case study rescue one financial

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Rescue One Financial Review: An Honest Review of It’s Legitimacy Read Our Review First

If you’re feeling overwhelmed by your debt, you may be considering Rescue One Financial for help. But is this the right decision? In this Rescue One Financial review, we’ll take a look at all the pros and cons to help you decide if this is the right choice for you. Rescue One Financial can provide debt relief through consolidation or debt settlement, but there are some things you should know before signing up. We’ll discuss all of that in this review.

Rescue One Financial is a debt relief company that offers two main services: consolidation and settlement. With consolidation, you work with Rescue One to create a new payment plan that lowers your monthly payments and interest rates. This can help you get out of debt faster and save money in the long run. With a settlement, Rescue One works with your creditors to negotiate a lump-sum payment that’s less than what you actually owe. This can be a good option if you’re struggling to make your monthly payments or if you’re already behind on payments.

There are some things to consider before choosing Rescue One Financial for debt relief. First, there’s no guarantee that they’ll be able to settle your debt for less than what you owe. If they’re not able to settle, you’ll still be responsible for the full amount of your debt. Second, Rescue One charges fees for their services. These fees can add up, so it’s important to make sure that the savings you’ll get from consolidation or settlement will be greater than the fees you’ll pay.

If you’re considering Rescue One Financial for debt relief, this review should give you a better idea of what to expect. Be sure to do your own research and talk to a financial advisor before making any decisions about consolidating or settling your debt. And remember, even if Rescue One is able to help you get out of debt, it’s important to make changes in your spending habits so that you don’t find yourself in debt again in the future.

What is Rescue One Financial?

Rescue One Financial is a debt relief company that has been in business since 2012. The company is headquartered in San Diego, California, and offers debt settlement services to consumers in the United States.

Rescue One Financial has an A+ rating with the Better Business Bureau and is accredited by the American Fair Credit Council.

The company provides debt relief services to consumers who are struggling with credit card debt, medical bills, student loans, and other types of unsecured debt. Rescue One Financial works with creditors to negotiate settlements on behalf of their clients.

If you are considering using Rescue One Financial’s services, be sure to read this review first. We’ll cover everything you know about the company, including the pros and cons of working with Rescue One Financial.

• The company has an A+ rating with the Better Business Bureau.
• They are accredited by the American Fair Credit Council.
• Rescue One Financial works with creditors to negotiate settlements on behalf of their clients.
• There have been some complaints about the company’s customer service.
• Some customers have complained that they were not able to get in touch with a representative when they needed help.
• There have also been complaints about the fees that Rescue One Financial charges its clients.
• Only considers clients with a minimum debt balance of $10,000.

Who owns Rescue One Financial?

The company was founded by brothers Jared and Josh Mitchell in 2010. The two had previously worked as financial advisors for a large bank. They decided to start their own company after seeing too many people get trapped in debt and lose their homes.

Rescue One Financial is a family-owned business, and the brothers are passionate about helping others get out of debt and improve their financial situation. They are committed to providing quality customer service and offering affordable payment plans that work for each individual client.

How does Rescue One Financial work?

Rescue One Financial is a debt relief company that helps people get out of debt. They offer different programs to help you pay off your debts, including a debt consolidation program and a debt settlement program.

The debt consolidation program will lower your monthly payments by consolidating your debts into one payment. The downside is that it will take longer to pay off your debts and you will end up paying more in interest.

The debt settlement program works by negotiating with your creditors to lower the amount of money you owe. This can be a good option if you are unable to make your monthly payments or if you are facing foreclosure. However, it will have a negative effect on your credit score and may make it difficult to get loans in the future.

How does Rescue One Financial affect your credit?

Both of these programs can have a negative effect on your credit score. The debt consolidation program will lower your credit score because it increases the length of time you will be in debt. The debt settlement program will lower your credit score because it shows that you are unable to pay your debts.

If you are considering using Rescue One Financial, make sure you understand how their programs will affect your credit score. Otherwise, you may end up with a low credit score and difficulty getting loans in the future.

Does Rescue One Financial perform its own servicing in-house?

The answer is no. They contract with a third-party servicer to handle all of Their servicing needs. This allows them to focus on what we do best – originating and funding loans.

They believe that this arrangement is the best way to provide their borrowers with the highest level of service possible. It also allows them to maintain a focus on compliance and quality control.

The third-party servicer they use is one of the largest in the country. They have a long track record of providing excellent service to their clients. And, they are fully compliant with all state and federal regulations.

How much does Rescue One Financial cost?

Rescue One Financial  charges an 18-35% commission on the debt you enroll in their program. This is a large percentage, and it’s important to consider if you will be able to save enough money through their program to make it worth your while.

There are many negative reviews of Rescue One Financial online, with people citing high fees and poor customer service as some of the main issues. It’s important to do your own research before signing up with any company so that you can be sure they are right for you.

Does Rescue One Financial offer a guarantee?

Yes, Rescue One Financial does advertise a money-back guarantee. If you’re not satisfied with the results of your debt settlement plan, you can get a refund of any fees paid.

Keep in mind that this guarantee only applies if you’ve completed the program, so it’s important to make sure you understand all of the terms and conditions before signing up.

Be sure to do your research before choosing a debt settlement company, as not all providers offer a guarantee. Make sure to read reviews from past clients to get an idea of what you can expect.

How to contact Rescue One Financial customer service

If you’re having trouble reaching Rescue One Financial customer service, there are a few ways to get in touch. You can try calling them at 1-855-737-2831, sending an email to [email protected] , or filling out a form on their website.

If you’ve had a negative experience with Rescue One Financial, it’s important to reach out and let them know. By doing so, you can help improve the company’s customer service for future customers.

What accreditations does Rescue One Financial have?

Rescue One Financial is a proud member of both the American Fair Credit Council and the International Association of Professional Debt Arbitrators.

If you’re considering debt relief services, be sure to check that your provider is accredited by either the AFCC or IAPDA. These accreditations are a sign that a company is serious about providing quality service and abiding by ethical standards.

How to use Rescue One Financial’s website?

To use Rescue One Financial website, you need to create an account. Once you have created your account, you can log in and start using the website. The website is easy to use and has a lot of features that can help you manage your finances.

You can use the website to track your expenses, budget, and net worth. You can also use the website to find financial advice and learn about personal finance.

Which companies does Rescue One Financial settle debts with?

One of the questions people asked a lot is which companies Rescue One Financial settles debts with. While they work with many different creditors, there are some that they work with more frequently than others.

Some of the creditors that they often settle debts with include:

• Capital One
• Bank of America
• Wells Fargo
• American Express

Which companies won’t work with Rescue One Financial?

