The platform is extending its infrastructure to instruments issued by third parties, with digital processes covering access, subscription, cash flows and redemption.

LONDON, UK

Altherum, the investment platform developed within the CGPH Banque d’affaires ecosystem, announces the launch of a new business line dedicated to the tokenization of financial products issued by third parties.

The program will initially focus on bonds and private placement debt transactions, before expanding to other instruments, including ETFs, wherever the applicable legal, regulatory and distribution framework allows for their digital representation.

The initiative broadens Altherum’s current scope, which includes club deals in private equity, venture capital and the real economy, as well as rare and non-replicable physical assets. With this new business line, the platform will also be able to accommodate financial instruments originated by issuers, asset managers and other professional market participants outside the group.

The objective is not to create an undifferentiated catalogue of digital products, but to select instruments with a clearly identified issuer, comprehensive documentation, defined economic terms and a clearly structured redemption process.

How it will work in practice

Every financial product will undergo a review process before being admitted to the Altherum infrastructure.

In the case of a bond, the assessment will consider, among other factors, the identity and creditworthiness of the issuer, the size of the transaction, its maturity, the applicable interest rate or expected yield, the intended use of proceeds, any guarantees or collateral, repayment seniority, and the issuer’s ability to service coupon payments and repay principal at maturity.

The operating process will consist of five stages:

• Product selection. The issuer or originator submits the instrument, the relevant financial documentation and the terms of the transaction.
• Analysis and structuring. The product’s economic mechanics, risks, investor eligibility requirements, distribution rules and any transfer restrictions are reviewed.
• Digital representation. The rights established under the contractual documentation are represented through digital units recorded on the blockchain.
• Access and subscription. Qualified investors complete the required checks, review the transaction documentation and subscribe to the product in accordance with the applicable terms.
• Lifecycle management. The platform supports the recording of holdings and product-related events, including coupon payments, distributions, investor communications, maturity and redemption.

For each transaction, the minimum investment amount, maturity, return, redemption terms and access requirements will be determined according to the characteristics of the instrument and the applicable distribution framework.

“Tokenization creates value when it makes an already well-structured financial process more orderly and verifiable,” said Kolyo Boichev, Director at CGPH Banque d’affaires and Altherum. “We will begin with selected bonds, where coupon payments, maturity and redemption can be represented and managed in a clear and transparent manner. The expansion into ETFs will take place only where the regulatory and distribution framework allows it.”

An infrastructure for issuers and investors

For issuers and originators, Altherum provides an infrastructure through which they can organize product presentation, investor onboarding, subscription recording and information management throughout the entire life of the transaction.

For qualified investors, the platform provides a single access point where they can review the characteristics of the instrument, available documentation, economic terms, risks, periodic updates and scheduled events through to maturity or exit from the investment.

The technology does not, however, alter the economic nature of the product. A tokenized bond remains dependent on the issuer’s ability to pay coupons and repay principal. Likewise, the digital representation of an ETF does not eliminate market risk, costs, fluctuations in the underlying assets or the rules governing its distribution.

Tokenization also does not, in itself, create liquidity. Transfers of digital holdings will only be possible where permitted by the contractual documentation, the structure of the product, the applicable regulatory framework and the availability of an eligible counterparty.

Club deals remain at the core of the Altherum model

The expansion into third-party financial products does not replace Altherum’s club deal activity. The platform will continue to develop dedicated transactions in private equity, venture capital, real estate and other sectors of the real economy.

In these transactions, CGPH Banque d’affaires identifies, analyzes and structures each individual opportunity, while Altherum organizes the documentation, investor access and the management of the related holdings.

The new business line will therefore enable Altherum to bring together three distinct investment categories within a single infrastructure: club deals originated and structured by CGPH, selected real-world assets, and financial products issued by third parties.

“We will not measure success by the number of tokens issued,” Boichev added. “Our benchmarks will be the quality of the products admitted to the platform, the capital actually invested, the proper execution and management of transactions, and our ability to build long-term relationships with investors, issuers and originators.”

About Altherum

Altherum is an investment platform developed within the CGPH Banque d’affaires ecosystem. The platform enables qualified investors to access club deals, private-market opportunities, tokenized real-world assets and selected financial products.

Altherum combines financial expertise, transaction analysis and digital infrastructure to make the access to, representation and management of investment holdings more efficient, while ensuring that their economic value and risk remain anchored to the underlying company, asset or financial instrument.

