# Tillful: Build Business Credit — user reviews > 23 indexed App Store user reviews of Tillful by Flowcast Inc., rated 4.10/5 from 102 ratings. - Source: https://appshunter.io/ios/app/tillful-build-business-credit/id1559087185/reviews - App overview in markdown: https://appshunter.io/ios/app/tillful-build-business-credit/id1559087185.md - Rating breakdown: 5★ 76 · 4★ 1 · 3★ 2 · 2★ 1 · 1★ 22 ## Newest reviews (7 of 23) ### 1/5 — Pointless app *2022-11-09, version 4.1.0* I can’t pay my bill from the app or see anything from my card from the app **Developer response:** Hey there! Your Tillful Card app is separate from this main app. You'll have to log in to your Tillful Card app/dashboard on desktop. Make sure to click the "Card" tab on the drop down when you go to sign in on tillful.com. We know it's confusing, and we're working on a fix! Thank you for your patience. If you have questions, please reach out to us at card@tillful.com or call the number on the back of your card, and mention this review. ### 1/5 — Worst customer service *2022-11-06, version 4.1.0* I asked them if a business can have a different name on the virtual cards, wrote almost 10 emails. They replied but didn't answer my question. Instead just send me instructions on how to create the virtual card. Worst customer service ever, in any card! You are better off using other providers like Divvy. **Developer response:** Hey there! Thank you for your feedback. We are very sorry that this happened, and would like to help resolve your issue, as this does not live up to our standards of customer service. Please email us at card@tillful.com and mention this review. ### 1/5 — What about credit card insights? *2022-10-19, version 4.1.0* I’ve only have my account for a few weeks and I’m already very disappointed in this app and company. For starters, there is zero recognition that some users need insights into their Tillfull credit card usage. Everyone isn’t looking for just finding. How can you not even offer basic info like account balance through the app???? Also, I submitted a payment for my credit card 5 days ago and the payment is still “pending”. How?!? At this point, I’m planning to close this account after 6 months. **Developer response:** Hey there! Thank you for your feedback. At this time, the card app is separate from the Tillful iOS app. You can login to the Tillful Card app at card.tillful.com/. As for the pending payment, that doesn't sound right! Please call us at 1-877-TILLFUL or email us at card@tillful.com so we can help. ### 1/5 — A complete disappointment… *2022-04-20, version 3.1.0* I saw this app advertised and did a little digging. Trust Pilot rated them highly and as a business owner I thought why not. People seem to get pretty quick results. A few days after setting things up on the app I get a call from someone from the company. She ask me several questions and the first turn off was that their lenders would not consider my income from both business bank accounts even though they are connected to the same LLC. Then she told me that their lenders want weekly, bi-weekly or monthly payments to be paid back on short term loans. I said OK let’s see what they will approve the business for at this time. She said OK I’ll put it out there and see what we get back. Over a week has passed without a word. When I called back the number I could only leave a voicemail and they don’t seem to even identify the company in anyway on the voicemail box. I then went looking for any other number I could find and couldn’t find a customer service number. Reputable companies in my opinion don’t hide from customers. At this point I view this company as useless and of no help to small businesses. Seems like they are only interested in pushing their credit card when it’s released and many of their recommended lenders don’t want to deal with small any small business that is doing under 1/2 a million a year in income. Waste of time. 1 star is all I can give at this point in time. ### 1/5 — Problems logging in *2021-11-27, version 2.0.0* I signed up online however I cannot renter any information into the fields within the app **Developer response:** Thank you so much for being a Tillful user and for providing this feedback! This has been addressed and resolved in our most recent app update (version 2.1.0 on Dec 10, 2021). Please reach out to contact@tillful.com if you continue to have any more issues logging into the Tillful app and we will gladly assist you as soon as possible! -Amber ### 1/5 — Can’t sign up *2021-09-08, version 1.0.0* We get an error with “invalid sign up” before even being able to use the app. Latest version of iOS and newest iPhone. Form was filled out completely. **Developer response:** Hey there! Some users experience this issue when they already have an account, but are trying to sign up again. Please try logging in instead. If your forgot your password, you can request a forgot-password link. If the issue persists, please email support@tillful.com and we can work on getting you back in. ### 1/5 — Bad bad bad *2021-09-08, version 1.0.0* In order to see anything you must log in and give them access to your bank account information. They are not a lender and have NO reason to need that information. This is a fraud. **Developer response:** Hey Lucky Dog Clearance Shop! We totally understand your concerns and thanks for the feedback, but please know that no one takes user data, especially bank and financial data privacy, more seriously than the team at Tillful.  