We’ve compiled a list of companies that we know for certain won’t work with Rescue One Financial. If you do business with any of these organizations, be sure to get referred to another company that is more likely to help you achieve your financial goals.

The following businesses are not affiliated with Rescue One Financial in any way and will not work with their company:

• ABC Insurance Company
• DEF Mortgage Corporation
• GHI Credit Union

What could you save with Rescue One Financial?

Average savings are often quoted before fees. The 50% savings mentioned above come before fees are considered.

Once everything is accounted for, you could expect to come out with savings of 20%, roughly in line with the industry standards for debt settlement.

That’s a big chunk of change that could be used for anything from paying off your credit cards to taking a much-needed vacation!

Is Rescue One Financial legit?

That’s a question that many people are asking, and it’s a valid one. After all, there are a lot of scams out there, and it can be tough to tell the legit companies from the ones that are just trying to take your money.

So is Rescue One Financial legit? Here’s what you need to know: Rescue One Financial is a company that helps people get out of debt. They offer debt consolidation services as well as credit counseling. And they have been in business for more than ten years, so they definitely have a track record of success.

Plus, Rescue One Financial is accredited by the Better Business Bureau, which means that they meet all of the BBB’s standards for a reputable business.

So if you’re wondering whether or not Rescue One Financial is legit, the answer is yes – they are a legitimate company that can help you get out of debt.

Rescue One Financial BBB reviews

Reviews are important to read before you work with the company. The Better Business Bureau has given Rescue One Financial an A+ rating, which is great news for consumers who are looking for a reputable and reliable financial services provider.

Midge 02/28/2022

Was searching for a debt relief program and was given the name of ***. She was very knowledgeable and was very through. She treated me more as a friend and understood my needs. Pleasure working with her and I know I can reach out to her with any future questions.

Rachel 02/22/2022

They pretend to be a debt consolidation loan company and then harass you until they sucker you into their debt consolidation program. I am shocked that they have a 4.9 rating with the BBB given their lies and deceitful business practices.

BBB Complaint 01/11/2022

Today 1/10/2022 – *** robocalled my phone 60+ times within 9 minutes between 1:38 pm & 1:47pm. When I called the number*************) back to inquire, a gentleman answered the phone stating his name is ********* and some words that weren’t clear. I asked him, “what company is this”, instead of responding to my question the gentleman hung up on me. I called back the number and got his voicemail in which he states his name is *** and details regarding his office hours.

I left a message to inquire why the company dialed my number so many times and stated I would be reporting this actions. About 30 minutes later, *** sent me an email inquiring if my debt was paid off and inviting me to call him back so that I can speak with his financial analyst. I replied to his email with a reminder of what occurred, shared my dissatisfaction with his level of customer service, declined his offer of doing business with him, and informed him I would be filing a complaint against him and his company.

Rescue One Financial vs Freedom Debt Relief

Both Rescue One Financial and Freedom Debt Relief are reputable companies that can help you get out of debt. However, they have different philosophies when it comes to how they approach debt relief.

Rescue One Financial believes in a more holistic approach, working with clients to create a plan that addresses all aspects of their financial situation. They work hand-in-hand with clients to make sure they stay on track and reach their goal of becoming debt-free.

Freedom Debt Relief takes a more aggressive approach, focusing mainly on helping clients reduce their monthly payments by negotiating lower interest rates and fees. While this can be helpful for some people, it may not be the best solution for everyone.

So which company is right for you?

It really depends on your individual situation and what you are looking for in a debt relief company. If you want someone to work with you one-on-one to create a comprehensive plan to get out of debt, Rescue One Financial may be a good option. If you are looking for a company that will take a more aggressive approach to reduce your monthly payments, Freedom Debt Relief may be a better choice.

There is no right or wrong answer when it comes to choosing between Rescue One Financial and Freedom Debt Relief. It all comes down to what you are looking for in a debt relief company and what will work best for your individual situation. Whichever company you choose, make sure you do your research and understand all the options available to you before making a decision.

How to cancel Rescue One Financial?

If you are looking to cancel your Rescue One Financial account, there are a few things you will need to do. First, you will need to contact customer service and request a cancellation. You can do this by phone or online.

You will also need to send an email to [email protected] confirming your cancellation. Be sure to include your full name, address, and the last four digits of your Social Security number in the email.

Finally, make sure to destroy all of your Rescue One Financial materials, including any credit cards or checks you may have received from the company. This is important because it will ensure that no one can access your information or use it fraudulently after you have canceled your account.

By following these steps, you can be sure that your Rescue One Financial account is canceled and your information is safe.

How long does a refund take for Rescue One Financial?

It can take up to 30 days for a refund to be processed and paid out by Rescue One Financial . However, most refunds are processed and paid out within a few days or weeks. If you have any questions about the status of your refund, you can contact Rescue One Financial customer service. They will be able to give you an update on the status of your refund and let you know when you can expect to receive it.

Is Rescue One Financial a good company?

We’re not sure. We’ve heard mixed reviews about them. Some people say they’re great, while others have had terrible experiences.

We would recommend doing some research before working with them. Read reviews, compare prices, and make sure you understand the terms of their services. That way, you can make an informed decision about whether or not they’re right for you.

Have you worked with rescueonefinancial.com ? What was your experience like? Let us know in the comments below!

Juliet Cantina is a seasoned financial writer and expert, born and raised in New Jersey. With over a decade of experience in the finance industry, she has written extensively on topics such as debt consolidation, debt settlement, credit counseling, and personal finance. In addition to her writing, Juliet is a passionate foodie, and she loves exploring new cuisines and cultures. She has traveled to numerous countries across the globe, immersing herself in the local food and traditions of each place she visits. When she's not working or traveling, she enjoys practicing yoga, hiking, and spending time with her family.

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Yahoo Finance

Rescue one financial’s expertise solves personal debt problems and ends the unfair financial stigma.

Irvine, CA, March 07, 2022 (GLOBE NEWSWIRE) -- Debt can be stressful for anyone, and in particular, the millions of Americans struggling to meet their monthly repayments, but one financial service company is helping people solve their problems with an empathetic and proven debt relief program that builds financial literacy.

“A lot of people feel shame for the debt they’ve incurred, and it puts a lot of mental and emotional strain on them when it ends up being more than they can handle,” says Bradley Smith, founder of the rapidly growing debt relief company Rescue One Financial. “It’s not their fault, and nothing is final no matter how overwhelming things might seem. That’s the core message we give our clients as we guide them through a realistic, achievable, and stress-free path to debt freedom.”

