Alliance vs Regus vs Davinci: Virtual Office 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 account and get rejected because your address is flagged as a commercial mail receiving agency (CMRA) in the USPS ZIP+4 database.

I went through this exact sequence with one of my US entities. The registered agent address sailed through formation. Banking was a different story.

A virtual office adds a staffed commercial location, phone number, and meeting rooms on top of a mailing address. That sounds like it should fix the banking problem. It usually doesn't.

Alliance Virtual Offices, Regus, and Davinci are the three largest providers. Here is how they compare for non-resident LLC founders, and where all three hit the same wall.

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

What does Alliance Virtual Offices include?

Alliance operates a partner-center model: the company does not own the buildings. Local operators run the centers, and Alliance aggregates them into a network of 1,400+ locations. The upside is no setup fee, no long-term contract, and the lowest starting price of the three.

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: No US SSN required. Alliance offers an online digital notary during checkout for USPS Form 1583 (required for all CMRA addresses), which removes the in-person notarization barrier that blocks many international applicants.

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

What does Regus / IWG include?

Regus owns its buildings. That is genuinely different from Alliance and Davinci, and it shows in the address quality. The trade-off: opaque pricing, a 6-month minimum contract, and add-on costs that stack up fast.

Regus does not publish pricing. You have to contact sales for a quote, and prices vary by building, city, and demand. Third-party sources estimate ~$69/mo for address-only and ~$179/mo for full virtual office (address + phone), 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: No US SSN required, and Regus actively markets to international businesses. But the brand recognition cuts both ways. Bank compliance teams know exactly what a Regus address means.

Limitations: No registered agent service. No public pricing makes comparison hard before you commit. The 6-month minimum means you are spending $414-$1,074 before you can even tell if the address works for your purposes.

What does Davinci Virtual Office Solutions include?

Davinci is the only one of the three that bundles registered agent service (all 50 states via Legalinc). If you want address, formation, and compliance through a single vendor, this is it.

Like Alliance, Davinci runs on 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 Legalinc partnership handles incorporation and registered agent service across all 50 states, with automated tracking for service of process and compliance deadlines. For a non-resident founder who wants one vendor for address + LLC + registered agent, Davinci is the only option here.

Same-day mail scanning at participating locations (documents digitized within one hour). Other add-ons include lobby directory listing, lobby greeter service, and meeting catering.

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?

Here is the part that virtual office marketing pages leave out: all three providers register as Commercial Mail Receiving Agencies (CMRAs) with USPS. Their addresses are flagged in the ZIP+4 database. Mercury, Relay, and Stripe check that database during KYC. None of the three can issue a lease agreement or utility bill in your business name.

Any entity receiving mail on behalf of third parties must 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 it during KYC.

What each platform rejects:

What banks actually accept: government ID, signed lease, utility bill (within 90 days), bank statement (within 90 days), proof of coworking occupancy (signed lease or invoice). This aligns with FinCEN Customer Due Diligence requirements. The key word is lease.

None of the three issue lease agreements. Alliance and Davinci do not control their buildings. Regus does, but it has confirmed it will not provide lease documentation for virtual office clients.

What address strategies actually work for non-resident banking?

The working approaches in 2026 all involve layered addresses: one for LLC registration and mail, another with lease documentation for banking KYC. No single service covers both.

Strategy 1: Coworking lease. A WeWork, Industrious, or local coworking membership at $200-400/mo gives you a real lease and sometimes a utility bill. Whether the address is CMRA-flagged depends on the specific location.

Strategy 2: Northwest Registered Agent virtual office. $29/mo gets you a real month-to-month office lease, a unique suite number in a commercial building, same-day digital mail scanning, and physical forwarding. The lease document is the differentiator. It can satisfy bank KYC where CMRA-flagged addresses cannot. Northwest also handles registered agent in all 50 states.

