Torro, LLC is a Utah-based business funding provider offering merchant cash advances and traditional business loan products, and it’s one of the more consistently well-reviewed names in the space — BBB-accredited since 2015 with an A+ rating and a 4.7/5.0 score across more than 90 BBB reviews, plus a 4.6/5.0 rating on over 690 Trustpilot reviews.
Rates and Terms
For Torro’s MCA product, factor rates range from approximately 1.15 to 1.45, with first-time borrowers typically seeing 1.25–1.45. The lower end of that range is generally reserved for applicants who can show at least 90 days of consistent monthly deposits above $10,000. For Torro’s traditional business loan product, the maximum APR is capped at 36%.
| Detail | Torro |
|---|---|
| MCA factor rate | 1.15 – 1.45 (first-time: 1.25–1.45) |
| Business loan max APR | 36% |
| Best rate qualifier | 90+ days, $10K+/mo deposits |
| BBB rating | A+ (accredited since 2015) |
| BBB review score | 4.7 / 5.0 (90+ reviews) |
| Trustpilot score | 4.6 / 5.0 (690+ reviews) |
| BBB complaints (12 mo) | 7 |
What Customers Say
Torro’s review profile is genuinely stronger than the MCA industry average — only 7 BBB complaints in the past 12 months against 90+ positive reviews is a notably low ratio. Positive reviews consistently highlight the customer service team specifically. That said, the negative reviews that do exist follow a familiar pattern across the MCA space: unexpected fees and inconsistent communication about approval status from some applicants.
Positive Trustpilot and BBB reviews “largely discuss the excellent customer service team,” while a minority of negative reviews report “unexpected fees” and “confusing conversations with customer service representatives.”
The Bottom Line
Torro’s review profile and BBB standing are above average for the MCA industry, and the factor rate range is competitive if you can show strong, consistent deposit history. As with any MCA offer, confirm the specific factor rate and any fees in writing before signing, and run the number through an APR-equivalent calculator to compare it against other offers.
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