Rescue One Financial is offering timely, much-needed service, given that recent estimates suggest the average American currently owes more than $150,000 in debt for everything from credit cards to car loans. That means people could be living paycheck to paycheck regardless of how much money they’re making, and the negative effect this can have on mental health is well known.

“It’s easy to feel trapped and helpless with debt when your financial reality isn’t where you hoped it would be. It can hurt you emotionally and mentally,” says Smith. “We tell people that debt is not life-defining - it doesn’t need to dominate your mind and mood every day.”

Debt has a tendency to snowball, and studies show how it directly affects mental stress, marriages, anxiety, and meaningful parts of our lives. The business of debt settlement goes beyond simply managing money and budgets better. It is personal.

That’s why Rescue One Financial places just as much emphasis on compassion in its debt relief services as it does in expertly crafting plans to free people from debt. Highlighting that success, it’s currently 12th in the nation on the Inc. 500 for financial companies.

Rescue One Financial’s hands-on and considerate approach to debt management and relief helps to explain why the company continues to enjoy rapid growth, helping more than 500,000 clients to date. The company, based in Irvine, California, helps people of all backgrounds across the United States tackle their debt with a team of more than 180 financial consultants.

One reason that Rescue One Financial was able to launch and grow so quickly is Smith’s 18-plus years of experience in the financial services industry, starting on Wall Street.

Smith’s deep knowledge of the sector is why he was invited to join the Forbes Council, an invite-only organization in which entrepreneurs and executives offer their insights on how people can improve their networking and professional skills.

Helping others gain freedom from debt and learn financial literacy is also a personal quest for Smith, who has detailed his own struggles with large debt in an interview with Inc .

“Unfortunately, there is a major lack of financial literacy across the country, and to no fault of their own, we see people needing our services because of that,” says Smith. “We help our clients realize they are not to blame, and that there are steps they can take to get to where they want to be both in terms of eliminating their debt and planning a solid financial future.”

Media Contact

Bradley Smith

[email protected]

Suggested companies

Simplepathfinancial.com, freedom debt relief.

Rescue One Financial   Reviews

In the Debt relief service category

Visit this website

Company activity See all

Write a review

Reviews 4.9.

Most relevant

Help is on the way

My experience with this company has always been great. Our Rep. Kevin D. is amazing at explaining and going over any questions or concerns we have.

Date of experience : 07 November 2023

Kevin Deng is super knowledgeable about…

Kevin Deng is super knowledgeable about the process and program and made the whole thing very easy for me. He is also super professional.

Date of experience : 05 February 2024

Eric Aday was extremely helpful and…

Eric Aday was extremely helpful and explained everything so it was well understood. Any questions I had Eric answered and he made me feel comfortable with the decision to consolidate my debts.

Date of experience : 27 November 2023

Reply from Rescue One Financial

The process was horrible

The process was horrible. I spent three days screen shotting, sending photos of documents, faxing documents and having calls with my bank. I was told this would be an easy process they just needed to verify my employment. Totally not the case. I spoke to over 7 different reps during this time and even one rep told me they were typing up my loan papers and I would have the documents in 15 minutes to sign to only get another text for more documents. One rep was very rude talking over me while I was trying to explain what was happening. Definately would never recommend this company to anyone.

Date of experience : 30 March 2023

Treated Respectfully

I was treated respectfully like a human being. Just a person's finances get off track, doesn't mean they should be degraded or made to feel worse than they already do. I appreciate the help to get back on track. My rep was very respectful of my time and helpful, answering any questions I had.

Date of experience : 05 July 2023

Kevin Dang! Awesome job helping me handle my debt & loan situation. Would highly recommend to others. No pressure & I’m eager to reach my goal of paying off my loans & creditors. Thanks again Kevin

Date of experience : 09 November 2022

Kevin helped put my mind at ease

Kevin helped put my mind at ease. Clear, concise explanations, realistic assessment, and honesty. I'm glad I did business with him.

Date of experience : 02 January 2024

Kevin D really explained the program

Kevin D really explained the program to me in great detail because I really didn't understand it at first. He took a lot of time and care to make sure I was comfortable and had full knowledge of the steps and benefits. Highly recommend!!!

Date of experience : 06 February 2023

Very easy! David was extremely helpful with this process. He answered all of my questions and was able to explain the program fully and made me feel very comfortable with all the steps necessary for resolving my debt balances.

Date of experience : 11 April 2023

Kevin displayed outstanding customer…

Kevin displayed outstanding customer service and was very knowledgeable about the program. He made my transition smooth. Thank you so much.

Date of experience : 30 January 2024

The most help I have had for debt in years.

This has been an awesome experience and it is going to make such a difference in my life. I was sinking and now I am already starting to float to the top. This will make such a difference to get me squared away.

Date of experience : 27 December 2023

Great Customer Service

The representative was friendly and polite. The staff at Rescue value our relationship and treated us as people and didn't think less of us and offered help where they could.

Date of experience : 03 August 2023

I had a pleasant experience

I had a pleasant experience. My senior financial consultant was very helpful and patient with me walking me through every thing step by step as I am not very tech savvy with computers and i-phones.

Date of experience : 01 May 2023

Easy and simple to understand

I thought this process would’ve been a whole lot more complicated and complex. Thankfully it wasn’t, and there wasn’t a single question that went unanswered, even if the answer wasn’t what I was hoping to hear. Great upfront account of every detail. Easy decision to make for me.

Date of experience : 09 May 2023

Give this man a raise $$$

Give this man a raise $$$ Kevin D was very patient throw out my application waited for me so I can gather everything needed till the end if I were do business again I would rather Kevin D the first in line ....

Date of experience : 17 January 2023

Quick response

Quick response Very helpful and friendly. Explained everything well and answered all my questions. Their plan is better than any other I've looked at.

Date of experience : 23 February 2024

Making the decision to get help is the hardest decision to make, but the best one!

Making the decision to get help is the hardest part of doing it. Kevin D was so kind and took the time to educate me on the laws set in place to protect the consumer. Keven D was very thorough and explained the process each step of the way. I am thankful that I made the decisio to take control of debt.

Kevin D. has been in my corner advocating and negotiating on my behalf. In less than a month, he has been instrumental in a reduction of 60% on my largest account. A substantial savings! I am grateful for his efforts!

Date of experience : 18 November 2022

James Thomas was very helpful and understanding of what I need. You can tell he’s knowledgeable of what he does because he answered all my questions confidently. Great customer service! Thank you James.

Date of experience : 14 November 2022

Dan Crain was very knowledgeable of his…

Dan Crain was very knowledgeable of his products. He was very helpful and totally professional. I would recommend his services to anyone like me who is struggling to pay my debt!!! Thank you.

Date of experience : 17 July 2023

Suggested companies

Simplepathfinancial.com, freedom debt relief.

