Funded By Us. Not Brokered Out.

We fund the businesses
banks walk past.

Estate Liquidators of Red Bank funds operating businesses directly from our own balance sheet — no brokers, no syndication, no middle layer. Straightforward terms, fast decisions, and a team that stays with you from approval through payoff.

Apply Now How It Works

◆ Same-day decisions · In-house capital · Direct underwriting

Approved
$150,000
Wired in 24 hours
Factor Rate
1.19
Direct pricing
Direct
Funder Status
In-House
Underwriting
24 Hrs
Avg. Time to Fund
Same-Day
Decisions

The Hidden Cost of Layered Funding

Is the capital coming from your funder — or from somewhere else?

📊
Pricing buried in factor rates and side fees that only surface at signing
🔄
One-size programs that ignore your industry, your seasonality, and your runway
⏳
Endless rounds with intermediaries who can't speak for the actual funder
📵
Silence after the wire clears — no analyst to call, no team that knows your file

Capital should clear the runway,
not become the obstacle.

Estate Liquidators of Red Bank underwrites and funds from our own capital. Clear pricing, structures shaped to your operation, and one team that knows your account from the application through final payment.

Direct. Period.

How It Works

Three steps. One funder.

Application to wire — a process built around your timeline, not a chain of intermediaries.

01
Step One
Apply
Send a quick application and your last few months of business bank statements. Roughly five minutes. No hard pull. No obligation. No chase.
02
Step Two
Get Your Offer
Our underwriters review your file in-house and send a transparent offer — usually the same day. You see the full cost, schedule, and structure before you commit to anything.
03
Step Three
Get Funded
Sign the agreement and the wire goes out from our balance sheet to yours. Most files fund within 24 hours of approval.

Need capital? Talk to the funder.
Not a layer in front of one.

Apply in five minutes. Same-day decision. Funded in 24 hours.

Apply Now

How It Works

Capital structured around your operation

Application to wire — here's what working with a direct funder looks like.

🏦
Capital Built To Fit
No two operations are alike. We map your revenue cadence, deposit pattern, and cash needs, then write a structure that respects all three. No template, no copy-paste.
Structures designed for your file, never a one-size formula.
⚡
Decisions That Match Your Pace
Files land on our underwriters' desks the same day they come in. Most receive a decision within hours — not next week, not after a syndication call.
Most files fund within 24 hours of approval.
🔍
Pricing You Can Read
Factor rate, total payback, and the full schedule sit in front of you before any signature. No back-end fees pulled at funding. No surprise debits later.
What we quote is what we wire. Always.
🤝
One Team. End to End.
From the first call to the final payment, you talk to the people who underwrote your deal. No call center, no rotating reps, no hand-off after the wire goes out.
Direct line, real people, every time.

Our Philosophy

"The strongest capital relationships work both ways. We structure files where your business wins — because we only get paid back when it does."

Estate Liquidators of Red Bank was built on a plain idea: business owners deserve a funder who has skin in the deal, not a forwarder collecting a margin.

What sets us apart

✓
Pricing on the page, no back-end fees
✓
Same-day decisions from in-house underwriters
✓
One account team from approval to payoff
✓
Structures shaped to your actual cash flow
✓
A line that rings to the team that knows your file

Ready to look at real numbers?

Apply in five minutes. Same-day decision. Pricing you can read on day one.

Apply Now

Capital Solutions

Funding programs built for operating businesses

Each program has a fit and a misfit. We name both.

