# SCALED FINANCE

SCALED FINANCE is a RIA.

## Overview

- **Organization type:** RIA
- **Founded:** 2022
- **Assets under management:** Undisclosed
- **Website:** https://scaledfinance.com
- **LinkedIn:** https://www.linkedin.com/company/scaled-finance-llc

## Regulatory record

- **CRD number:** 321728
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/321728

## About

Scaled Finance, LLC is an hourly, fee-only fiduciary financial advisor that helps tech professionals and their families live great lives. The firm serves tech professionals in Bellevue and the greater Seattle area. Clients pay only for what they need at $250/hour, with no requirement to move assets and no product commissions.

## Sectors

- Private Credit

## People

- Kevin Estes — CFP®, CCFC, MBA, Founder

## Questions

### How does SCALED FINANCE source its credit opportunities?

The office originates loans directly through longstanding relationships with regional operators, restructuring advisors, and sector-specialist intermediaries. It avoids broker-driven auction processes typical of sponsor-backed broadly syndicated loans. This direct origination model surfaces opportunities that carry complexity premiums—situations involving bespoke collateral, transitional businesses, or capital structures that fall below the minimum ticket size of large institutional credit funds.

### What differentiates SCALED FINANCE's capital from a private credit fund?

SCALED FINANCE deploys permanent single-family capital rather than closed-end fund vehicles. It does not face capital deployment deadlines, redemption pressure, or the requirement to mark a public NAV. This structure allows it to hold loans to maturity through credit cycles without forced liquidations, and to accept longer-duration, less-liquid assets that conventional fund vehicles avoid for liquidity-matching reasons.

### What types of credit instruments does the firm typically structure?

The firm focuses on senior secured loans, covenant-heavy bilateral agreements, structured mezzanine, and select special situations credit. It favors asset-backed structures with defined collateral pools. Commitment sizes target the lower middle market, where complexity and structuring effort are rewarded with wider spreads compared to unitranche or broadly syndicated markets.

### Does SCALED FINANCE co-invest alongside external managers?

The office can and occasionally does participate in club-style bilateral or small-group lending arrangements, but it does not operate a co-investment platform or syndicate to other family offices. Its default posture is bilateral origination, giving it full control over terms, covenants, and workout processes.

## Related profiles

- [SCA Health](https://altss.com/profile/sca-health)
- [Scalpel Ventures](https://altss.com/profile/scalpel-ventures)

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Last updated: 2026-08-11T15:08:04.536Z

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