Alliance vs Regus vs Davinci: Virtual Office for Non-Resident LLC (2026)

You form your LLC in Wyoming. You use a registered agent for the filing address. The state accepts it. The IRS accepts it for your EIN. Then you apply for a Mercury bank account — and get rejected because your address is flagged as a commercial mail receiving agency (CMRA) in the USPS ZIP+4 database.

The registered agent address worked for formation. It does not work for banking. A virtual office — a staffed commercial location with a business address, phone number, and meeting rooms — is the next step up. But not all virtual offices solve the banking problem either.

Alliance Virtual Offices, Regus, and Davinci Virtual Office Solutions are the three largest providers. Here is how they compare for non-resident LLC founders, and where all three share the same structural limitation.

How do Alliance, Regus, and Davinci compare on price and features?

Alliance starts at $49/mo with no setup fee. Davinci starts at $50/mo with a $150-200 setup fee. Regus hides pricing behind a sales process, with third-party sources estimating $69-179/mo plus a $99 setup fee. All three provide a commercial business address and mail handling. The differences are in contract terms, phone service, and meeting room access.

What does Alliance Virtual Offices include?

Alliance provides a commercial business address starting at $49/mo with no setup fee and no long-term contract — the only major provider offering true month-to-month terms. The Platinum Plus plan adds up to 16 hours of meeting room time per month. Live receptionist service starts at $125/mo for 50 minutes of call answering.

Alliance operates a partner-center model: the company does not own the buildings. Local office operators run the centers, and Alliance aggregates them into a single network of 1,400+ locations.

Pricing tiers:

City-specific pricing varies: NYC addresses start at $48/mo, Los Angeles at $60/mo, San Francisco at $79/mo. Secondary markets are cheaper.

For non-resident founders: Alliance does not require a US SSN to sign up. The company offers an online digital notary during checkout for USPS Form 1583 completion (required for all CMRA-registered addresses). This removes the in-person notarization barrier that blocks many international applicants.

Limitations: No registered agent service — formation and registered agent are separate purchases from other providers. Annual contracts save 15-25% but come with early termination fees. The partner-model means service quality varies by location.

What does Regus / IWG include?

Regus operates the largest network (4,000+ locations worldwide) and owns its buildings, which gives addresses a more established commercial appearance than partner-model providers. The trade-off is opaque pricing, a 6-month minimum contract, and add-on costs that compound quickly.

Regus does not publish pricing. The website requires contacting sales for a quote, and prices vary by building, city, and demand. Third-party comparison sources estimate the business address tier at ~$69/mo and the full virtual office (address + phone) at ~$179/mo with a $99 setup fee.

What's included (Virtual Office tier):

• Business address at a Regus-branded commercial building
• Mail handling: signed-for, stored, forwarding (weekly or monthly)
• Mail scan-to-email (digital delivery)
• Discounted meeting room and coworking access across the global network
• Community networking events

What costs extra:

• Live call answering (available in select markets, pricing not published)
• Meeting room hours beyond included allocation
• Private office days (Virtual Office Plus tier adds 5 days/mo)

For non-resident founders: Regus explicitly markets to international businesses and does not require a US SSN. The brand recognition is a double-edged sword: Regus addresses are widely known as virtual office addresses, and bank compliance teams have Regus locations in their databases.

Limitations: No registered agent service. No publicly available pricing makes cost comparison difficult before commitment. The 6-month minimum contract means a minimum spend of ~$414-$1,074 before you can evaluate whether the address serves your needs.

What does Davinci Virtual Office Solutions include?

Davinci is the only major virtual office provider that bundles registered agent service (all 50 states via Legalinc), making it a one-stop option for address + formation + compliance. Base pricing starts at $50/mo with a $150-200 setup fee and a 6-month initial term. The platform includes same-day mail scanning at some locations.

Davinci, like Alliance, operates a partner-center model. The company is part of The Instant Group, which also operates Instant Offices and Coworker.

Pricing tiers:

Location-specific pricing examples: Fashion District DTLA $73/mo, Hollywood $94/mo, El Segundo (LAX area) $164/mo.

The registered agent differentiator: Davinci partners with Legalinc to offer registered agent and incorporation services in all 50 states. The automated platform tracks service of process, official notifications, and compliance deadlines. This makes Davinci the only provider where a non-resident founder can get a business address, register an LLC, and maintain a registered agent through a single relationship.

Additional features: Lobby directory listing (add-on), lobby greeter service, meeting catering. Same-day mail scanning at participating locations — documents are digitized and uploaded to the online portal within one hour.