Strategy 3: Layer your addresses by purpose. This is what I do across my own entities:

• IRS filings (EIN, Form 5472): Registered agent or virtual office address works fine
• State LLC registration: Same — virtual office or registered agent
• Bank KYC: You need something with a lease (coworking, Northwest RA, or a residential address)
• Mail handling: Virtual office or virtual mailbox for scanning and forwarding

See the virtual mailbox comparison for mail handling and the banking comparison for account options.

How do the annual costs compare?

If banking KYC is your primary concern, the virtual office + coworking lease approach runs $588-828/yr plus $2,400-4,800/yr for the coworking space. Northwest at $348/yr includes the lease. That is not a marginal difference.

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

Alliance is for founders who want a US address fast with no commitment and plan to solve banking KYC separately. You already have a registered agent. You want to test an address before locking in.

Regus makes sense when you need meeting rooms across multiple cities or a recognizable brand for client-facing purposes. You are taking in-person meetings. You can absorb the premium.

Davinci is the one-vendor play: address, registered agent, and incorporation through a single relationship. Good if you are forming a new LLC and want fewer moving parts.

Northwest RA is the pick when banking KYC is the whole point. It includes a lease document that Mercury, Relay, and Stripe will accept, at the lowest total cost of any option here.

What this comparison does not address

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

• 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) gives you mail scanning, forwarding, and a mailing address. A virtual office ($49-300/mo) adds a staffed commercial address, phone number with live receptionist, and meeting room access. Both register as CMRAs with USPS. Both get flagged in the ZIP+4 database. The real difference is phone service and meeting rooms, not banking compatibility.

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

Probably not. Mercury requires a physical address that is not a PO box, virtual address, CMRA, mail center, or registered agent address. All three providers here are CMRA-registered. 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 inconsistent.

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

No. All three accept non-US applicants without an SSN. You will need USPS Form 1583 with two forms of government-issued ID. Alliance handles notarization online during checkout. For Davinci and Regus, check with the specific location whether remote notarization is available.

What is CMRA and why does it matter for banking?

CMRA stands for Commercial Mail Receiving Agency. Per the USPS Domestic Mail Manual, any business receiving mail on behalf of third parties (virtual mailboxes, virtual offices, UPS Stores, FedEx Office) must register as a CMRA. Registration flags the address in the national ZIP+4 database. Banks, Stripe, and marketplace platforms like Amazon query this database during identity verification. The flag is on the address, not on your business.

Which virtual office provider includes registered agent service?

Only Davinci, through Legalinc, offers registered agent service in all 50 states as part of its virtual office package. Alliance and Regus do not. Northwest Registered Agent comes at it from the other direction: primarily a registered agent that also offers virtual office service ($29/mo) with a lease document included.

Key Takeaways

• All three providers are CMRA-registered. Their addresses are flagged in the USPS ZIP+4 database that banks check during KYC.
• Alliance is the only one with true month-to-month terms and no setup fee (from $49/mo). Regus and Davinci both lock you in for 6 months.
• Davinci is the only one bundling registered agent service (all 50 states via Legalinc) with virtual office, making it the single-vendor formation + address option.
• None of the three issue lease agreements or utility bills. Mercury, Relay, and Stripe all want those documents. Virtual office marketing pages do not mention this.
• Northwest Registered Agent ($29/mo) includes a real lease document and costs less than any option here, though with fewer locations and no meeting rooms.

Related Reading

• Virtual Mailbox Comparison (2026) — mail scanning and forwarding without the phone or meeting rooms
• Mercury vs Wise vs Relay (2026) — which banks non-resident LLC founders can actually open
• Best State for LLC (2026) — Wyoming vs Delaware vs New Mexico costs
• Registered Agent Comparison (2026) — beyond Davinci's bundled offering
• Stripe Atlas vs Firstbase vs Doola (2026) — formation services with banking integration
• How to Form a US LLC as a Non-Resident (2026) — step-by-step formation process
• Business Account Freeze Diagnostic — single-bank dependency risk
• When Your Entity Map Doesn't Match Your Income Map — how address, entity, and banking 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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