About Avalon Financial

Our Approach

A credit-led investment and advisory platform focused on structured real estate opportunities in mature, stable markets.

Our Approach

We deploy capital with discipline and intent. Our approach is built on five principles:

Senior Secured by Design
First-charge security, conservative leverage and independently verified valuations underpin every position.
Structure Defines Outcome
Returns are contractually set at origination — driven by structure, not market direction.
Direct Exposure, Full Transparency
Investors hold direct positions with full visibility at asset level — no pooled vehicles, no layered risk.
Execution Before Deployment
Capital is deployed only once diligence is complete, with active oversight through to exit or recovery.
Aligned and Accountable
We act as principal agent, structuring and managing positions with full alignment to investor outcomes.

Experience & Approach

Multi-disciplined
Deliberately simple

Our background spans institutional credit, private banking, development execution and international capital markets. Collectively, we have structured over £350 million of real estate loans across our team track record and delivered transactions across residential, hospitality and commercial assets in the UK and Europe.

That breadth is deliberate. It allows us to operate across credit, assets and execution — not just within one discipline.

We focus on liquid, transparent markets with established legal frameworks. The type of asset matters less than whether it can be structured and exited without reliance on favourable conditions.

We do not rely on market direction. Outcomes are driven by the quality of the asset or security, the integrity of the structure and the discipline of execution.

"The edge is not complexity. It is the discipline to stay where the logic is clear, the execution is direct, and the downside is owned — not hoped away."

Our Approach

  • Transactions in mature, stable markets with established exit routes
  • No reliance on external conditions, third-party decisions or speculative uplift
  • Returns generated through structure and execution — not market movement
  • Senior secured positions with full legal recourse in default scenarios
  • Conservative leverage — maximum 65% net LTV (day-one cash exposure)
  • Short durations with contractual maturities defined at origination

Positioned to Outperform

Different drivers
Different outcomes

vs. Private Equity
No reliance on
market upside
Private equity returns are typically driven by exit multiples, revenue growth or market re-rating — variables outside the manager's control. Our returns are contractually defined at origination and driven by asset quality, security and structure.
vs. Private Markets
Short duration.
Full visibility.
Traditional private market vehicles lock capital into pooled structures for extended periods, with limited transparency at position level. We operate on short-duration cycles, with direct exposure to each transaction and full asset-level visibility.
vs. Public Markets
Independent of
market volatility
Public market returns are influenced by sentiment, macro cycles and correlation effects. Our transactions are not linked to listed markets. Performance is driven by structure, security and execution.

Senior Advisors

Independent perspective
Institutional experience

Our advisors provide independent input across credit, risk and governance, bringing experience from senior roles in international banking and capital markets.

Senior Advisor — Credit & Risk
Marc Scrimshire
Marc spent five years at Goldman Sachs within the Chief Underwriting Office, where he was a voting member of the Global Credit Markets Capital Committee, approving large-scale financing transactions. He began his career at HSBC and brings a disciplined, downside-focused approach to underwriting.
Senior Advisor — Strategy & Governance
Peter Braunwalder
Peter served as Chief Executive Officer of HSBC Private Bank (Suisse) SA from 2002 to 2008, having previously held senior roles at UBS across Tokyo, London and Zurich. With over three decades in international banking and wealth management, he provides strategic perspective and governance oversight.

Operating Principles

How we operate

01
Capital Preservation
Downside is structured, not assumed. Senior secured positions, conservative leverage and defined exit routes are established before capital is deployed.
02
Transparency
Direct exposure. Full visibility. Investors hold direct positions with full transparency on asset, structure and terms — no pooled vehicles or layered risk.
03
Selectivity
Selectivity over volume. We focus on a small number of transactions, each underwritten to the same standard — prioritising clarity, structure and execution over deal flow.
04
Alignment
Aligned by design. Direct structures and principal-led execution ensure alignment — we do not earn from complexity or volume, only from outcomes.

The Avalon Difference

A different structure
A different outcome

The market norm
Pooled fund structures with limited visibility at position level
Capital locked into long-duration vehicles with extensions and capital calls
Returns driven by exit timing, market re-rating and third-party execution
Layered fee structures compounding within complex, illiquid positions
Base cases reliant on projected growth or speculative uplift
The Avalon approach
Direct investor exposure to each transaction with full asset-level visibility
Short-duration positions with contractual maturity defined at origination
Returns generated through structure and execution — not market movement
Simple, transparent transactions with defined costs before deployment
Conservative underwriting with defined downside

Ready to work with
Avalon Financial?

Deploy capital, structure a transaction or obtain independent advice — speak directly with the team.

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The information provided on this website is for general informational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security, financial product, or service. Avalon Financial does not conduct any activities regulated by the Financial Conduct Authority (FCA) and does not provide services to retail clients. All information is intended solely for professional investors, institutions, or qualified counterparties. Capital at risk. © 2025 Avalon Financial Ltd — All Rights Reserved.