Limitations: The $150-200 setup fee and 6-month minimum make the entry cost higher than Alliance. Meeting rooms are add-on only (not included in any plan). After the initial 6-month term, the contract converts to month-to-month.

Why does no virtual office solve the banking problem?

All three providers — Alliance, Regus, and Davinci — register as Commercial Mail Receiving Agencies (CMRAs) with USPS. CMRA addresses are flagged in the USPS ZIP+4 database. Mercury, Relay, and Stripe automatically check this database during KYC and reject flagged addresses for account verification. None of the three providers can issue a lease agreement or utility bill in the business name.

This is the structural limitation that formation guides and virtual office marketing pages do not explain.

The CMRA problem works like this: any entity that receives mail on behalf of third parties is required to register as a CMRA with USPS (DMM Section 508.1.8). Registration flags the address in a national database. Banks, payment processors, and marketplace platforms query this database during Know Your Customer (KYC) verification.

What each platform rejects:

Verification documents banks accept: government ID, signed lease agreement, utility bill (within 90 days), bank statement (within 90 days), proof of coworking occupancy (signed lease or invoice). The key word is lease — a document showing ongoing tenancy at a physical location.

None of the three virtual office providers issue lease agreements. Alliance and Davinci operate partner models (they don't control the buildings). Regus owns its buildings but has confirmed it does not provide lease documentation for virtual office clients.

What address strategies actually work for non-resident banking?

The working strategies for 2026 involve layered addresses: a virtual office for LLC registration and mail handling, plus a separate physical address with lease documentation for banking KYC. No single service solves both needs for non-resident founders.

Strategy 1: Coworking lease. A WeWork, Industrious, or local coworking membership at $200-400/mo provides a real lease agreement and sometimes a utility bill. The address may or may not be CMRA-flagged depending on the specific location.

Strategy 2: Northwest Registered Agent virtual office. At $29/mo, Northwest provides a real month-to-month office lease, a unique suite number in a commercial building, same-day digital mail scanning, and physical forwarding. The included lease document is the differentiator — it can satisfy bank KYC requirements that CMRA-flagged addresses cannot. Northwest also offers registered agent services in all 50 states.

Strategy 3: Structured address approach. Use different address types for different regulatory purposes:

• IRS filings (EIN, Form 5472): Registered agent or virtual office address (both work)
• State LLC registration: Virtual office or registered agent address (both work)
• Bank KYC: Address with lease documentation (coworking lease, Northwest RA lease, or residential address)
• Mail handling: Virtual office or virtual mailbox (for scanning and forwarding)

The virtual mailbox comparison covers the mail handling layer. The banking comparison covers account options. This article covers the address layer that sits between them.

How do the annual costs compare?

Alliance is the cheapest for address-only service ($588/yr with no setup fee). Davinci is the most expensive entry point ($750-800 first year including setup). Regus falls between them but the hidden pricing makes exact comparison difficult. Northwest Registered Agent at $348/yr with a lease included is the cost leader for founders who need banking-compatible documentation.

If banking KYC is the primary use case, the virtual office + separate coworking lease approach costs $588-828/yr (virtual office) plus $2,400-4,800/yr (coworking). The Northwest RA approach costs $348/yr and includes the lease. The cost difference is significant.

Which virtual office fits which type of non-resident founder?

Alliance fits founders who want a US business address with maximum flexibility (month-to-month, no setup fee) and plan to handle banking KYC separately. Davinci fits founders who want a single provider for address + registered agent + formation. Regus fits founders who need meeting rooms or a globally recognized brand for client-facing purposes.

Choose Alliance if: You need a US business address quickly with no commitment. You already have a registered agent. You want to test an address before committing long-term. You are cost-sensitive and don't need meeting rooms.

Choose Regus if: You need meeting room access across multiple cities. Your clients visit your office or you take in-person meetings. You want a globally recognized brand on your address. You are willing to pay a premium for the building quality.

Choose Davinci if: You want address + registered agent + incorporation through one provider. You need same-day mail scanning. You are forming a new LLC and want to minimize the number of vendor relationships.

Choose Northwest RA if: Banking KYC is your primary concern. You need a lease document for Mercury, Relay, or Stripe applications. You want the lowest total cost for address + registered agent + banking documentation.

What this comparison does not address

This comparison covers virtual office providers for LLC registration and business address purposes. It does not address:

• Tax implications of having a business address in a specific state — see the state LLC comparison
• Registered agent selection beyond Davinci's bundled offering — see the registered agent comparison
• Virtual mailbox services for mail scanning and forwarding without phone or meeting rooms — see the virtual mailbox comparison
• Banking account selection — see the Mercury vs Wise vs Relay comparison
• LLC formation process — see the formation guide

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FAQ

What is the difference between a virtual office and a virtual mailbox?