Our Standard: We point you to the structure that fits your file — and we say what it costs and how it works on day one.
🏦
Asset-Backed Revolving Credit
Long-Term · Revolving
Draw against pledged assets, repay, draw again. The lowest-cost direct structure we write — designed for businesses with collateral and clean credit history.
Best For
  • Businesses with 680+ FICO
  • Real estate or equipment to pledge
  • Operations ready to graduate from short-term advances
Consider Carefully If
  • Collateral is limited or fully encumbered
📅
Monthly Payment Programs
Stability · 12–36 Months
Lower-frequency debits paired with reduced factor rates. Built for operations with predictable monthly revenue and credit profiles strong enough to step out of daily payment cycles.
Best For
  • Established operations with 650+ FICO
  • Businesses on monthly billing cycles
  • Companies graduating from daily-debit programs
Consider Carefully If
  • Frequent negative balance days
  • Stacked daily-payment positions
🔄
Revenue-Based Financing
Flexibility · Ongoing
Payments scale with your top line — heavier in strong months, lighter in slow ones. Built to absorb the natural rhythm of cyclical operations.
Best For
  • Seasonal or cyclical revenue
  • Service businesses
  • Operations with uneven monthly deposits
Consider Carefully If
  • Revenue is trending downward
🔗
Consolidation & Restructure
Relief · Strategic
Roll multiple active positions into one manageable schedule. Cut the daily drain, raise your approval ceiling, and create the runway to grow into longer-term capital.
Best For
  • Operations with 2+ active positions
  • Businesses overwhelmed by daily debits
  • Owners building toward stable, long-term financing
Not Always Available If
  • Steep revenue decline
  • Open defaults or UCC liens
⚡
Short-Term Working Capital
Speed · 3–12 Months
Direct revenue-based advance keyed to daily or weekly deposits. The fastest line we write — typically 24 hours from approval to wire.
Best For
  • Immediate operational needs
  • Inventory or seasonal stocking
  • Time-sensitive opportunities
  • Strong daily-deposit businesses
Consider Carefully If
  • Cash flow is already constrained
  • You are already 50%+ over-leveraged
💡

We'll match your file to the right program — directly.

Our underwriters review your application, identify the structure that fits your file, and put real options in front of you. If we're not the right fit, you'll hear it from us straight — no runaround, no pressure.

Apply Now

Qualification Overview

What direct funding looks like at every credit profile

Credit is one number on the page. Revenue, deposit pattern, and existing positions matter just as much. Here's the honest map.

A

Tier A — Prime

680–800 FICO · Strong Revenue · Clean History
Monthly payment programs — best in-house factor rates
Asset-backed revolving credit
Lowest direct-funder rates we write
Highest approval ceilings
Our strongest position. Consistent deposits unlock the lowest pricing we offer.
B

Tier B — Near-Prime

600–679 FICO · Moderate Revenue
May qualify for monthly payment structures
Factor rates starting from 1.17
Hybrid bi-weekly schedules available
Consolidation structures may apply
Strong deposits offset credit gaps. Our underwriting weights cash flow heavily here.
C

Tier C — Cash Flow Based

Below 600 FICO · Deposit-Driven Approval
Weekly payment structures only
Daily payment structures
Approval keyed to deposit volume and frequency
No monthly programs at this tier
We structure conservatively here — only what your deposits can carry. We pass on files that don't make sense.
Important: FICO is one signal — not the whole file. Tier A starts at 680, Tier B covers 600–679, Tier C runs below 600. Final approval also reads against average monthly deposits, deposit frequency, count of negative days, and existing exposure. A 670 with poor deposits can qualify for less than a 610 with strong, consistent flow. Our underwriting reads all of it before we present a number.

The Full Read

What our underwriters look at

📊
Average Monthly Deposits
The starting point for every file. We typically structure between 75% and 150% of monthly deposits depending on tier and program.
📅
Deposit Frequency
How often the money lands counts as much as how much. Steady daily deposits read healthier than sporadic large ones.
❌
Negative Days
Days closing in the red are a real flag. More than five to seven a month sharply reduces both options and ceiling.
🏋️
Existing Positions
Active advances cap what we'll write. Heavy stacking is the quickest way to limit options and raise risk.
💳
FICO & Credit Profile
Personal credit shapes program access and pricing — but strong revenue and deposit patterns can offset lower scores.
📐
Approval Ceiling
The maximum we'll write given everything combined. We calculate this before structuring — so you're never over-leveraged on day one.
Apply Now

Frequently Asked Questions

Plain answers, no fine print

No sales script, no tap-dance. Here's what working with a direct funder actually looks like.

