TruFinCo Review: Startup-Friendly Loans With Steep “Success” Fees
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- Min. Amount
- $10,000
- Max. Amount
- $5,000,000
- APR
- Varies by loan type; starting at 0% introductory rate
Our verdict
Personalized funding help for small businesses and startups, with high loan limits — and potentially high fees.
TruFinCo is a financial services company that helps small businesses find funding. It offers access to a wide range of funding types, including no-doc loans for startups, with loan amounts up to $5 million. A 600+ credit score is needed for most loan types, but other options may be available if you don’t meet that requirement. While its only mentioned on the companies personal loan page, TruFinCo may charge a “success fee” up to 15% of the funded amount, which can significantly increase the cost of borrowing.
Best for: Small business owners with good credit who want one-on-one loan guidance.
Pros
-
Wide range of funding types
-
Offers options for startups, including no-doc business loans
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Funding up to $5 million+
Cons
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Good credit score required for most loans
-
Funding can take up to four weeks
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“Success fee” up to 15% may apply
Is TruFinCo legit?
TruFinCo appears to be a legitimate company that helps small business owners secure funding. According to the company website, TruFinCo has helped more than 500 businesses receive $120 million+ in funding.
Though it has no profile on Trustpilot or the Better Business Bureau (BBB), there are more than 100 reviews on its Google business page, where it has a 4.8-star rating overall.
There’s no information on the TruFinCo site about how it stores or protects customer data.
Watch our video review of TruFinCo:
What makes TruFinCo shine?
TruFinCo works with a network of partner lenders to offer a wide range of financing, including business loans, real estate loans and no-doc capital stacking. Borrowers can access up to $5 million — and even higher in some cases — with repayment terms of up to 25 years (depending on loan type). And even though TruFinCo specializes in funding small businesses, it also offers personal loans.
Requirements are somewhat flexible, too. Most lenders insist businesses meet certain criteria for time in business and revenue. But TruFinCo has no such requirement (on some loan types), which makes this a good option for startups. And while most loan options the company offers require you to have a credit score of at least 600, TruFinCo can help you repair your credit or find alternative options if it falls below that number.
TruFinCo also stands out for its customer service. Many past customers comment on how helpful its Finance Advisors are, often mentioning them by name and highlighting their patience, responsiveness and willingness to explain funding options in detail.
Where TruFinCo falls short
TruFinCo suffers from a lack of transparency regarding its fees and APRs. For example, a 15% “success fee” is mentioned on the personal funding page, but there’s no information about how much is charged for other funding types.
There’s also little discussion about how much loans cost. The only mention is on the capital stacking page, where it says you could get anywhere from “0% introductory rates on business credit cards to 6–19% for term loans and lines of credit.” APRs on other types of funding aren’t addressed, so it’s hard to know the cost of borrowing unless you speak to a Finance Advisor and complete the application.
It’s also difficult to verify the company’s reputation. TruFinCo is active on practically all major social media channels (TikTok, YouTube, Facebook, Instagram, etc.). However, it has no profiles on Trustpilot or the Better Business Bureau, which is where potential customers often go to read reviews, file complaints or confirm a company’s legitimacy. So, the lack of a presence is concerning.
TruFinCo loan details
| Loan amount | $10,000 to $5 million+ |
| Terms | Varies by loan type; up to 25 years |
| APR | Varies by loan type; starting at 0% introductory rate |
| Turnaround | From 24 hours to 4 weeks, depending on loan type |
| Minimum credit score | 600+ for most but varies by loan type |
| Other requirements | Be a resident of the US Have a government issued ID Be 18+ years old Other requirements vary by loan type May be required to provide proof of income |
| Fees | “Success fee” up to 15% may apply |
TruFinCo contact information
| Phone number | 888-691-4821 |
| Customer service hours | Weekdays 9 a.m. – 8:30 p.m. |
| info@trufinco.com | |
| X, formerly Twitter | @TruFinCo |
| @TruFinCo | |
| TikTok | @TruFinCo |
| @TruFinCo | |
| Youtube | @TruFinCo |
How to qualify for TruFinCo
The exact requirements vary depending on what type of loan you’re seeking, but here’s what you’ll typically need to qualify:
- Reside in the United States
- Have a government-issued ID
- Be at least 18 years old
- Have a credit score of 600+ (for some loan types)
- Provide proof of income (for some loan types)
If your credit score is below 600, TruFinCo may suggest alternatives or offer credit repair services.
How to apply
Applying with TruFinCo starts online and includes a brief consultation to help match you with the right funding option. Here’s how it works:
- Go to the TruFinCo website. Select the “Let’s Talk” button in the upper right corner of the homepage.
- Fill out the online form. Provide a few basic details, including your name, email address, phone number, estimated credit score and how you intend to use the funds.
- Schedule a call with a Finance Advisor. Once you submit the form, you’ll be prompted to pick a time for a quick phone consultation.
- Discuss your options. During the call, a Finance Advisor reviews your information and walks you through the types of funding you may qualify for.
- Choose your loan and complete the application. If you decide to move forward, TruFinCo connects you to a partner lender to finalize your loan application. This step likely includes a hard credit check and providing supporting documentation (tax returns, bank statements, etc.).
How TruFinCo compares to other lenders
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How we picked theseWhat is the Finder Score?
The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
TruFinCo reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | N/A |
| Customer reviews verified as of | 19 November 2025 |
TruFinCo doesn’t currently have a profile on either the Better Business Bureau or Trustpilot websites. The only place you can check reviews is on the company’s Google profile, where it has earned 4.8 stars out of 5 stars from 141 past customers.
Those who give the company five stars frequently compliment the excellent customer service, often calling specific Financial Advisors out by name. Several people who ultimately didn’t get approved still had high praise for the customer service team. Reviewers also mention how easy the process is, how much the funding helped their business and how quickly they received funds.
Complaints from unhappy customers include not getting funded, high fees, having to apply with different lenders (TruFinCo is a matching service, not a lender), hits to their credit from applying for funding and the process being more difficult than what they expected based on TikTok posts.
What do people on Reddit say?
Frequently asked questions
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Christi Finder
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