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Kolyo Boichev
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The Home Loan Arranger’s Jason Ruedy explains how Colorado investors may qualify using rental income—without personal tax returns or traditional income documentation

DENVER, CO

Colorado real estate investors seeking to access the equity in their rental properties are increasingly exploring DSCR cash-out refinance loans, according to Jason Ruedy, president and CEO of The Home Loan Arranger.

A DSCR loan short for debt service coverage ratio loan is an investment property mortgage that evaluates whether a property’s rental income can support its proposed mortgage payment. Unlike a conventional investment property refinance, qualifying DSCR programs generally do not require personal tax returns, W-2s or traditional employment-income documentation.

“For many real estate investors, the property’s performance tells the story better than a personal tax return,” Ruedy said. “A DSCR cash-out refinance may allow an investor to access rental property equity based primarily on the income generated by the property.”

Colorado investors may use proceeds from an investment property cash-out refinance to:

• Consolidate qualifying debt into a single monthly payment
• Purchase another rental or investment property
• Renovate or improve an existing rental property
• Strengthen cash reserves
• Reinvest capital in a growing real estate portfolio

The financing option may be especially relevant to self-employed investors and property owners whose tax returns do not fully reflect their available cash flow because of legitimate business deductions, depreciation or other real estate expenses.

“Colorado property owners may have substantial equity but find that conventional income-documentation requirements limit their financing options,” Ruedy said. “DSCR financing shifts the focus toward the rental income and financial strength of the investment property.”

Demand for Colorado DSCR loans extends beyond Denver to rental property owners and real estate investors in Colorado Springs, Aurora, Lakewood, Arvada, Boulder, Fort Collins, Longmont, Castle Rock and other communities throughout the state.

Choosing the Right Colorado DSCR Mortgage Lender

Ruedy cautions investors to look beyond a lender’s advertised interest rate when comparing Colorado investment property loans. Interest rate, closing costs, prepayment provisions, loan-to-value limits, property eligibility and DSCR requirements can all influence the true cost and suitability of a loan.

“The right loan officer should do more than quote a rate,” Ruedy said. “Investors deserve clear communication, competitive financing options and an experienced professional who understands how to move a DSCR loan from application to closing.”

With 33 years of mortgage industry experience, Ruedy has built his business around responsive service, strategic loan guidance and an ability to navigate complex mortgage transactions. The Home Loan Arranger serves borrowers in 34 states, according to the company.

Colorado investors interested in a DSCR loan, rental property refinance, investment property cash-out refinance or no-tax-return mortgage option may contact Jason Ruedy directly at 303-862-4742.

About The Home Loan Arranger

The Home Loan Arranger provides mortgage solutions for homeowners and real estate investors. Led by president and CEO Jason Ruedy, the company helps borrowers evaluate conventional, refinance and investment property financing options. Ruedy brings 33 years of mortgage experience and serves clients with an emphasis on competitive loan options, clear communication and attentive customer service.

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Jason Ruedy
The Home Loan Arranger
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Phone: 1 303-862-4742
Website: www.thehomeloanarranger.com

Following Successful Monaco Engagement Representing a Leading Oil and Gas Company

New York, USA

Liana Zavo, founder of ZavoVentures and ZavoMedia PR Group, has completed a successful investor roadshow in Monaco, where she represented an oil and gas company before an audience of international investors at the Hotel de Paris Monte Carlo. The engagement is her latest in a track record that now spans 12 countries, including Israel, with her next roadshow scheduled for Dubai in the fourth quarter. In New York City, Zavo hosts roadshows on a regular basis for micro-cap and small-cap companies.

Marie Antoinette Furtado, a natural resources expert, UN ambassador and fashion designer, said Zavo’s ability to bring people together stood out. “Meeting Liana Zavo in Monaco was extraordinary,” Furtado said. “She has the rare ‘it factor,’ the ability to connect investors, leaders and opportunities across the globe.” The Monaco roadshow was structured as a non-deal roadshow, meaning the company was not raising capital or soliciting investment during the engagement itself. Instead, the three days were built to introduce leadership directly to investors, strengthen relationships and build long-term credibility ahead of any future capital raise. Non-deal roadshows are a standard tool used by public companies to keep investors informed and engaged between formal offerings, and Zavo’s model applies the same curated, relationship-first approach that defines her broader roadshow strategy.

The Monaco and upcoming Dubai engagements are part of an investor roadshow model Zavo calls “Shark Tank on steroids,” which she has run for the past four years. The three-day format brings roughly 30 investors a day, including family offices, venture capital firms and strategic partners, into curated meetings and dinners with participating companies, creating close to 90 investor touchpoints in a single engagement.

