Disclosures

Performance claims

Where this site refers to reductions in daily or weekly payments — including the "historically 50–80%" range — those figures describe outcomes observed across prior files. They are historical, they are not averages presented as a statistical study, and they are not a prediction of what will happen in your case.

• Not every file results in a reduction. Some funders decline to restructure at all.
• Results vary widely based on which funders hold your positions, the terms of your specific agreements, your revenue and its consistency, how many positions you carry, where each funder sits in line, whether payments are current, and whether legal action has already begun.
• Timeframes described on this site — including "typically within one to two weeks" for restructures and "three to six months" for UCC work — reflect how files commonly move. Funder response times are outside our control and some files take considerably longer.
• We do not publish client counts, aggregate savings totals, or success rates, because those numbers are unverifiable by you and are routinely fabricated in this industry.

Illustrative examples

Any before/after comparison, sample scenario, or example dollar figure on this site is clearly labelled as illustrative and was constructed to demonstrate how the mechanics work. Illustrative figures are not case studies, not client results, not averages, and not an offer. No one should read them as a description of what we will achieve for a particular business.

No guarantee of results

We do not guarantee any outcome. We make no promise that:

• any funder will agree to negotiate or restructure;
• your daily or weekly payment will be reduced by any amount, or at all;
• any UCC-1 financing statement will be terminated or amended;
• your business or personal credit profile will improve;
• any lender will approve you for any product at any time;
• any amount of previously paid interest, fees or expenses will be recovered;
• you will avoid default, collection activity, litigation, or judgment.

Engaging us does not protect you from your contractual obligations. Your agreements remain in force unless and until a funder agrees in writing to change them.

Not a law firm — no legal advice

The MCA Rescue is not a law firm. We do not practice law, we do not provide legal advice, and we do not provide legal representation in any forum. Nothing on this website, in our communications, or in our services constitutes legal advice or creates an attorney-client relationship.

We do not interpret the legal effect of your contracts, advise you on your legal rights or defenses, advise you on whether to make or withhold a payment as a legal matter, or advise you on confessions of judgment, personal guarantees, bankruptcy, or litigation strategy. Those are legal questions. If your situation involves any of them, retain a licensed attorney in your jurisdiction.

We also do not provide tax advice, accounting advice, bankruptcy advice, investment advice, or personalized financial advice. Consult appropriately licensed professionals.

Not a lender, broker or funding source

We do not originate, fund, broker, place, or arrange merchant cash advances, loans, factoring, or any other form of business capital. We do not accept commissions, referral fees, spreads, or any other compensation from funders, lenders, brokers, ISOs, payment processors or lead generators. Our only compensation comes directly from our clients under a written agreement. [OWNER TO CONFIRM: confirm this is accurate across all current and planned business relationships before publishing.]

Credit-related claims

We do not claim, and no company can truthfully claim, the ability to remove accurate, current and verifiable information from a credit report. Where we identify information that appears inaccurate, incomplete or unverifiable, we assist in disputing it through the proper channels. Accurate negative information remains until it ages off under applicable law.

Restructuring or defaulting on a merchant cash advance may negatively affect business credit and, where a personal guarantee exists, personal credit. We do not represent that our services will protect or improve any credit profile.

Calculator disclosure

The MCA true-cost calculator is an educational estimation tool that runs entirely in your browser. Its outputs, including any annualized rate or APR-equivalent figure, are approximations derived solely from the values you enter, provided for comparison purposes. They are not lender disclosures, not calculations made under the Truth in Lending Act or any other regulation, and not a statement of your actual contractual obligations. Rely on your funding agreements and your funders' stated payoff figures.

Testimonials and reviews

Any testimonial appearing on this site reflects the experience of one individual client, published with that client's consent. Individual experiences are not representative, and a testimonial is never a promise, prediction or guarantee that you will obtain similar results.

Phone and text consent

We contact you by phone or text only where you have given express written consent, such as by checking the consent box on our contact form. Consent is never a condition of receiving any service from us — our email-only path is complete and equally available. Message and data rates may apply and message frequency varies. You may revoke consent at any time by replying STOP to a text message, telling a caller to stop contacting you, or emailing info@themcarescue.com.

Affiliations and third parties

We are not affiliated with, endorsed by, or sponsored by any merchant cash advance funder, bank, government agency, or the Small Business Administration. Trademarks and company names mentioned anywhere on this site belong to their respective owners and are used only for identification.

Related documents

• Privacy Policy — what we collect, who we never share it with, and how long we keep it.
• Terms of Use — the rules for using this site, including the no-guarantee and no-client-relationship terms.
• MCA true-cost calculator — the tool covered by the calculator disclosure above.