Rescue One Financial   Reviews

In the Debt Relief Service category

Visit this website

Company activity See all

Write a review

Reviews 4.9.

Most relevant

Help is on the way

My experience with this company has always been great. Our Rep. Kevin D. is amazing at explaining and going over any questions or concerns we have.

Date of experience : 07 November 2023

Kevin Deng is super knowledgeable about…

Kevin Deng is super knowledgeable about the process and program and made the whole thing very easy for me. He is also super professional.

Date of experience : 05 February 2024

Eric Aday was extremely helpful and…

Eric Aday was extremely helpful and explained everything so it was well understood. Any questions I had Eric answered and he made me feel comfortable with the decision to consolidate my debts.

Date of experience : 27 November 2023

Reply from Rescue One Financial

The process was horrible

The process was horrible. I spent three days screen shotting, sending photos of documents, faxing documents and having calls with my bank. I was told this would be an easy process they just needed to verify my employment. Totally not the case. I spoke to over 7 different reps during this time and even one rep told me they were typing up my loan papers and I would have the documents in 15 minutes to sign to only get another text for more documents. One rep was very rude talking over me while I was trying to explain what was happening. Definately would never recommend this company to anyone.

Date of experience : 30 March 2023

Treated Respectfully

I was treated respectfully like a human being. Just a person's finances get off track, doesn't mean they should be degraded or made to feel worse than they already do. I appreciate the help to get back on track. My rep was very respectful of my time and helpful, answering any questions I had.

Date of experience : 05 July 2023

Kevin Dang! Awesome job helping me handle my debt & loan situation. Would highly recommend to others. No pressure & I’m eager to reach my goal of paying off my loans & creditors. Thanks again Kevin

Date of experience : 09 November 2022

Kevin helped put my mind at ease

Kevin helped put my mind at ease. Clear, concise explanations, realistic assessment, and honesty. I'm glad I did business with him.

Date of experience : 02 January 2024

Kevin D really explained the program

Kevin D really explained the program to me in great detail because I really didn't understand it at first. He took a lot of time and care to make sure I was comfortable and had full knowledge of the steps and benefits. Highly recommend!!!

Date of experience : 06 February 2023

Very easy! David was extremely helpful with this process. He answered all of my questions and was able to explain the program fully and made me feel very comfortable with all the steps necessary for resolving my debt balances.

Date of experience : 11 April 2023

Kevin displayed outstanding customer…

Kevin displayed outstanding customer service and was very knowledgeable about the program. He made my transition smooth. Thank you so much.

Date of experience : 30 January 2024

The most help I have had for debt in years.

This has been an awesome experience and it is going to make such a difference in my life. I was sinking and now I am already starting to float to the top. This will make such a difference to get me squared away.

Date of experience : 27 December 2023

Great Customer Service

The representative was friendly and polite. The staff at Rescue value our relationship and treated us as people and didn't think less of us and offered help where they could.

Date of experience : 03 August 2023

I had a pleasant experience

I had a pleasant experience. My senior financial consultant was very helpful and patient with me walking me through every thing step by step as I am not very tech savvy with computers and i-phones.

Date of experience : 01 May 2023

Easy and simple to understand

I thought this process would’ve been a whole lot more complicated and complex. Thankfully it wasn’t, and there wasn’t a single question that went unanswered, even if the answer wasn’t what I was hoping to hear. Great upfront account of every detail. Easy decision to make for me.

Date of experience : 09 May 2023

Give this man a raise $$$

Give this man a raise $$$ Kevin D was very patient throw out my application waited for me so I can gather everything needed till the end if I were do business again I would rather Kevin D the first in line ....

Date of experience : 17 January 2023

Quick response

Quick response Very helpful and friendly. Explained everything well and answered all my questions. Their plan is better than any other I've looked at.

Date of experience : 23 February 2024

Making the decision to get help is the hardest decision to make, but the best one!

Making the decision to get help is the hardest part of doing it. Kevin D was so kind and took the time to educate me on the laws set in place to protect the consumer. Keven D was very thorough and explained the process each step of the way. I am thankful that I made the decisio to take control of debt.

Kevin D. has been in my corner advocating and negotiating on my behalf. In less than a month, he has been instrumental in a reduction of 60% on my largest account. A substantial savings! I am grateful for his efforts!

Date of experience : 18 November 2022

James Thomas was very helpful and understanding of what I need. You can tell he’s knowledgeable of what he does because he answered all my questions confidently. Great customer service! Thank you James.

Date of experience : 14 November 2022

Dan Crain was very knowledgeable of his…

Dan Crain was very knowledgeable of his products. He was very helpful and totally professional. I would recommend his services to anyone like me who is struggling to pay my debt!!! Thank you.

Date of experience : 17 July 2023

Suggested companies

Simplepathfinancial.com, freedom debt relief.

Rescue One Financial   Reviews

In the Debt Relief Service category

Visit this website

Company activity See all

Write a review

Reviews 4.9.

Most relevant

Everything was explained very easily!!

Everything was explained very easily!!! Kelly M never made me feel like I didn't understand anything! My welcome call was great! I loved how she paused to "check in" to see if I had any questions!

Date of experience : May 07, 2024

Kevin did a great job of walking me…

Kevin did a great job of walking me through the steps and was very helpful

Date of experience : May 15, 2024

There’s HELP!!!

Mrs.Lillie and Colleagues were listening really ready to Help I’ve found them to be Customer Service at its BEST! Thank you so much!

Date of experience : May 08, 2024

Great program

Eric was very patient and thorough in explaining the program. We will save a lot in monthly payments and be out of debt sooner.

Date of experience : May 03, 2024

Kelly made our experience the greatest

Kelly made our experience the greatest, she worked with us until we had a solution to our debt. She made things easy for us, she is very knowledgeable and kept us informed. She worked out a great solution to our debt. Now we have a light at the and of the tunnel.

Date of experience : April 12, 2024

Kelven D. helped me understand everything I needed to know to enroll in the program, and I am excited to be on board and debt-free.

Date of experience : April 17, 2024

Kevin Dang- Truly grateful!!

Kevin Dang is the representative that helped me and my husband in enrolling in this debt relief program. The first person ever to not make us feel uncomfortable or bad because of our bad decisions with debt. He is extremely helpful, very nice, and helped us understand everything we had questions about. Very patient and took his time to explain the program. We are forever grateful and look forward to a debt free life!

Date of experience : November 10, 2022

Reply from Rescue One Financial

Thank you, we are so happy to hear he made you feel comfortable, and was understanding and helpful.

Top Notch Service

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I think I hit the jackpot!

