Last reviewed: October 2, 2026
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.
Summary verdict
Torro, LLC, based in Utah, describes itself as "a fintech direct funder, and a marketplace." It offers Startup Capital of $25,000 to $125,000 and Business Capital of up to $575,000. It says it is not the direct lender for its SLOC/credit-card program or SBA products (Torro). BBB lists Torro, LLC as accredited with an A+ rating (BBB). Several BBB complaints describe an upfront fee of about 10% tied to a credit-card-based funding program (BBB complaints).
Paper Grade: D paper
Torro says it can fund existing businesses with personal FICO scores as low as 400, and generally requires 600 for startups (Torro). Very low credit floors and startup funding put this at D paper. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 7.0 / 10 (reputation rank: tied #31 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for BBB accreditation (since October 23, 2015) with an A+ rating, +1 because BBB lists the business as incorporated in 2012 (BBB), and +1 because our searches of regulator sites, court records and news coverage turned up no regulator orders or court judgments in which it is a named party. A borrower's lawsuit against Torro (Wyldewood Cellars v. Torro, D. Utah) ended with summary judgment for Torro in 2025 (Court decision), and we do not score routine collection cases. Then −1 for recurring themes in 11 BBB complaints over three years, 7 of them billing issues, several describing fees of about 10% charged upfront for a credit-card funding program (BBB complaints). BBB customer reviews average 4.4/5 from 116 reviews, which earns no adjustment (BBB reviews). The total is 7.0.
About the Paper Grade: it reflects only the borrower profile and deal type the lender targets (stated credit, time-in-business and revenue minimums, and product type). It is not a judgment of the lender's quality. A = strong credit (about 625–650+), established businesses, APR-priced loans or lines. B = fair credit (about 600+), short-term or factor-rate products. C = credit about 500–599, younger businesses, MCA or revenue-based, or sales-based platform financing with no credit check. D = minimal credit requirements, very new businesses, stacked positions or high-risk industries. Lawsuits and regulator actions never change the Paper Grade.
About the Research-Based Reputation Score (1–10, half-points): it summarizes public signals and is not the opinion of MCAFax. Every lender starts at 5.0. Points are added for BBB accreditation and an A+ rating, years in business, strong Trustpilot ratings, and a clean record (no regulator orders or court judgments in which the lender itself is a named party). Points are subtracted for a BBB rating of C− or lower (−1), a BBB customer-review average below 2.5/5 (−0.5), recurring complaint themes (−0.5 to −1), and a pending class action (−0.5). Government actions are scored only when the lender itself is a named party: −1 for a settled action not about borrowers, −2 for a regulator consent order with a penalty and no admission, −3 for active enforcement or a final order about borrower treatment, and −5 for an industry ban or court finding of liability. The lowest score, 1.0, is reserved for lenders under an industry ban or a final fraud judgment. Ratings we could not read score zero, and routine collection suits are not scored. Every point applied to this lender is listed above. Ranks are as of the date shown; MCAFax cannot confirm or deny any allegation counted here.
At a glance
| Item | Details |
|---|---|
| Products | Startup Capital $25,000–$125,000; Business Capital up to $575,000 (Torro) |
| Credit | As low as 400 FICO for existing businesses; 600 generally for startups (Torro) |
| Model | Direct funder and marketplace; not the direct lender for SLOC/credit cards or SBA (Torro) |
| BBB | Torro, LLC: A+, accredited since 10/23/2015; 4.4/5 from 116 reviews; 11 complaints in 3 years (BBB) |
What borrowers and reviewers report
Positive themes: most BBB reviews are positive and praise speed to funding (BBB reviews).
Negative themes: BBB complainants and some reviewers report fees of 10–13% charged upfront for credit-card "0%" funding, and terms they say were not put in writing (BBB complaints, BBB reviews).
Reported concerns to plan around
These are allegations or reported experiences, not findings, unless a final order is cited.
- Credit-card funding fees: if you are offered funding through business credit cards, get the fee, the card issuers and the post-promotional APRs in writing before you pay anything (BBB complaints).
Who it may suit, and who may want to skip it
May suit: startups or low-credit owners who understand credit-card-based funding and its fees. May want to skip: anyone who wants a single loan with an APR disclosed upfront.
What to do next
Been contacted by Torro? Report the phone number or email that reached you, and sign up to block unwanted funding calls. → Report a number or email (https://mcafax.com/report?lender=torro)
Looking for funding? Tell us what you need, and we'll help you compare Torro with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=torro)
Sources (accessed October 2, 2026)
Torro homepage: torro.com
BBB profile, Torro, LLC: https://www.bbb.org/us/ut/holladay-ctwd/profile/small-business-loans/torro-llc-1126-90013393
Wyldewood Cellars, Inc. v. Torro, LLC, D. Utah 2025 (summary judgment): exa.ai
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.