Eligibility and application checklist

Merchant Cash Advance Requirements

Before applying, check the starting criteria and prepare accurate business information. Every application is subject to eligibility and underwriting.

Regium Funding’s starting criteria

These are starting criteria, not a complete statement of every underwriting condition. Contact us to confirm availability for your state, industry and circumstances. Any additional information needed will be discussed during the review.

How much can I request?

Regium Funding receives applications from $7,000 to $500,000. The amount available to your business may be lower than the amount requested and depends on underwriting. The application has no upper limit on reported monthly revenue: businesses with revenue above $250,000 per month can enter their actual figure.

Information to have ready

• Your name and business name.
• How long the business has operated.
• Your business email and contact numbers.
• Average monthly revenue and the amount you want to request.
• Three months of recent business bank statements.

Use consistent business details across the application and supporting documents. If revenue is seasonal or statements need explanation, discuss that with the team. Send bank statements only using the method provided by your funding specialist; do not paste bank-account information into a general contact form.

What happens after I apply?

Our team reviews the information and follows up about the next steps. Meeting the starting criteria does not guarantee funding, a particular amount, pricing or a decision time. Read any offer and agreement in full before making a commitment.

Questions to ask before accepting an offer

• How much cash will reach my business after all deductions?
• What is the total amount of receipts being purchased, and what other fees apply?
• How often are collections made, and what happens if revenue changes?
• How do I request reconciliation or an adjustment under this agreement?
• What guarantees, security interests, restrictions or default obligations apply?
• Does delivering receipts early change the amount owed?

Learn how the product works in our merchant cash advance guide, or compare MCA, factoring and other business funding. If anything is unclear, speak with our team before proceeding.