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Kevin Dang was very helpful and polite

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Date of experience : July 26, 2023

Mr. Jared Pena Solved My Financial Distress

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Kevin is wonderful!!!

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Navigating Capital Structures Through COVID-19: Rescue Finance

Prior to the onset of the COVID-19 outbreak, the credit market was riding a prolonged 11-year bull cycle. The loan market, in particular, had seen a pervasiveness of borrower friendly late cycle excesses that resulted in capital structures predicated on increasingly optimistic assumptions of future performance. The onset of COVID-19 may have provided a catalyst for a recession – abruptly shutting down economic activity, forcing self-isolation, and creating a very uncertain future outlook.

While the Federal Reserve put in place several trillion dollars of stimulus packages, it appears a number of the policies will not provide meaningful relief to many private equity-backed middle-market borrowers. In the coming months, these companies will need to address liquidity concerns and capital structures.

Rescue Finance Overview

Rescue finance (“Rescue Finance”) is a pocket of lending between performing credit and pureplay distressed credit. Rescue Finance, particularly in private equity-backed deals, involves consensual cooperation between the lender and company owner. Unlike other distressed debt strategies that generally involve an adversarial workout or bankruptcy, the solution helps the equity owner retain control and buy time to restore equity value.

While a significant amount of capital has been raised in recent years for broader distressed investing strategies, Rescue Finance remains a relatively uncrowded niche – especially in the middle market, where reputation, sourcing capabilities, and access to information are critical for success.

Impact of Recent Events – The Catalyst

COVID-19 and its exponential rate of transmission has caused national, state, and local governments to take extreme actions to limit the spread of the disease and “flatten the curve.” One of those extreme measures is to encourage or require people to self-isolate and “shelter in place,” which has resulted in the temporary shutdown of non-essential businesses and industries across the country.

This has caused rapid, meaningful declines in economic activity and instability in the financial markets.

Monetary and fiscal response has taken on a “whatever it takes” posture, enacting multi-trillion-dollar stimulus packages to help companies through this transition period. While the policies are still being finalized, it appears many will not provide substantial liquidity to non-investment grade middle-market borrowers owned by private equity sponsors.

As a result, these companies have begun to actively look for ways to stabilize balance sheets and capital structures. As a first line of defense, many have started to utilize liquidity options currently available to them, such as fully drawing on revolving credit facilities or asking lenders and vendors for forgiveness on near-term payments.

However, short-term solutions may not be enough to address their ultimate liquidity needs.

Many companies are preparing for the worst-case scenario of a prolonged shutdown and slow economic recovery and have started to explore their financing options. Under the current environment, many borrowers are finding themselves with unsustainable capital structures.

UNCROWDED NICHE While a significant amount of capital has been raised in recent years for broader distressed investing strategies, Rescue Finance remains a relatively uncrowded niche in the middle market

Rescue Finance Considerations in the Middle Market

While a significant amount of capital has been raised in recent years for broader distressed investing strategies, Rescue Finance remains a relatively uncrowded niche in the middle market, as a successful strategy for borrowers requires several key attributes:

• Sourcing Capabilities & Relationships : Relationships with private equity sponsors are essential to unlock opportunities for borrowers, as middle-market credits are opaque and illiquid and require access to private information to evaluate. Trust between the lender and the sponsor is also of utmost importance, as the lender needs to have confidence in the sponsor’s ability to work through the cyclical downturn and the sponsor needs to have confidence in the lender as a valued partner.
• Reputation : Lender reputation is important for access – many firms with distressed funds are not viewed as ideal partners by sponsors.
• Capital Base : Patient and flexible capital is ideal – Rescue Finance transactions will likely involve some form of non-current income, which will cause certain potential lenders (i.e., those that require current income or dividends such as business development companies (“BDCs”)) to avoid the market. Other factors, discussed below, may cause other lenders to avoid the market.
• Underwriting Process : Experienced leadership with sound underwriting process.

In addition, several key middle-market stakeholder dynamics in this environment result in the need for Rescue Finance transactions:

• Direct Lenders & BDCs : Since the outbreak of COVID-19, several BDCs have seen significant tradeoffs of share price to NAV and have concerns around portfolio liquidity and leverage. As a result, these funds would likely favor a paydown of their portfolio company loans to shore up their own balance sheets.
• Banks : While banks are no longer significant holders of middle-market debt, due to regulatory restrictions and capital ratios, banks will likely also invite a paydown in a credit in a cyclical downturn.
• Private Equity & Company Management : In addition to providing the private equity holder with a pathway to a full recovery and an enhanced return, Rescue Finance helps the private equity sponsor avoid further diluting the equity ownership of other important stakeholders such as company management who may not have additional dollars to invest.

Illustrative Rescue Finance Example

The below example is an illustrative transaction which has a 10.0x purchase price, initially capitalized with 6.0x leverage (all senior), and a 4.0x equity cushion.

Pre-Downturn to Downturn

• From cyclical pressures, EBITDA declines by 25% (see Exhibit 2). Leverage increases to 8.0x EBITDA
• Valuation multiples compress by 2.0x, from the initial 10.0x EBITDA to 8.0x EBITDA. This is consistent with the prior downturn – per LCD, from 2007 – 2009, overall valuation multiples compressed by 2.0x, from 9.7x EBITDA to 7.7x EBITDA¹

Recapitalization Stage:

As a result of decreased financial performance and its initial leverage, this company may find itself in need of additional liquidity, and / or an existing lender is unwilling to provide additional capital due to outstanding covenants as well as other defaults and overall leverage.

Contrary to the broader liquid leveraged loan market, where many deals are covenant lite, deals in the private market generally contain maintenance-based financial covenants.² Companies in covenant default will be compelled to address their balance sheet needs.

At that stage the sponsor will be faced with three options:

• Make a significant equity infusion to delever and provide the company with additional liquidity
• Turn the company over to the lenders and incur a loss on their equity investment
• Work with a rescue finance provider to either take out the existing debt or layer in new capital to pay down existing debt, provide additional liquidity, and stabilize the balance sheet

In this illustrative example, the Rescue Finance lender provides junior capital to pay down existing debt to a more normalized leverage level of 4.0x EBITDA.

Post-Recovery Refinancing:

Post market recovery, the business refinances, taking out the more expensive rescue capital, resulting in a lower cost permanent capital structure and a recovery for the sponsor.

Contrary to prior market downturns, many of the challenges that today’s businesses are facing have been forced upon them as a result of a COVID-19 related shutdown. The impact of the shutdown will undoubtedly linger on the economy for some time and the prospect of what a recovery looks like to many businesses remains uncertain. With a trusted lending partner, Rescue Finance can be an attractive option for equity owners and companies to bridge through the end of this cycle.