A Model Built on Visibility Before the Ask

Zavo’s approach draws on her background in public relations. Through ZavoMedia PR Group, she has spent years positioning founders, executives, family offices and venture capital firms, work that revealed a consistent gap: companies with strong fundamentals and real capital plans, but little visibility outside their own networks.

“Companies spend enormous amounts of time preparing financial models and investor decks, but capital is still relationship-driven,” Zavo said. “If investors don’t know who you are, don’t understand your story or haven’t developed confidence in your leadership, the deck alone isn’t going to create that relationship.”

That belief shapes her framework: Visibility. Credibility. Capital. Visibility gets a company discovered. Credibility gives investors a reason to keep paying attention. Relationships create the opening for capital to follow.

Three Days, Ninety Conversations, One Story Under Pressure

Rather than filling a ballroom with hundreds of attendees, Zavo’s roadshow model favors curated access and repeated, meaningful conversation. Each of the three days is anchored by a tailored, curated investor dinner, giving executives a more intimate setting to build relationships with investors beyond the formal meetings and presentations. For management teams, the three days function as a live test of their investor narrative, surfacing which questions repeat, which parts of the story land and where the pitch needs more clarity.

“By the third day, you’re not telling the story the same way you told it on day one,” Zavo said. “You’re hearing investors, understanding their concerns and learning what resonates. That feedback can be incredibly valuable.”

Jim Bark, a private investor and former M&A banker who attended one of Zavo’s investor dinners, said her strength lies in bringing the right people into the room.
“Liana is super talented at community building. She brings companies together with investors in a way that just works,” Bark said. “She has a great eye, and she’s a master connector and storyteller.”

Where PR and IR Converge

Zavo’s model brings public relations and investor relations together under one strategy, rather than treating them as separate functions. Before and around each roadshow, ZavoMedia PR Group builds visibility for the company and its leadership, so that by the time investors sit down at the table, they are already meeting a name they recognize.

“Public relations tells the market why you matter. Investor relations explains why the business matters as an opportunity,” Zavo said. “When those two stories are aligned, management walks into investor conversations from a much stronger position.”

Through ZavoVentures, Zavo also works directly with family offices and venture capital organizations, giving her insight into both sides of the table: what investors need to evaluate an opportunity quickly, and what companies need to reach the right investors for their stage, sector and capital requirements.

A Global Model, Four Years in the Making

Over the past four years, Zavo has built a track record that now spans 12 countries, including Israel and an upcoming Dubai engagement in the fourth quarter. Her proven track record has positioned her as Wall Street’s Roadshow Strategist, the go-to architect behind investor experiences built to convert attention into relationships. Much of that work centers on micro-cap and small-cap public companies, which often carry strong fundamentals but struggle to get in front of the right investors. Her focus remains the same wherever she works: building the visibility and credibility that make an investor room worth walking into.

“I’m not interested in simply putting another pitch event on the calendar,” Zavo said. “I want to create an experience where companies have three days to be seen, heard and challenged by investors, and where we surround those conversations with the visibility and credibility necessary to make people pay attention.”

About Liana Zavo

Liana Zavo is an investor relations, public relations and fundraising strategist and the founder of ZavoVentures and ZavoMedia PR Group, headquartered in Midtown Manhattan at Fifth Avenue and 51st Street in New York City. For the past four years, she has advised public and private companies, including micro-cap and small-cap public companies, founders, family offices and venture capital organizations on investor positioning, strategic communications and capital strategy across 12 countries, including Israel and Dubai.

About ZavoVentures

ZavoVentures is an investment and investor-relations platform founded by Liana Zavo, working with public and private companies on capital strategy, investor introductions and curated roadshow experiences. The platform connects companies with family offices, venture capital firms and private investors, and works directly within the investment community to understand what both companies and investors need to move a relationship forward. ZavoVentures is headquartered in Midtown Manhattan in New York City.

About ZavoMedia PR Group

ZavoMedia PR Group is a New York-based public relations agency founded by Liana Zavo, specializing in crisis management, media relations and personal branding for tech startups, founders, venture capital firms and B2B brands. The firm builds visibility and credibility for its clients through strategic communications, media positioning and executive narrative, work that forms the foundation for Zavo’s broader investor roadshow model. ZavoMedia PR Group is headquartered in Midtown Manhattan in New York City.

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Liana Zavo
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