A virtual mailbox ($10-50/mo) provides mail scanning, forwarding, and a mailing address. A virtual office ($49-300/mo) adds a staffed commercial business address, phone number with live receptionist, and on-demand meeting room access. Both register as CMRAs with USPS. Both addresses are flagged in the ZIP+4 database. The functional difference is phone service and meeting rooms, not banking compatibility.

Can I use a virtual office address to open a Mercury bank account?

Mercury's application requires a physical address that is not a PO box, virtual address, CMRA, mail center, or registered agent address. All three major virtual office providers (Alliance, Regus, Davinci) are CMRA-registered, and their addresses are flagged in the USPS database that Mercury checks during verification. Some founders report success using a virtual office as the legal address while providing a separate physical address for the "where does your team work" field, but this is not a reliable path.

Do I need a US SSN to get a virtual office?

No. Alliance, Regus, and Davinci all accept non-US applicants without a Social Security Number. All require USPS Form 1583 completion with two forms of government-issued ID. Alliance offers online digital notarization during checkout. Davinci and Regus may require separate notarization arrangements — verify with the specific location whether remote or online notarization is available for international clients.

What is CMRA and why does it matter for banking?

CMRA stands for Commercial Mail Receiving Agency. Any business that receives mail on behalf of third parties (virtual mailboxes, virtual offices, UPS Stores, FedEx Office) is required to register as a CMRA with USPS. CMRA registration flags the address in a national database (ZIP+4). Banks, payment processors (Stripe), and marketplace platforms (Amazon) query this database during identity verification and may reject applications using CMRA-flagged addresses. The flag is on the address itself, not on the business using it.

Which virtual office provider includes registered agent service?

Only Davinci, through its partnership with Legalinc, offers registered agent service in all 50 states as part of its virtual office relationship. Alliance and Regus do not offer registered agent services. Northwest Registered Agent operates in the opposite direction — it is primarily a registered agent that also offers virtual office service ($29/mo) with an included lease document.

Key Takeaways

• All three major virtual office providers (Alliance, Regus, Davinci) are CMRA-registered, and their addresses are flagged in the USPS ZIP+4 database that banks check during KYC verification.
• Alliance is the only provider offering true month-to-month terms with no setup fee (from $49/mo). Regus and Davinci both require 6-month minimum commitments.
• Davinci is the only major provider bundling registered agent service (all 50 states via Legalinc) with virtual office service, making it a one-stop formation + address solution.
• None of the three providers issue lease agreements or utility bills — the documents that Mercury, Relay, and Stripe accept for address verification. This is the structural limitation that virtual office marketing does not disclose.
• Northwest Registered Agent ($29/mo) includes a real month-to-month lease document, making it the lowest-cost option that can satisfy bank KYC requirements — though with fewer locations and no meeting room access.

Related Reading

• Anytime Mailbox vs iPostal1 vs Traveling Mailbox: Virtual Mailbox Comparison (2026) — mail scanning and forwarding without phone or meeting rooms
• Mercury vs Wise vs Relay: Business Banking for Non-Residents (2026) — which bank accounts non-resident LLC founders can actually open
• Best State for LLC: Non-Resident Guide (2026) — Wyoming vs Delaware vs New Mexico annual costs and structural differences
• Northwest vs ZenBusiness vs Bizee: Registered Agent Comparison (2026) — registered agent selection beyond Davinci's bundled offering
• Stripe Atlas vs Firstbase vs Doola (2026) — formation service comparison including banking integration
• How to Form a US LLC as a Non-Resident (2026) — step-by-step formation process
• Non-Resident Banking: Structural Fragility — why single-bank dependency creates structural risk
• When Your Entity Map Doesn't Match Your Income Map — how address, entity, and banking relationships connect

References

• USPS Domestic Mail Manual, Section 508.1.8 — CMRA registration requirements and Form 1583 obligations
• Mercury: Supported Documents for Address Verification — address verification requirements for business accounts
• FinCEN Customer Due Diligence Final Rule (81 FR 29397) — beneficial ownership and address verification requirements
• 31 C.F.R. § 103.121 (USA PATRIOT Act) — bank customer identification program requirements
• Alliance Virtual Offices — pricing, plans, and location network
• Davinci Virtual Office Solutions — pricing, receptionist plans, and Legalinc partnership
• Regus / IWG — global virtual office and coworking network

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