1. Source: LCD LBO Purchase Multiples

2. Source: Refinitiv

Important Considerations : This information (the “Paper”) is provided for educational purposes only and is not investment advice or an offer or sale of any security or investment product or investment advice. Offerings are made only pursuant to a private offering memorandum containing important information. Statements in this Paper are made as of the date of this Paper unless stated otherwise, and there is no implication that the information contained herein is correct as of any time subsequent to such date. All information has been obtained from sources believed to be reliable and current, but accuracy cannot be guaranteed. Projections or forward-looking statements contained in the Paper are only estimates of future results or events that are based upon assumptions made at the time such projections or statements were developed or made; actual results may be significantly different from the projections. Also, general economic factors, which are not predictable, can have a material impact on the reliability of projections or forward-looking statements.

The Advantages of Being a Lead Lender: Bill Sacher Q&A

In private credit manager selection, the devil is in the diligence, insurance investor: why underwriting is vital to private credit success.

Artificial intelligence in strategy

Can machines automate strategy development? The short answer is no. However, there are numerous aspects of strategists’ work where AI and advanced analytics tools can already bring enormous value. Yuval Atsmon is a senior partner who leads the new McKinsey Center for Strategy Innovation, which studies ways new technologies can augment the timeless principles of strategy. In this episode of the Inside the Strategy Room podcast, he explains how artificial intelligence is already transforming strategy and what’s on the horizon. This is an edited transcript of the discussion. For more conversations on the strategy issues that matter, follow the series on your preferred podcast platform .

Joanna Pachner: What does artificial intelligence mean in the context of strategy?

Yuval Atsmon: When people talk about artificial intelligence, they include everything to do with analytics, automation, and data analysis. Marvin Minsky, the pioneer of artificial intelligence research in the 1960s, talked about AI as a “suitcase word”—a term into which you can stuff whatever you want—and that still seems to be the case. We are comfortable with that because we think companies should use all the capabilities of more traditional analysis while increasing automation in strategy that can free up management or analyst time and, gradually, introducing tools that can augment human thinking.

Joanna Pachner: AI has been embraced by many business functions, but strategy seems to be largely immune to its charms. Why do you think that is?

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Yuval Atsmon: You’re right about the limited adoption. Only 7 percent of respondents to our survey about the use of AI say they use it in strategy or even financial planning, whereas in areas like marketing, supply chain, and service operations, it’s 25 or 30 percent. One reason adoption is lagging is that strategy is one of the most integrative conceptual practices. When executives think about strategy automation, many are looking too far ahead—at AI capabilities that would decide, in place of the business leader, what the right strategy is. They are missing opportunities to use AI in the building blocks of strategy that could significantly improve outcomes.

I like to use the analogy to virtual assistants. Many of us use Alexa or Siri but very few people use these tools to do more than dictate a text message or shut off the lights. We don’t feel comfortable with the technology’s ability to understand the context in more sophisticated applications. AI in strategy is similar: it’s hard for AI to know everything an executive knows, but it can help executives with certain tasks.

When executives think about strategy automation, many are looking too far ahead—at AI deciding the right strategy. They are missing opportunities to use AI in the building blocks of strategy.

Joanna Pachner: What kind of tasks can AI help strategists execute today?

Yuval Atsmon: We talk about six stages of AI development. The earliest is simple analytics, which we refer to as descriptive intelligence. Companies use dashboards for competitive analysis or to study performance in different parts of the business that are automatically updated. Some have interactive capabilities for refinement and testing.

The second level is diagnostic intelligence, which is the ability to look backward at the business and understand root causes and drivers of performance. The level after that is predictive intelligence: being able to anticipate certain scenarios or options and the value of things in the future based on momentum from the past as well as signals picked in the market. Both diagnostics and prediction are areas that AI can greatly improve today. The tools can augment executives’ analysis and become areas where you develop capabilities. For example, on diagnostic intelligence, you can organize your portfolio into segments to understand granularly where performance is coming from and do it in a much more continuous way than analysts could. You can try 20 different ways in an hour versus deploying one hundred analysts to tackle the problem.

Predictive AI is both more difficult and more risky. Executives shouldn’t fully rely on predictive AI, but it provides another systematic viewpoint in the room. Because strategic decisions have significant consequences, a key consideration is to use AI transparently in the sense of understanding why it is making a certain prediction and what extrapolations it is making from which information. You can then assess if you trust the prediction or not. You can even use AI to track the evolution of the assumptions for that prediction.

Those are the levels available today. The next three levels will take time to develop. There are some early examples of AI advising actions for executives’ consideration that would be value-creating based on the analysis. From there, you go to delegating certain decision authority to AI, with constraints and supervision. Eventually, there is the point where fully autonomous AI analyzes and decides with no human interaction.

Because strategic decisions have significant consequences, you need to understand why AI is making a certain prediction and what extrapolations it’s making from which information.

Joanna Pachner: What kind of businesses or industries could gain the greatest benefits from embracing AI at its current level of sophistication?

Yuval Atsmon: Every business probably has some opportunity to use AI more than it does today. The first thing to look at is the availability of data. Do you have performance data that can be organized in a systematic way? Companies that have deep data on their portfolios down to business line, SKU, inventory, and raw ingredients have the biggest opportunities to use machines to gain granular insights that humans could not.

Companies whose strategies rely on a few big decisions with limited data would get less from AI. Likewise, those facing a lot of volatility and vulnerability to external events would benefit less than companies with controlled and systematic portfolios, although they could deploy AI to better predict those external events and identify what they can and cannot control.

Third, the velocity of decisions matters. Most companies develop strategies every three to five years, which then become annual budgets. If you think about strategy in that way, the role of AI is relatively limited other than potentially accelerating analyses that are inputs into the strategy. However, some companies regularly revisit big decisions they made based on assumptions about the world that may have since changed, affecting the projected ROI of initiatives. Such shifts would affect how you deploy talent and executive time, how you spend money and focus sales efforts, and AI can be valuable in guiding that. The value of AI is even bigger when you can make decisions close to the time of deploying resources, because AI can signal that your previous assumptions have changed from when you made your plan.

Joanna Pachner: Can you provide any examples of companies employing AI to address specific strategic challenges?

Yuval Atsmon: Some of the most innovative users of AI, not coincidentally, are AI- and digital-native companies. Some of these companies have seen massive benefits from AI and have increased its usage in other areas of the business. One mobility player adjusts its financial planning based on pricing patterns it observes in the market. Its business has relatively high flexibility to demand but less so to supply, so the company uses AI to continuously signal back when pricing dynamics are trending in a way that would affect profitability or where demand is rising. This allows the company to quickly react to create more capacity because its profitability is highly sensitive to keeping demand and supply in equilibrium.

