Working Capital Made Easy
Overview
Torro stands at the forefront of the alternative finance sector, leveraging innovative solutions to meet the diverse funding needs of consumers and businesses. For investors, this only enhances potential returns but also fosters greater financial inclusion and flexibility for investors seeking to diversify their portfolios.
Welcome!
Torro is a pioneering leader in alternative finance, offering innovative solutions that empower investors to access diverse opportunities outside traditional financial systems. Investing will lead to robust growth but also positions Torro to capitalize on emerging trends in a rapidly evolving financial landscape.
Reasons to Invest:
- Market Demand: Torro operates in the growing industry that is alternative financing, this results in increased revenue and customer acquisition.
- Innovative Technology: Cutting-edge technology and services that differentiate us from competitors, our streamlined process is what sets us apart!
- Strong Leadership: Our management team with a proven track record can drive the company’s vision and strategy, instilling confidence in investors regarding its future success.
The problem
For the average business owner, obtaining a bank loan can be a daunting and often frustrating process. Many banks impose stringent requirements, including excellent credit scores, detailed financial statements, and lengthy business plans, which can be challenging for small or newer businesses to provide.
Additionally, with average approval rates for business loans at major banks falling below 5% and turnaround times stretching to 90 days, can hinder a business's ability to respond quickly to urgent financial needs.
As a result, many entrepreneurs find themselves facing significant barriers that limit their access to traditional funding sources, making it difficult to secure the capital necessary for growth and sustainability.
Torro is passionately dedicated to transforming the traditional business loan process, streamlining access to capital and empowering entrepreneurs with faster, more flexible funding solutions.
The Opportunity
Big banks/hedge funds/investment companies take your money and invest into loans to consumers, businesses, stocks, even companies like Torro.
We are cutting out the middle men that are big banks and hedge funds and providing direct investments with the same returns.
With strategic investments, Torro can experience revenue increases of up to 40%, driving growth and enhancing overall financial performance.
Our Solution
The solution is alternative financing! With Torro's expertise in the alternative finance space we are the fastest growing MCA company!
What is an MCA?
MCA stands for merchant cash advance, which by definition is the purchase of future receivables by a discounted rate. Receivables are defined as any payee to a business. Merchant cash advance loans are shorter term, where the average term is 4 months, with an average funded amount of $23,000. Business owners are obligated to pay back the loans on a daily basis until paid in full.
Why would a business owner choose an MCA over traditional bank loans?
- Speed of Funding: MCAs typically offer faster approval and funding processes compared to bank loans, making them ideal for businesses that need quick cash to seize opportunities or cover urgent expenses.
- Flexible Repayment: MCAs allow repayments to fluctuate based on daily sales, which can ease the financial burden during slower sales periods. This is especially helpful for businesses with seasonal revenue.
- Less Stringent Qualification: MCAs are often more accessible for businesses with less-than-perfect credit or limited credit history, as they focus on cash flow rather than credit scores.
- No Collateral Required: Unlike many bank loans, MCAs generally do not require collateral, reducing the risk for business owners who may not have substantial assets to secure a loan.
- Simplicity: The application process for an MCA is usually more straightforward and requires less documentation than traditional bank loans, which can be appealing for busy business owners.
Our Traction
Business owners rely on Torro for fast capital, Torro offers same day approvals, same day funding, with limited credit restrictions.
Torro focuses its decision making on the financial strength of the business by a technology driven team of seasoned underwriters, credit professionals, and billing specialists.
Since founding in 2015 with this process, Torro has been able to successfully fund more than 10,000 businesses nationwide totaling up to over $10 million in revenue.
Our Team
Torro was rooted by Cameron Montgomery, Cameron's profound understanding of our industry and a relentless drive for innovation has steered us through challenges and towards grand success.
This strategic guidance and deep industry knowledge provide insights that empower our team and partners with confidence.
Funding
We have successfully raised $2.5 million in investments like yours over the last year with more than half of our investors renewing at 8%.
On top of this our owners, sales partners, etc. syndicate in this pool that goes towards the fundings.
See below the graph showing our previous investor's return in dollar amounts.
Use of Funds
Your investment will be pooled with others like you to provide funding amounts to merchants from $10,000.00-$150,000.00!
We are looking to raise $124,000.00 within 90 days with a goal to increase continually over the span of 12 months!
Return on Investment
Our current investment process has proven highly successful, enabling us to effectively identify and capitalize on lucrative opportunities while delivering solid returns for our stakeholders. By leveraging data-driven insights and a robust network of industry connections, we have streamlined our approach to investment, ensuring that each decision is well-informed and strategically aligned with market trends. As we continue to see positive outcomes, we are now raising additional capital to scale our operations further, enhance our portfolio, and seize even more promising investment opportunities, ultimately driving greater value for our investors.
We are projecting to hold your investment for 18 months, with 8%-10% return on a quarterly basis!
(See graph above for reference)
See below for testimonies from other investors like you!
"I've been investing with Torro for about 5 years now and am delighted with my investment choice. It's easy to get in touch with someone if you have questions, the return rate is excellent and I feel like I'm "in charge" of my investment future in positive ways. Thanks, Torro, for all you do to assist me in my retirement planning! -Kathy"
Join us in shaping the future of finance and unlocking unparalleled growth opportunities! Invest with us today to be part of a dynamic and innovative journey that not only aims for strong returns but also fosters financial inclusion and empowerment.
Let’s build a successful tomorrow together!