R. Torre

What R. Torre does

Torro Holdings, LLC, operating as Torro (R. Torre), is a Salt Lake City-based alternative financial services provider founded in 2015 that delivers working capital and credit-based funding to U.S. small and medium-sized businesses, including pre-revenue startups that traditional banks decline. The company operates a dual model — functioning as both a direct funder and a marketplace aggregator connecting borrowers with more than 25 lenders — supported by a proprietary underwriting system, a proprietary client management system for partners, and a streamlined digital application that can deliver same-day approvals and funding.

The product stack covers nearly the full SMB capital spectrum: Startup Capital of $25,000-$125,000 for new businesses via Syndicated Lines of Credit/Credit Cards with 0% introductory APR periods, Business Capital up to $575,000 for established businesses, SBA Loans, Small Business Loans (fixed-term or open-ended), Accounts Receivable financing (up to 90% of invoice value within 24 hours), Equipment Financing, and Merchant Cash Advance. Credit accessibility is a deliberate positioning choice — qualifying FICO scores start as low as 400 for existing businesses and 600 for startups, and most programs are unsecured. The company is licensed under California Financing Law License No. 60DBO-91478 and holds BBB A+ accreditation.

Torro earns revenue through three streams: direct-lending interest and fees, referral and marketplace commissions routed to its 25+ lender partners, and a 10% service fee plus $399.95 origination charge on the SLOC/Credit Cards program. Distribution occurs through the torro.com self-serve application, a phone-based inside-sales team, and a partner channel of ISO, affiliate, and syndicated resellers that operate in all 50 U.S. states. The company runs four offices (Salt Lake City and St. George, UT; Philadelphia, PA; and Mesquite) and is described as bootstrapped and founder-owned with no disclosed venture or private-equity backing.

Name

R. Torre

Legal name

Torro Holdings, LLC

Website

https://torro.com

Company type

Private

Operating status

Operating

Short description

Torro (R. Torre) is a Salt Lake City-based fintech founded in 2015 that provides online funding and credit-based financing to U.S. small businesses and startups, operating as both a direct lender and a marketplace aggregator of 25+ lenders across all 50 states.

Ownership category

akta.pro rank

Product category

Small Business Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI), Bridge Loans & Emergency Short-Term Credit (FSAKAMAJ)

Keywords

• Small business lending
• Alternative financing
• Lender marketplace
• SMB working capital
• Business funding platform

Headquarters

HQ city

Salt Lake City

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. SLOC/Credit Cards Service Fees: Torro charges 10% of the total new credit card limits secured plus a one-time origination fee of $399.95 for their Syndicated Lines of Credit/Credit Cards program. This is a service-based program, not a loan product.
2. Referral/Marketplace Commissions: Torro acts as a referral partner to select direct lenders and as a marketplace aggregator of 25+ lenders. Revenue is generated through referral fees and potentially take rates on loans facilitated through the marketplace.
3. Direct Lending Revenue: As a direct funder, Torro provides working capital directly to businesses, earning interest income and fees on the loans they originate.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

R. Torre operates as an alternative financial services provider offering small business funding through two channels: a direct funding arm and an online marketplace that connects small business borrowers with a network of 25+ lenders. The company underwrites and originates capital directly while also routing applicants to third-party funding partners when a better fit is identified, functioning as both a principal lender and a multi-lender aggregator.

Product overview

Torro is an alternative financial services provider and fintech company that operates as both a direct funder and a marketplace connecting small businesses with over 25+ lenders. The company offers a comprehensive suite of financing solutions including Startup Capital ($25,000-$125,000) for new businesses, Business Capital (up to $575,000) for existing businesses, SBA Loans, Small Business Loans, Credit Cards/SLOC (Syndicated Lines of Credit), Accounts Receivable Financing, Equipment Financing, and Merchant Cash Advance. Torro serves multiple industries including Construction, Healthcare, Restaurants, Retail, and Trucking, providing unsecured financing solutions with no collateral requirements for most products. The company leverages proprietary underwriting systems and fintech tools to provide faster, more flexible funding compared to traditional lending institutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Direct Small Business Funding R. Torre's principal lending product, providing working capital and business funding originated and underwritten by the company itself, targeted at U.S. small businesses that need capital outside of traditional bank channels.
• Lender Marketplace (Multi-Lender Aggregation) An online marketplace that matches small business borrowers with 25+ third-party lenders, distributing applications to funding partners whose products best fit the applicant's profile when R. Torre is not the optimal funder.

Segments7 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lendio: Lendio operates an SMB loan marketplace connecting borrowers with multiple lenders, plus light direct lending. Directly comparable to Torro's marketplace aggregator model with similar underwriting flexibility and SMB focus.
• OnDeck (Enova): OnDeck provides online working capital and term loans to small businesses, similar to Torro's Business Capital and Small Business Loan products. Comparable direct SMB online lender with proprietary underwriting.
• BlueVine: BlueVine offers invoice factoring and lines of credit to SMBs, directly overlapping with Torro's Accounts Receivable financing and Business Capital products. Both target underserved SMBs with fast digital onboarding.
• Fundbox: Fundbox provides invoice-based financing and working capital lines to SMBs. Comparable to Torro's AR financing and small business lending offerings for B2B companies with receivables.
• CAN Capital: CAN Capital specializes in working capital and merchant cash advances for SMBs, mirroring Torro's Merchant Cash Advance product line. Both serve businesses with limited access to traditional bank financing.
• Rapid Finance: Rapid Finance provides SBA loans, merchant cash advances, and small business funding products. Directly comparable to Torro's SBA Loans and MCA offerings with similar customer base.
• Currency: Currency (formerly Biz2Credit) provides SMB lending including SBA loans, working capital, and lines of credit. Comparable to Torro's SBA and Business Capital products with similar SMB focus.
• Credibly: Credibly offers working capital loans, merchant cash advances, and SBA loans to small businesses. Directly comparable to Torro's MCA, business capital, and SBA loan products.
• National Funding: National Funding provides small business loans, equipment financing, and merchant cash advances. Comparable to Torro's Equipment Financing and Business Capital offerings with similar SMB customer profiles.

Emerging players

• SmartBiz: SmartBiz is an SBA loan marketplace and direct lender for small businesses. Comparable marketplace+direct lending model but with SBA specialization, narrower than Torro's broader product suite.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/torrofunding
• LinkedInlinkedin.com/company/torrofunding
• Instagraminstagram.com/torro_funding

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about R. Torre