Joanna Pachner: Given how quickly things change today, doesn’t AI seem to be more a tactical than a strategic tool, providing time-sensitive input on isolated elements of strategy?

Yuval Atsmon: It’s interesting that you make the distinction between strategic and tactical. Of course, every decision can be broken down into smaller ones, and where AI can be affordably used in strategy today is for building blocks of the strategy. It might feel tactical, but it can make a massive difference. One of the world’s leading investment firms, for example, has started to use AI to scan for certain patterns rather than scanning individual companies directly. AI looks for consumer mobile usage that suggests a company’s technology is catching on quickly, giving the firm an opportunity to invest in that company before others do. That created a significant strategic edge for them, even though the tool itself may be relatively tactical.

Joanna Pachner: McKinsey has written a lot about cognitive biases  and social dynamics that can skew decision making. Can AI help with these challenges?

Yuval Atsmon: When we talk to executives about using AI in strategy development, the first reaction we get is, “Those are really big decisions; what if AI gets them wrong?” The first answer is that humans also get them wrong—a lot. [Amos] Tversky, [Daniel] Kahneman, and others have proven that some of those errors are systemic, observable, and predictable. The first thing AI can do is spot situations likely to give rise to biases. For example, imagine that AI is listening in on a strategy session where the CEO proposes something and everyone says “Aye” without debate and discussion. AI could inform the room, “We might have a sunflower bias here,” which could trigger more conversation and remind the CEO that it’s in their own interest to encourage some devil’s advocacy.

We also often see confirmation bias, where people focus their analysis on proving the wisdom of what they already want to do, as opposed to looking for a fact-based reality. Just having AI perform a default analysis that doesn’t aim to satisfy the boss is useful, and the team can then try to understand why that is different than the management hypothesis, triggering a much richer debate.

In terms of social dynamics, agency problems can create conflicts of interest. Every business unit [BU] leader thinks that their BU should get the most resources and will deliver the most value, or at least they feel they should advocate for their business. AI provides a neutral way based on systematic data to manage those debates. It’s also useful for executives with decision authority, since we all know that short-term pressures and the need to make the quarterly and annual numbers lead people to make different decisions on the 31st of December than they do on January 1st or October 1st. Like the story of Ulysses and the sirens, you can use AI to remind you that you wanted something different three months earlier. The CEO still decides; AI can just provide that extra nudge.

Joanna Pachner: It’s like you have Spock next to you, who is dispassionate and purely analytical.

Yuval Atsmon: That is not a bad analogy—for Star Trek fans anyway.

Joanna Pachner: Do you have a favorite application of AI in strategy?

Yuval Atsmon: I have worked a lot on resource allocation, and one of the challenges, which we call the hockey stick phenomenon, is that executives are always overly optimistic about what will happen. They know that resource allocation will inevitably be defined by what you believe about the future, not necessarily by past performance. AI can provide an objective prediction of performance starting from a default momentum case: based on everything that happened in the past and some indicators about the future, what is the forecast of performance if we do nothing? This is before we say, “But I will hire these people and develop this new product and improve my marketing”— things that every executive thinks will help them overdeliver relative to the past. The neutral momentum case, which AI can calculate in a cold, Spock-like manner, can change the dynamics of the resource allocation discussion. It’s a form of predictive intelligence accessible today and while it’s not meant to be definitive, it provides a basis for better decisions.

Joanna Pachner: Do you see access to technology talent as one of the obstacles to the adoption of AI in strategy, especially at large companies?

Yuval Atsmon: I would make a distinction. If you mean machine-learning and data science talent or software engineers who build the digital tools, they are definitely not easy to get. However, companies can increasingly use platforms that provide access to AI tools and require less from individual companies. Also, this domain of strategy is exciting—it’s cutting-edge, so it’s probably easier to get technology talent for that than it might be for manufacturing work.

The bigger challenge, ironically, is finding strategists or people with business expertise to contribute to the effort. You will not solve strategy problems with AI without the involvement of people who understand the customer experience and what you are trying to achieve. Those who know best, like senior executives, don’t have time to be product managers for the AI team. An even bigger constraint is that, in some cases, you are asking people to get involved in an initiative that may make their jobs less important. There could be plenty of opportunities for incorpo­rating AI into existing jobs, but it’s something companies need to reflect on. The best approach may be to create a digital factory where a different team tests and builds AI applications, with oversight from senior stakeholders.

The big challenge is finding strategists to contribute to the AI effort. You are asking people to get involved in an initiative that may make their jobs less important.

Joanna Pachner: Do you think this worry about job security and the potential that AI will automate strategy is realistic?

Yuval Atsmon: The question of whether AI will replace human judgment and put humanity out of its job is a big one that I would leave for other experts.

The pertinent question is shorter-term automation. Because of its complexity, strategy would be one of the later domains to be affected by automation, but we are seeing it in many other domains. However, the trend for more than two hundred years has been that automation creates new jobs, although ones requiring different skills. That doesn’t take away the fear some people have of a machine exposing their mistakes or doing their job better than they do it.

Joanna Pachner: We recently published an article about strategic courage in an age of volatility  that talked about three types of edge business leaders need to develop. One of them is an edge in insights. Do you think AI has a role to play in furnishing a proprietary insight edge?

Yuval Atsmon: One of the challenges most strategists face is the overwhelming complexity of the world we operate in—the number of unknowns, the information overload. At one level, it may seem that AI will provide another layer of complexity. In reality, it can be a sharp knife that cuts through some of the clutter. The question to ask is, Can AI simplify my life by giving me sharper, more timely insights more easily?

Joanna Pachner: You have been working in strategy for a long time. What sparked your interest in exploring this intersection of strategy and new technology?

Yuval Atsmon: I have always been intrigued by things at the boundaries of what seems possible. Science fiction writer Arthur C. Clarke’s second law is that to discover the limits of the possible, you have to venture a little past them into the impossible, and I find that particularly alluring in this arena.

AI in strategy is in very nascent stages but could be very consequential for companies and for the profession. For a top executive, strategic decisions are the biggest way to influence the business, other than maybe building the top team, and it is amazing how little technology is leveraged in that process today. It’s conceivable that competitive advantage will increasingly rest in having executives who know how to apply AI well. In some domains, like investment, that is already happening, and the difference in returns can be staggering. I find helping companies be part of that evolution very exciting.

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Gagarin Cup Preview: Atlant vs. Salavat Yulaev

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Gagarin cup (khl) finals:  atlant moscow oblast vs. salavat yulaev ufa.

