Regional Management Corp

Regional Management Corp. (NYSE: RM) is a diversified consumer finance company. It provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies and other lenders.

**Operations and products**
- It operates as "Regional Finance" online and through 354 branches in 20 U.S. states.
- Its loans are fixed-rate, fixed-term and fully amortizing, with equal monthly payments and no prepayment penalty.
- The portfolio is split between large loans (about 78.8% of net finance receivables, including auto-secured loans at 15.6%) and small loans (21.2%). Net finance receivables totaled $2.2 billion as of September 30, 2026.
- The company also earns insurance income and other income. Other income now includes marketing, processing and servicing fees from its bank partnership with Column N.A., a nationally chartered bank that has originated loans through Regional's branches since March 2026.

**Channels**
- Loans are sourced through branches, centrally managed direct mail, digital partners and the consumer website.
- End-to-end digital lending launched in July 2026.

**Funding**
The business is funded through a senior revolving credit facility, revolving warehouse facilities and asset-backed securitizations. Debt totaled $1.7 billion as of September 30, 2026. Updated Oct 28, 2026