Looking for non-CMRA virtual address

[kurosaki4d]

Hi Everybody,

I’m looking to setup a LLC in Wyoming. I'm a non-us resident.

In that process, I would like to use a non-CMRA virtual address for my online business.

By doing so, I can easily verify my business address thanks to that virtual office address, for example for the purpose of opening a bank account.

My question, is there one or a couple of virtual office companies with these criteria that you have tried that you can recommend to me?

Thank you

 

[JohnnyDoe]

You can pick any random address or an Airbnb. Most virtual offices are recognized as such and rejected.

 

[kurosaki4d]

You can pick any random address or an Airbnb. Most virtual offices are recognized as such and rejected.

Since most of those businesses disclose the complete addresses they're selling, is there any site where I can verify if those addresses are legit or not?

 

[JohnnyDoe]

Since most of those businesses disclose the complete addresses they're selling, is there any site where I can verify if those addresses are legit or not?

I don’t think that the databases used by banks are available for free

 

[kurosaki4d]

I don’t think that the databases used by banks are available for free

If there is a good reputable service to check those addresses against those databases, I'm willing to pay for it if necessary

 

[Forester]

Since most of those businesses disclose the complete addresses they're selling, is there any site where I can verify if those addresses are legit or not?

What do you mean by “legit”? Whether it is a virtual office or what?

I don’t think that the databases used by banks are available for free

They aren't (TBMK).

 

[kurosaki4d]

What do you mean by “legit”? Whether it is a virtual office or what?

By legit I mean "non-CMRA", that I can potentially open a bank account with and can easily be accepted by banks as a valid proof of business address.

 

[Forester]

By legit I mean "non-CMRA", that I can potentially open a bank account with and can easily be accepted by banks as a valid proof of business address.

Oh well.
In such a case be advised that using a commercial mail receiving agency is completely common in the US (and perfectly legit of course) – no sane bank says a word against. The problem that you can face is different: as @JohnnyDoe mentioned here https://www.offshorecorptalk.com/threads/looking-for-non-cmra-virtual-address.46356/post-325760, many banks and EMIs (not all) do not accept clients with just virtual offices, they want a (business) client to have a real office somewhere (and then you can use a CMRA to receive mail, e.g. to keep your workplace more private, this is not a problem).
So the task is either to choose a bank/EMI that accepts business clients with only a virtual office (a little bit difficult to find nowadays, I am afraid); or to rent some small office space (it can be a shared office) – somewhere on outskirts of Cheyenne it will cost a few bucks, I guess/hope. (Banks are well able to distinguish virtual offices, as mentioned.)

 

[kurosaki4d]

Oh well.
In such a case be advised that using a commercial mail receiving agency is completely common in the US (and perfectly legit of course) – no sane bank says a word against. The problem that you can face is differen

Thank you for your valuable insight. It makes a lot of sense.

Ok, i understand that banks for money laundering purposes they want real business addresses that are non-CMRA.

A great tool to verify if the address or not is Smarty verification tool

It can tell you if the address is a CMRA or not.

I'm trying various virtual offices, and most of them get flagged as CMRA. But only a few aren't recognized. I get messages like:

• Apartment or suite number not recognized
• Address does NOT currently receive USPS street delivery

Does that mean that they are non-CMRA?

Should i go with those?

And supposedly, if i find a non-CMRA business address, how can i prove that address to an EMI bank? Don't they ask for utility bills?

 

[Forester]

Thank you for your valuable insight. It makes a lot of sense.

Ok, i understand that banks for money laundering purposes they want real business addresses that are non-CMRA.

You are heavily misunderstanding, unfortunately. Re-read my previous post. Whether the address is CMRA or non-CMRA, it is not important, it does not matter. The challenge is that your office address – in many cases, not always – must not be a virtual office.

A great tool to verify if the address or not is Smarty verification tool

It can tell you if the address is a CMRA or not.