The reason why we prompt you to connect your bank data is to deliver value directly to you as the user and business owner and strictly for your and our users' benefits while ensuring the integrity, privacy and encryption of the data. Your Tillful score is never shared with any lender. It’s kept private and confidential at all times. We employ bank-level encryption to guarantee your security and privacy, so only you have access to your information. We partner with Plaid, the industry banking standard and leader in financial data privacy. Your data is only used to generate your Tillful Business Credit Score and analyze the financial health of your business so you have access to the most accurate, up-to-date, and helpful information for the purpose of increasing your business credit score profile, building business credit faster and receiving only the most relevant funding and matched card offers from our partners available exclusively to Tillful users. Please check out our Trustpilot reviews https://www.trustpilot.com/review/tillful.com and feel free to reach out to me at anytime with any other feedback directly at amber@tillful.com. We always want to hear from the small business community and see how we can help support business owners. ## Most critical reviews (10 lowest-rated) ### 1/5 — Possible scam *2023-08-02* I signed up for this to build business credit and paid to open a “builder” account, can’t access it.. keeps asking me to open one.. and apparently no one can answer emails. Not happy. Will be filing a complaint against this company. ### 1/5 — Disappointed *2023-07-19* I’m still waiting on Tillful to report back to business credit bureaus. I paid money for a product that isn’t delivering what it promised. ### 1/5 — Worst App Ever *2023-04-30* I keep getting a wrong password error every time I try to login. Although it’s the right password. I sent numerous requests to reset it and never received the email. I’ve also sent many email for assistance sometime they respond, sometimes not. And they take forever to respond. But they never resolve any issues. I signed up for Tillful about a year ago. I haven’t been able to get my Business credit score after countless attempts. And they haven’t sent any reports to the credit reporting agencies. Just a waste of time. This company is completely irresponsible and unprofessional. I’m beyond frustrated with the whole situation. ### 1/5 — Tillful IOS App doesn’t work = it FREEZES *2023-03-14* I just downloaded the Tillful IOS App & it doesn’t work = it FREEZES up and I can’t do anything but remove it upon “logging in” to it. **Developer response:** Hey there! Thanks for letting us know. We released a fix to this. If it still isn't working, please reinstall the app. If you're still experiencing issues, please email us at support@tillful.com. ### 1/5 — These people don’t even answer the phone *2023-03-09* I literally been calling and emailing for weeks and have not been able to contact any one.. this is sad, I not able to make payment to my card using the app. So I email and call to see if I could get help, so that my credit does not get damage but no luck at all. Literally I call and they say no one to answer your car no matter when I call. It’s crazy I am done, how are you handle on people money for not answer the phone **Developer response:** Hey there! Thank you for letting us know. It's come to our attention that there are some out of date numbers online. Please call the number on the back of your card and mention this review. ### 1/5 — Login issue *2023-03-04* I was never able to login using the app. Even if you try to reset password never get email to reset. However the website version worst Ok not best **Developer response:** Hey there! Thank you for bringing this to our attention. Our team is working on a fix. If you contact us through support and mention this review we can escalate this case. ### 1/5 — Poor *2023-02-22, version 5.1.1* Buggy payment system. Undependable billing and payments. Several over charges. And poor to zero customer service. ### 1/5 — Fast to take the money, Slow everything ELSE! *2023-02-16, version 5.1.1* I opened my account in November 2022. This has been the most frustrating experience. #1 - Tillful says “You will receive your card within five days of opening the account with a deposit” LIE! It took several emails, one call and over a month to FINALLY receive a card! #2 - Within the so called Tillful app, I applied for Experian Business credit score, one part says it was completed, and the big old circle in the middle of the app still says: “Application in Process…” that’s been since November of 2022! #3 - Extremely slow response from support by email! Extremely! #4 - I paid an additional deposit to increase the credit limit and although they took the funds the next day, it took them two weeks to apply it to my card! #5 - This is the straw that broke the camel’s back and has lost me as a customer… I pay my bills on time, I paid my bill to under 20%, they take the money right away, but on the app that you have to login in AFTER you open the Tillful app, two payments still says “processing”, yet, they processed the next bill which now says I owe a balance that I’ve already paid, that they’ve already taken and now it looks like I have a high utilization which affects my score/business or paydex. I’M DONE! Tillfull has had every chance to prove to me they are an upstanding business in the credit card industry and I can no longer tolerate slow motion service! I’m