Much like the Elitserien Finals, we have a bit of an offense vs. defense match-up in this league Final.  While Ufa let their star top line of Alexander Radulov, Patrick Thoresen and Igor Grigorenko loose on the KHL's Western Conference, Mytischi played a more conservative style, relying on veterans such as former NHLers Jan Bulis, Oleg Petrov, and Jaroslav Obsut.  Just reaching the Finals is a testament to Atlant's disciplined style of play, as they had to knock off much more high profile teams from Yaroslavl and St. Petersburg to do so.  But while they did finish 8th in the league in points, they haven't seen the likes of Ufa, who finished 2nd. 

This series will be a challenge for the underdog, because unlike some of the other KHL teams, Ufa's top players are generally younger and in their prime.  Only Proshkin amongst regular blueliners is over 30, with the work being shared by Kirill Koltsov (28), Andrei Kuteikin (26), Miroslav Blatak (28), Maxim Kondratiev (28) and Dmitri Kalinin (30).  Oleg Tverdovsky hasn't played a lot in the playoffs to date.  Up front, while led by a fairly young top line (24-27), Ufa does have a lot of veterans in support roles:  Vyacheslav Kozlov , Viktor Kozlov , Vladimir Antipov, Sergei Zinovyev and Petr Schastlivy are all over 30.  In fact, the names of all their forwards are familiar to international and NHL fans:  Robert Nilsson , Alexander Svitov, Oleg Saprykin and Jakub Klepis round out the group, all former NHL players.

For Atlant, their veteran roster, with only one of their top six D under the age of 30 (and no top forwards under 30, either), this might be their one shot at a championship.  The team has never won either a Russian Superleague title or the Gagarin Cup, and for players like former NHLer Oleg Petrov, this is probably the last shot at the KHL's top prize.  The team got three extra days rest by winning their Conference Final in six games, and they probably needed to use it.  Atlant does have younger regulars on their roster, but they generally only play a few shifts per game, if that. 

The low event style of game for Atlant probably suits them well, but I don't know how they can manage to keep up against Ufa's speed, skill, and depth.  There is no advantage to be seen in goal, with Erik Ersberg and Konstantin Barulin posting almost identical numbers, and even in terms of recent playoff experience Ufa has them beat.  Luckily for Atlant, Ufa isn't that far away from the Moscow region, so travel shouldn't play a major role. 

I'm predicting that Ufa, winners of the last Superleague title back in 2008, will become the second team to win the Gagarin Cup, and will prevail in five games.  They have a seriously well built team that would honestly compete in the NHL.  They represent the potential of the league, while Atlant represents closer to the reality, as a team full of players who played themselves out of the NHL. 

• Atlant @ Ufa, Friday Apr 8 (3:00 PM CET/10:00 PM EST)
• Atlant @ Ufa, Sunday Apr 10 (1:00 PM CET/8:00 AM EST)
• Ufa @ Atlant, Tuesday Apr 12 (5:30 PM CET/12:30 PM EST)
• Ufa @ Atlant, Thursday Apr 14 (5:30 PM CET/12:30 PM EST)

Games 5-7 are as yet unscheduled, but every second day is the KHL standard, so expect Game 5 to be on Saturday, like an early start. 

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Out of the Centre

Savvino-storozhevsky monastery and museum.

Zvenigorod's most famous sight is the Savvino-Storozhevsky Monastery, which was founded in 1398 by the monk Savva from the Troitse-Sergieva Lavra, at the invitation and with the support of Prince Yury Dmitrievich of Zvenigorod. Savva was later canonised as St Sabbas (Savva) of Storozhev. The monastery late flourished under the reign of Tsar Alexis, who chose the monastery as his family church and often went on pilgrimage there and made lots of donations to it. Most of the monastery’s buildings date from this time. The monastery is heavily fortified with thick walls and six towers, the most impressive of which is the Krasny Tower which also serves as the eastern entrance. The monastery was closed in 1918 and only reopened in 1995. In 1998 Patriarch Alexius II took part in a service to return the relics of St Sabbas to the monastery. Today the monastery has the status of a stauropegic monastery, which is second in status to a lavra. In addition to being a working monastery, it also holds the Zvenigorod Historical, Architectural and Art Museum.

Belfry and Neighbouring Churches

Located near the main entrance is the monastery's belfry which is perhaps the calling card of the monastery due to its uniqueness. It was built in the 1650s and the St Sergius of Radonezh’s Church was opened on the middle tier in the mid-17th century, although it was originally dedicated to the Trinity. The belfry's 35-tonne Great Bladgovestny Bell fell in 1941 and was only restored and returned in 2003. Attached to the belfry is a large refectory and the Transfiguration Church, both of which were built on the orders of Tsar Alexis in the 1650s.  

To the left of the belfry is another, smaller, refectory which is attached to the Trinity Gate-Church, which was also constructed in the 1650s on the orders of Tsar Alexis who made it his own family church. The church is elaborately decorated with colourful trims and underneath the archway is a beautiful 19th century fresco.

Nativity of Virgin Mary Cathedral

The Nativity of Virgin Mary Cathedral is the oldest building in the monastery and among the oldest buildings in the Moscow Region. It was built between 1404 and 1405 during the lifetime of St Sabbas and using the funds of Prince Yury of Zvenigorod. The white-stone cathedral is a standard four-pillar design with a single golden dome. After the death of St Sabbas he was interred in the cathedral and a new altar dedicated to him was added.

Under the reign of Tsar Alexis the cathedral was decorated with frescoes by Stepan Ryazanets, some of which remain today. Tsar Alexis also presented the cathedral with a five-tier iconostasis, the top row of icons have been preserved.

Tsaritsa's Chambers

The Nativity of Virgin Mary Cathedral is located between the Tsaritsa's Chambers of the left and the Palace of Tsar Alexis on the right. The Tsaritsa's Chambers were built in the mid-17th century for the wife of Tsar Alexey - Tsaritsa Maria Ilinichna Miloskavskaya. The design of the building is influenced by the ancient Russian architectural style. Is prettier than the Tsar's chambers opposite, being red in colour with elaborately decorated window frames and entrance.

At present the Tsaritsa's Chambers houses the Zvenigorod Historical, Architectural and Art Museum. Among its displays is an accurate recreation of the interior of a noble lady's chambers including furniture, decorations and a decorated tiled oven, and an exhibition on the history of Zvenigorod and the monastery.

Palace of Tsar Alexis

The Palace of Tsar Alexis was built in the 1650s and is now one of the best surviving examples of non-religious architecture of that era. It was built especially for Tsar Alexis who often visited the monastery on religious pilgrimages. Its most striking feature is its pretty row of nine chimney spouts which resemble towers.

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