revenue based funder
Legal name
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Founded
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Charter
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Headquarters
Salt Lake City, Utah
Service area
The FAQ states availability to qualified businesses across all 50 U.S. states; confirm product-specific availability.
Meets in person
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Languages
Not yet provided Add it
Program approvals
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Also lends to consumers
Not yet provided Add it
Website
torro.com
LinkedIn
Company page

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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