closing my account! I paid my bill on time but because Tillful takes several days/weeks to process a payment, it caused my account to look like I'm over the 30% usage because my payment isn't applied to my account yet! **Developer response:** Hello! Thank you for providing this feedback, and please know that it has been shared with our internal teams for further review as to why we weren’t able to provide you with the best possible experience we strive for with our Tillful Card holders. It appears the amount of time to receive your card was due to discrepancies our team encountered with requests for the name on your Tillful Card that were not allowed by our partner bank, leading to delivery of your physical card to exceed the standard 5-7 days after deposit has been made. **Please note: Tillful ships physical cards for free via USPS standard shipping, meaning sometimes it could take longer to receive your physical card. However, we are currently looking into ways in which we can possibly reduce the total time to receive a physical Tillful Card after deposits have been made, which are still affordable and faster than the current delivery time to better serve our cardholders and their overall experience. For the Experian score, we’re escalating this as this is not a normal timeframe. Our ACH transfer times are usually 3-5 business days. Please note that transactions are sometimes held by our partner bank. We are unfortunately not able to disclose why, but it seems you may have been affected by it. Finally, our iOS app does not currently have both the card and the score in it. We are working on a solution! More information and FAQs are available at our Help Center and regularly updated to reflect current policies and processes for the Tillful Card: https://help.tillful.com/card. You may also call the number on the back of your Tillful Card for additional Support needs ### 1/5 — Not working *2023-02-10, version 5.1.0* App is not working, it doesn’t let me create an account as it keeps demanding certain password requirements even if I fulfill all of them! ### 1/5 — Hustler *2022-12-17, version 4.2.2* Be careful!! I oponed an account, send the 15k security deposit and then I receive an email my account was been closed. After that I haven’t been able to get my deposit back, I already send emails and they are not helping!! Don’t send money to them, don’t trust this company be careful!!!! **Developer response:** Hey there! Thank you for your feedback. We've identified this as an issue with our card partner, and we're working on a fix. We're very sorry that you're experiencing these issues, and appreciate you bringing them to our attention. Please reach out to us at card@tillful.com and mention this review if you have any other questions - we want to make this right and will see what we can do. PS - please note your Tillful Card is separate from this main app. You'll have to log in to your Tillful Card app/dashboard on desktop. Make sure to click the "Card" tab on the drop down when you go to sign in on tillful.com. We know it's confusing, and we're working on a fix! Thank you for your patience. ## Most praised reviews (6 highest-rated) ### 5/5 — They are the best *2023-08-28* They are the best in scamming people. They are charging my account for 3 months $50 monthly. I have emailed them and no where to get them to stop. They are charging my card but no report on my credit report. They reply with a lot of run a round but don’t reimburse or stop charging me. I finally had to report it to my bank for them to block them. DONT waste your time with them. ### 5/5 — BSM *2022-08-24, version 4.1.0* Great program ### 5/5 — Informative *2022-01-18, version 2.2.0* Great way too see what type of direction your business in going in! I’m very pleased with the app. Look forward on better upgrades. ### 5/5 — Good app, looking forward to more development *2021-09-10, version 1.0.0* Good app, aggregates some of the larger online lenders, would be even better when they start to onboard some larger lenders with a funding platform right off the app. But overall good app for merchandising. ### 5/5 — Loving this App! *2021-09-10, version 1.0.0* Great to see my business credit score, and get updates on changes as my business grows! ### 3/5 — No or very slow connection to my bank account needed for verification *2021-11-20, version 2.0.0* I wasted approx 2 hours of my time trying to connect my Regions Business checking account to my Tillful account. Trying to let Tillful look into income, as they requested. It’s been almost a whole day and no comment from Tillful. **Developer response:** Hi Mr. JRB--We do sincerely apologize for your experience and also not being able to get back to you in the same day. There have been connection issues between certain financial institutions and our secure connection provider (Plaid), which we rely on to generate your Tillful business credit score. We emailed you with instructions on how you can disconnect and reconnect your bank account and hope that this issue has been resolved and that you've been able to generate your score. If you continue to experience issues, please reach out to us directly at support@tillful.com or amber@tillful.com. We are more than happy to make things right for you. We greatly appreciate you using Tillful and would love to continue to stay in touch for feedback so we can make the best experience possible for small business owners like yourself. -Amber --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*