I'm trying various virtual offices, and most of them get flagged as CMRA. But only a few aren't recognized. I get messages like:

• Apartment or suite number not recognized
• Address does NOT currently receive USPS street delivery

Does that mean that they are non-CMRA?

Do not care about this.

Should i go with those?

No, you should not.

And supposedly, if i find a non-CMRA business address, how can i prove that address to an EMI bank? Don't they ask for utility bills?

They definitely will ask. As said, if a bank requests you to have a real office, you must go and rent some real space (even if AirBNB as @JohnnyDoe mentioned). Any virtual office is a no-go in such a case. Banks usually know what addresses belong to virtual offices and you are not well able to mask it.

 

[kurosaki4d]

They definitely will ask. As said, if a bank requests you to have a real office, you must go and rent some real space (even if AirBNB as @JohnnyDoe mentioned). Any virtual office is a no-go in such a case. Banks usually know what addresses belong to virtual offices and you are not well able to mask it.

Apologies for the miss confusion, i had that conviction because I read that many people successfully opened a mercury bank account with a virtual address.

But after more digging, I found something totally different, this is an actual physical business address that can provide you with utility bills, and can actually provide you with lease agreements.

Of course it's on the premium priced, but do you think this will also be rejected by banks?

https://www.virtualpostmail.com/pricing/trulease/

 

[JohnnyDoe]

Apologies for the miss confusion, i had that conviction because I read that many people successfully opened a mercury bank account with a virtual address.

This is possible with Mercury because they accept your personal residential address as the company’s operating address.

But after more digging, I found something totally different, this is an actual physical business address that can provide you with utility bills, and can actually provide you with lease agreements.

Of course it's on the premium priced, but do you think this will also be rejected by banks?

https://www.virtualpostmail.com/pricing/trulease/

It seems an overkill, and it might still not be accepted by banks.

 

[kurosaki4d]

This is possible with Mercury because they accept your personal residential address as the company’s operating address.

It seems an overkill, and it might still not be accepted by banks.

That's really great to know. Thanks

In the case of Wyoming LLC, they give only a "Statement of the Organizer" with EIN of course. Is that statement enough to open an EMI like Mercury?

 

[JohnnyDoe]

In the case of Wyoming LLC, they give only a "Statement of the Organizer" with EIN of course. Is that statement enough to open an EMI like Mercury?

I think you also need the operating agreement, but I’m not updated on the account opening process. In any case you should have this doc.

 

[kurosaki4d]

Thanks.

I hear that some people use for some services what's called "Article of Organisation", is that the same thing as "Statement of the Organiser" ?

 

[JohnnyDoe]

Thanks.

I hear that some people use for some services what's called "Article of Organisation", is that the same thing as "Statement of the Organiser" ?

No, they are different documents.

 

[12345]

You can check your address status on smarty.com
Some virtual office providers offer addresses that are not flagged. You can try to find one. Although it doesn't matter much in my opinion. I opened bank of america account with very well known and blatant registered agent address

 

[ilke]

You can check your address status on smarty.com
Some virtual office providers offer addresses that are not flagged. You can try to find one. Although it doesn't matter much in my opinion. I opened bank of america account with very well known and blatant registered agent address

30 or 32 North Gould Street, Sheridan?

 

[kurosaki4d]

Thank you very much

30 or 32 North Gould Street, Sheridan?

Haha, you're fast, it seems that one isn't flagged. Will that one work?

 

[ilke]

Thank you very much

Haha, you're fast, it seems that one isn't flagged. Will that one work?

It's not flagged but it's a bit of an infamous joke nowadays because this is the most used registered agent address in the country (only costs $25 per year).

Might be a bit better than CMRA addresses but it is associated with many bad (even criminal) or super-cheap businesses.

I guess that as others say, as long as it's not a CMRA, the address won't really matter because you are not based there nevertheless. So you can shoot your shot with any non-CMRA virtual agent and neobanks, or flying to the US and visiting physical banks. Otherwise, you'll probably spend hundreds on a virtual office with a lease agreement and it might not help.