At a Glance
Rating Breakdown
About Regal Capital
A law firm waiting 6 months for a settlement payout has a different cash flow problem than a pizza shop. A dental practice with 30-day insurance reimbursement delays has a different problem than a landscaper. Regal Capital gets that. Founded in 2014 in Philadelphia, the company has funded over $600 million exclusively to professional service businesses -- law firms, medical practices, dental offices, accounting firms, consulting agencies. The underwriting team evaluates deals through the lens of professional service cash flow: billing cycles, insurance reimbursement timing, project-based fee structures, accounts receivable aging. A PI firm with $2M in pending settlements is a very different risk profile than its bank statement alone would suggest. Regal structures advances around how professional firms actually get paid, not how a generic MCA algorithm thinks businesses should look. Advances up to $750K with factor rates starting at 1.12.
Key Features
Industry-Specific Underwriting
The underwriters specialize in professional services. They understand that a law firm's 90-day billing cycle is normal, not a red flag. They know dental insurance takes 30 days to reimburse. They evaluate your business the way it actually works.
Higher Advance Limits
Licensed professionals can qualify for up to $750K. The higher ceiling reflects the fact that a multi-doctor medical practice or established law firm has lower default risk than the typical MCA applicant.
Accounts Receivable Integration
If your firm has a predictable A/R pipeline -- pending settlements, outstanding insurance claims, billed-not-collected invoices -- Regal can factor that into the deal and offer better rates.
Practice Management Consulting
Funded clients get free access to practice management resources covering cash flow optimization, billing efficiency, and collections best practices. Actually useful, not just a PDF.
Confidential Funding Process
Professional firms care about discretion. Regal keeps the funding process confidential. No calls to your office, no mail that your staff would see, no public filings beyond the standard UCC-1.
How It Works
Professional Consultation
Talk to a funding specialist who already understands how law firms, medical practices, or accounting firms get paid. No explaining your billing cycle from scratch.
Document Submission
Upload 3 months of bank statements, proof of your professional license, and an A/R aging report if you have outstanding receivables.
Specialized Underwriting
Regal evaluates your application using criteria specific to your profession -- pending cases, insurance payer mix, billed-not-collected receivables, seasonal patient volume.
Funding & Structured Repayment
Accept the offer and get funded in 24-48 hours. Repayment is structured around your billing cycle, not a generic daily ACH schedule.
What They Do
- Merchant Cash Advance
- Professional Practice Financing
- Accounts Receivable Advances
- Working Capital
Debt Types They Take On
- Merchant Cash Advance
- Revenue-Based Financing
- A/R-Based Advance
- Working Capital
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Personal Injury Law Firm Bridge Funding
PI law firm in Philadelphia had $2M+ in pending settlements but needed $200K right now for operating costs -- rent, staff payroll, expert witness fees. Settlements were 6 months out.
Dental Practice Equipment Upgrade
Multi-location dental practice needed $150K for digital X-ray equipment and renovation. Insurance reimbursements taking 25-40 days meant cash flow was always unpredictable despite strong patient volume.
Pros & Cons
Pros
- Specialized underwriting for professional service businesses
- Higher advance limits up to $750K for qualified professionals
- Accounts receivable integration for more favorable terms
- Complimentary practice management resources
- Confidential funding process respecting professional discretion
Cons
- Limited to professional service businesses only
- Higher minimum advance amount of $10K
- Requires proof of professional license or certification
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Frequently Asked Questions
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Related Companies
Important Merchant Cash Advance Disclaimers
- A merchant cash advance is not a loan. It is a purchase of future receivables at a discount. Factor rates, not APRs, are used to express the cost of capital. Effective APRs on merchant cash advances can range from 40% to over 350% depending on the term and factor rate.
- Repayment is typically collected daily or weekly via automatic ACH debits or a percentage of credit card sales. This means your repayment amount fluctuates with revenue but withdrawals occur every business day, which can strain cash flow during slow periods.
- Most MCA agreements require a personal guarantee from the business owner. In the event of default, the MCA provider may pursue the owner's personal assets, including bank accounts and property.
- MCA providers commonly file UCC-1 liens against your business assets. This lien may prevent you from obtaining additional financing until the advance is fully repaid and the lien is released.
- Merchant cash advances are not regulated by federal lending laws such as the Truth in Lending Act (TILA). State regulations vary widely, and some states have limited consumer protections for MCA products.
- Stacking multiple merchant cash advances (taking a second advance before the first is repaid) significantly increases the risk of default and can lead to aggressive collection actions including confessions of judgment in some jurisdictions.
- Zogby does not provide merchant cash advances or business financing. We are an independent comparison service. We do not fund advances, process applications, or guarantee approval on your behalf.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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