At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
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
User Reviews (14)
confidential process meant my staff never knew
I didn't want my office staff knowing about the MCA. Regal handled everything through my personal email and cell. No mail to the office, no calls to the front desk, no one showed up asking questions. $100K at 1.18 for equipment. The discretion matters in a medical practice where staff gossip travels fast.
second advance with improved terms based on first repayment
First advance $100K at 1.20. Paid back on schedule, no issues. Second advance: $175K at 1.14 with reduced origination fee. They reward good repayment history with real improvements. My dental practice has had a smooth experience across both rounds. Only complaint is funding took 48 hours both times -- not same-day.
professional services focus means zero wasted time explaining my business
CPA firm with 12 partners. Regal already knew that our receivables spike after tax season, that retainer clients pay monthly while project clients pay upon completion, and that our A/R aging over 60 days is normal for the industry. I didn't have to explain any of this. $175K at 1.16 with repayment matched to our billing cycle. The person who handled our deal, Amanda, had clearly worked with accounting firms before.
project-based revenue is not a problem for regal
My consulting firm has feast-or-famine cash flow. Big project pays $200K, then nothing for 2 months, then another big project. Most MCA providers see the gaps and panic. Regal understood project-based billing and sized the advance to my pipeline, not just my bank statement. $120K at 1.20. They get how professional services actually work.
great for professionals but completely useless for restaurants
Tried to apply for my restaurant. Regal said no -- they only do professional services. Law firms, dentists, doctors, CPAs. Fine, but their marketing should make this WAY more obvious. I spent 30 minutes on their website and filling out an application before finding out my restaurant doesn't qualify. Wasted time for both of us.
finally an MCA provider that understands law firm cash flow
PI firm. We have $3M in pending settlements but those take 8-18 months to resolve. Meanwhile payroll is due every two weeks, expert witness fees are due NOW, and the bank looks at our monthly deposits and sees inconsistency. Regal looked at our case pipeline and pending settlements as part of the underwriting. $250K at 1.14. Every other MCA funder I talked to quoted 1.28+ because they only saw the bank statements.
practice management resources were actually useful
Most "free resources" from funders are garbage PDFs. Regal's practice management materials are actually written by people who understand law firm operations. The billing efficiency guide helped me reduce my A/R aging from 75 days to 45 days. That alone was worth more than the cost of the advance. $180K at 1.16.
minimum $10K advance excludes small one-time needs
My chiropractic office just needed $6K for a new adjustment table. Regal's minimum is $10K. I didn't want to borrow $10K when I only needed $6K. Ended up going elsewhere for a smaller advance. The $10K floor makes sense for law firms and medical practices but locks out smaller professional offices with modest needs.
specialized in professionals only which limits referrals
My accounting friend loved Regal Capital. I'm a general contractor -- not a professional service business. Regal told me upfront they only fund law firms, medical practices, dental offices, accounting firms, and similar. I respect the focus but I had to find a different funder. This review is to save other non-professional-service businesses the phone call.
high max advance of $750K is impressive for an MCA
My friend's multi-location medical practice needed $500K. Most MCA providers cap at $250K-$350K. Regal goes up to $750K for qualified professionals. The higher ceiling reflects lower default rates among licensed professionals. She got $500K at 1.15 and the repayment was structured around insurance payment cycles. Impressive.
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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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