Regal Cash Group

Regal Cash Group is a business funding provider that delivers the capital companies need to grow. Since 2018, we've helped businesses secure over $150 million through both our in-house funding programs and network of trusted lenders. From fast revenue advances to flexible credit lines and asset-backed loans, Regal offers direct funding with better rates or matches you with the right lender—with approvals in as little as 24 hours.

Regal Cash Group works by either providing direct in-house funding or matching your business with the right lender from our trusted network. You start with a simple one-page application, and within 24 hours we deliver tailored approvals. Our in-house options offer the best rates, while our lender partnerships ensure you get the specialized funding you need—all with transparent terms and fast processing.

Yes. Regal provides both in-house funding directly and partners with hundreds of trusted lenders for specialized needs. When we fund directly, you get our best rates. When your needs require specific expertise, we connect you with the right lender from our network—ensuring you always get the optimal funding solution for your business.

It's completely free to apply and see your funding options through Regal. You only pay if you accept a funding offer, and those fees come from the lender you choose, not from us. We're paid by our lending partners when they successfully fund a business.

Basic requirements vary by funding type, but generally you'll need:

• 6+ months in business
• $50,000+ in annual revenue
• 500+ personal credit score
• Valid business bank account

Some funding options like a Line of Credit may require higher credit scores (650+), while MCAs can work with scores as low as 500.

No — Regal Cash Group focuses on businesses that have been operating for at least a few months with consistent revenue. This helps us secure fair terms and fast approvals from our lending partners. If your business is still in the startup stage, we recommend revisiting us once you have steady revenue and some time in business.

We serve all legitimate industries including retail, restaurants, construction, healthcare, e-commerce, professional services, transportation, and manufacturing. Some industries may have more funding options than others, but we can help almost any legal business find funding.

Not necessarily. Many of our funding options don't require collateral, including:

• Merchant cash advances
• Line's of Credit
• Unsecured business loans
• Revenue-based financing

Equipment financing uses the equipment itself as collateral, which actually helps you get better rates.

Our initial application takes just 2 minutes to complete. We only ask for essential information needed to match you with lenders. If you decide to move forward with an offer, the lender may request additional documentation, which typically takes another 10-15 minutes to provide.

No! Regal uses a soft credit pull that doesn't impact your credit score. You can explore all your funding options worry-free. Hard credit pulls only occur if you formally accept a funding offer and move forward with a specific lender.

For the initial application, you just need basic business information. If you proceed with a funding offer, lenders typically request:

• 3-6 months of business bank statements
• Driver's license or ID
• Voided business check

We'll tell you exactly what's needed for your specific situation.

With Regal Cash Group, approvals can happen in as little as 24 hours, and many clients receive funding within 1–3 business days. Timing depends on the type of financing and the completeness of your application, but our streamlined process is designed to get you back to business fast.

Many businesses receive their first funding offers within hours of applying.

Regal Cash Group offers three main types of business funding:

• Business Credit – Revolving lines of credit and term loans with flexible repayment options.
• Revenue Advance – Merchant cash advances and credit card splits, tied to your daily sales, with fast approvals.
• Asset Loans – Equipment financing and real estate–backed loans for larger capital needs.

The amount of funding you can qualify for depends on your business type, revenue, credit profile, and the type of financing you choose. At Regal Cash Group, funding typically ranges from $10,000 up to $5 million.

• Business Credit – $25K to $250K
• Revenue Advance – $10K to $500K
• Asset Loans – $50K to $5M

Our team reviews your application and matches you with the best options, ensuring you get fair terms and the right amount of capital for your needs.

Rates and terms vary depending on the type of funding, your credit profile, and your business’s financials. At Regal Cash Group, here’s what you can typically expect:

• Business Credit – 7–25% APR, with revolving or fixed terms of 6–36 months
• Revenue Advance – 1.3–1.5x factor rates, with repayment terms of 3–18 months
• Asset Loans – 8–15% APR, with longer terms from 1–10 years depending on collateral

Yes — many of our clients combine different types of funding to maximize flexibility. For example, a business might use a revenue advance for fast working capital while also securing a line of credit for ongoing expenses, or pair an equipment loan with a commercial real estate loan. Our team helps structure the right mix so your financing works together without overextending your business.

Yes — Regal Cash Group works with businesses that have less-than-perfect credit. While traditional bank loans may require higher scores, options like revenue advances and certain asset-backed loans focus more on your sales or collateral than your credit history. Many of our clients qualify with credit scores as low as 550.

If you have strong revenue or valuable assets, you may still secure competitive terms even with lower credit.

We initially perform a soft pull on your personal credit to determine your options. Some funding types also consider business credit. Building business credit opens up more funding options with better terms—check out our guide on establishing business credit.

Don't worry—being declined by one lender doesn't mean you can't get funded. Different lenders have different criteria. Our platform connects you with 300+ funding sources, dramatically increasing your approval odds. Many Regal users get funded after being declined by their bank.

No personal guarantee is required typically.

Repayment depends on the type of funding you choose:

• Business Credit – Monthly or bi-weekly payments on your outstanding balance, similar to a traditional loan.
• Revenue Advance – A small percentage of your daily or weekly sales (or card transactions) goes directly toward repayment, so payments adjust with your revenue.
• Asset Loans – Fixed monthly payments over a set term, backed by equipment or real estate collateral.

Yes — in most cases, you can pay off your funding early. For traditional loans and lines of credit, early payoff can reduce the total interest you pay. With revenue advances, the factor rate is fixed, but paying early can improve your history with lenders and help you qualify for better terms next time. Our team will walk you through the specific payoff details for your funding option.

Many of our funding options are designed for different business realities. Always communicate with your lender if you anticipate payment challenges.

Regal never charges hidden fees. All costs are disclosed upfront before you accept any funding offer. Typical fees from lenders may include origination fees (1-5%), documentation fees, or UCC filing fees. We ensure you understand all costs before committing.

Absolutely. Regal uses bank-level 256-bit SSL encryption to protect your data. We're PCI compliant and follow all federal regulations for financial data protection. Your information is only shared with lenders you choose to work with, never sold to third parties.

Yes! We have thousands of verified reviews from funded businesses. You can read success stories on our testimonials page and see our 4.8-star average rating from over 10,000 businesses we've helped secure funding.

• Phone: (516) 447-5798

Yes! Our funding specialists can help you understand your options, improve your qualification profile, and choose the right funding type. This consultation is completely free with no obligation to accept any funding offers.