What makes Estate Liquidators of Red Bank different?
We underwrite and fund from our own capital. You see the full cost before signing, you talk to the same team from application to payoff, and the answer to every funding question comes from us — not from a partner we forwarded your file to.
How fast can we get funded?
Most files receive a same-day decision. Once you sign, the wire typically lands within 24 hours. The process is built to move at the speed your business actually needs to move.
What does it cost? Are there hidden fees?
Zero hidden fees. You see the factor rate, total payback, and full payment schedule before signature. The price we quote is the price we wire against. Transparency on day one is how we build files that pay back.
What do you need to apply?
A short application and your last three months of business bank statements. That's the start. No hard credit pull at the application stage. We may ask for additional documents depending on program and amount — and we'll always say exactly what's needed.
What if I have existing positions?
We work with stacked files regularly. Depending on revenue, deposits, and current exposure, we can sometimes consolidate positions into a single schedule — or write new capital alongside what's there. We'll read the full picture and give you honest options.
Can you help us move toward longer-term financing?
Yes. Many files start in short-term capital and graduate to monthly programs or asset-backed revolving credit. We map a path from where the operation sits to where it's headed — and we say what it takes to get there.
What are the minimum qualifications?
Generally six months in operation, $15,000+ in monthly revenue, and an active business bank account. FICO matters but isn't everything — strong deposits and consistent revenue absorb a lot. Apply and we'll tell you exactly where you stand.
Who do I call after funding?
The same team that wrote your file. We don't disappear after the wire clears. You'll have a direct line to the people managing your account for renewals, questions, or anything else that comes up. One number, one team.

Have a question we didn't cover? Ask, and you'll get a straight answer.

Contact Us

Apply Now

Start your application

Fill out the form below. Our underwriters review the file and most operations get a same-day decision.

Estate Liquidators of Red Bank LLC

Legal Entity: Estate Liquidators of Red Bank LLC
Address: 3 Darien Dr, West Long Branch, NJ 07764
Email: [email protected]
Hours: Monday–Friday, 9 AM – 6 PM EST
State: New Jersey
📄
Upload Bank Statements
Click to browse — PDF, JPG, or PNG (25 MB max)
🔒 Your information is secure and will never be shared with third parties.

Legal

Privacy Policy

How we collect, use, and protect your information.

Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website ("Site") or use our services. By using our Site and services, you consent to the practices described in this Privacy Policy.

Information We Collect

"SMS consent is not shared with third parties for marketing purposes. No mobile opt-in data is shared."

We may collect both personally identifiable information ("PII") and non-personally identifiable information ("Non-PII") from you when you interact with our Site or use our services.

PII may include but is not limited to your name, email address, postal address, phone number, and any other information you voluntarily provide to us.

Non-PII may include technical information such as your IP address, browser type, device information, and website usage data.

How We Use Your Information

We use the information we collect for various purposes, including:

  • Providing and improving our services
  • Communicating with you
  • Responding to your inquiries
  • Sending you marketing and promotional materials (if you opt-in)
  • Understanding how users interact with our Site
  • Complying with legal obligations

Sale of Data

We do not sell your information you provide to us under any circumstance.

Data Security

We implement reasonable security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security.

Third-Party Services

We may use third-party services to collect, monitor, and analyze data on our behalf, such as website analytics tools. These third parties may have their privacy policies governing the use of the information they collect.

Cookies and Similar Technologies

Our Site may use cookies and similar technologies to enhance your experience, analyze usage patterns, and personalize content. You can manage your cookie preferences through your browser settings.

Links to Other Websites

Our Site may contain links to other websites that are not operated by us. We are not responsible for the privacy practices of those sites, and we encourage you to review their respective privacy policies.

Children's Privacy

Our services are not intended for children under the age of 13. We do not knowingly collect or solicit personal information from anyone under 13. If you are under 13, please do not use our services or provide any information on our Site.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The revised policy will be posted on this page with the "Last Updated" date. We recommend checking this page periodically for any changes. Your continued use of the Site or services after any modifications will signify your acceptance of the updated Privacy Policy.

Contact Us

Estate Liquidators of Red Bank LLC
3 Darien Dr, West Long Branch, NJ 07764
Email: [email protected]

Legal

Terms & Conditions

Please read these terms carefully before using our services.

1. Introduction

Welcome to Estate Liquidators of Red Bank LLC. These Terms and Conditions govern your use of our website and services. By accessing and using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website.

2. Use of Our Website

(a) You must be at least 18 years old to use our website and services. By using our website, you confirm that you are at least 18 years old.

(b) You may not use our website for any illegal or unauthorized purposes. You agree to comply with all applicable laws and regulations.

(c) We reserve the right to modify, suspend, or discontinue any part of our website, services, or content without prior notice.

(d) Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.

3. Intellectual Property Rights

(a) All content on this website, including but not limited to text, graphics, logos, images, videos, and software, is the property of Estate Liquidators of Red Bank LLC and is protected by copyright and other intellectual property laws.

(b) You may not reproduce, distribute, modify, transmit, or use any part of our website's content without our prior written consent.

4. Privacy Policy

(a) Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our website, you consent to our Privacy Policy.

(b) We do not share or sell your personal information to third parties.

5. Disclaimer

(a) The information provided on our website is for general informational purposes only. We make no warranties or representations about the accuracy, completeness, or reliability of the content.

(b) We are not responsible for any damages or losses resulting from the use of our website or any information provided therein.

6. Links to Third-Party Websites

Our website may contain links to third-party websites. We do not endorse or have any control over the content or practices of these websites. Your use of third-party websites is at your own risk.

7. Limitation of Liability

To the extent permitted by law, Estate Liquidators of Red Bank LLC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or in any way related to your use of our website or services.

8. Indemnification

You agree to indemnify and hold harmless Estate Liquidators of Red Bank LLC, its officers, directors, employees, and affiliates, from any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising out of your use of our website or violation of these Terms and Conditions.

9. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New Jersey. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts in that State.

10. Changes to Terms and Conditions

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of our website following the posting of any changes constitutes your acceptance of such changes.

11. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us at [email protected].

SMS Terms and Conditions

1. Introduction

Welcome to Estate Liquidators of Red Bank LLC. By accessing or using our services, including receiving SMS communications, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not engage with our services.

2. Consent for SMS Communication

By providing your consent to receive SMS communications, you acknowledge and agree to receive text messages from Estate Liquidators of Red Bank at the phone number you provide. Information obtained as part of the SMS consent process will not be shared with third parties.

3. Types of SMS Communications

If you have consented to receive text messages, you may receive SMS communications related to:

  • Customer Care Text messages (follow ups, reminders)
  • Marketing (occasional promotions) related to our services

4. Opt-In Method

You may opt-in to receive SMS messages by filling out a website form.

5. Standard Messaging Disclosures

  • Message and data rates may apply.
  • You can opt out at any time by texting "STOP."
  • For assistance, text "HELP" or contact us directly at [email protected].
  • Message frequency may vary.

Last Updated: 04/28/2026

Transparency

Rates & Disclosures

You should know exactly what you're paying before signing. Here's a clean breakdown of our products and pricing.

Commercial MCA / Revenue-Based Financing

Direct product — Estate Liquidators of Red Bank LLC is the funder

  • Factor rate range: 1.17 – 1.49
  • Example: $10,000 advance at a 1.30 factor rate = $13,000 total payback ($3,000 in total fees)
  • Term range: 3 – 36 months depending on program
  • No application fees, no hidden charges
  • Full cost breakdown delivered before signing
Merchant cash advances and revenue-based financing are commercial transactions, not loans. APR does not apply. These products are not subject to state lending license requirements.

What We Don't Do

We're a direct funder, not a referral source

Estate Liquidators of Red Bank funds revenue-based and merchant cash advance products from our own balance sheet. We don't broker SBA loans, we don't refer files to bank lenders, and we don't shop your application to third parties. If your operation needs a bank product, your bank is the right call — not us.

Our products are commercial financing transactions, not consumer loans. We do not hold a lending license and do not need one for these products.