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  • Amidst lacklustre growth and low interest rates, investors have taken on risk without adequate compensation

Creating a Free Financial Corridor for Consumers & Merchants 

An Interest Bearing Deposits-Savings-Credit-Payments channel to facilitate the productive allocation of capital

 

 

 A Free Zone for Merchants. Process Debit & Credit Payments free of Transaction Fees. Extend Store Credit, Discounts and Loyalty Points. Advertise. Yes, Free. Help us help you increase your sales. Join Our Platform. 

Your being on our network helps us give more to consumers & savers. 

 

 

Macrantha Ltd.
43-45, Dorset Street
London W1U 7NA
United Kingdom
enquiries@macrantha.com
 
 
If you’ve puzzled why equity markets keep charging ahead even while your wages aren’t, think again before you blame the immigrant’s cheap labour. And it’s not the outsider who is bidding up house prices outside of your reach either. The reason is a little more nuanced and has to do with interest rates as opposed to competition or that over-used buzzword called globalization.
 
The problem is a lot more home-grown. You see low interest rates have a disproportionate impact on the price of capital assets i.e. assets like equities, bonds and real estate, all of which generate income (dividends, coupons and rents) over time. When rates fall, these capital assets jump disproportionately in price.
 
For instance, if the annual income stream is $12k per annum and the discount factor falls from 6% to 5%, the value of such asset jumps from $200k to $240k, an eye-popping 20%. The price jump which follows from simple algebra (sum of geometric series to infinity) gives the semblance of an asset bubble but it’s not really one as it’s an intentional outcome of lower rates pointed created by the Fed.
 
Now the general assumption is that higher asset wealth is monetised into greater consumer spending which leads employers to pay higher wages in wake of higher demand for their goods and services. But clearly reality diverges from assumption as our wages are nowhere on the frothy trajectory of our equity markets boosted by the buybacks funded by record cheap debt on corporate balance sheets. 
So, how must we rectify this situation? We need a private market conduit that creates an outlet for investors to earn a high-quality, short term rate of return while directly benefitting demand for consumer goods and services. That’ll keep them from lending cheaply to mature companies that use it to lever up their balance sheets to boost stock prices in the short run. Instead it will go into lending to consumers to boost demand for goods and services which will mean that companies are more likely to pass on higher revenues as higher wages. Equity prices will still go up but this time due to higher revenues and not because low revenues have been boosted by a lower discount factor.
 
Sound theoretical? Not here. If you know where you want to get to, technology is there to help. Innovation starts with recognising the need. And then using technology to accomplish it.
 
Our non-bank, regulated fintech platform creates a marketplace for institutional/accredited investors to lend short term to consumers and small and medium size businesses. For it to be a sufficiently deep venue for institutional capital, it creates a confluence of consumers & merchants to serve as a large and varied pool of borrowers.
 
With this objective, it offers an interest-bearing deposit & revolving credit facility and allows merchants to take debit & credit payments from customers free of transaction fees and transmit loyalty points in the spirit of a Universal Store Card. 
 
Macrantha Capital
43-45, Dorset Street
London W1U 7NA
United Kingdom
enquiries@macrantha.com
 
 
 
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Privacy Policy

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We may collect and process the following data about you:

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If you contact us, we may keep a record of that correspondence.

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WE STORE YOUR PERSONAL DATA

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

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Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

 

USES MADE OF THE INFORMATION

We use information held about you in the following ways:

To ensure that content from our site is presented in the most effective manner for you and for your computer.

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To allow you to participate in interactive features of our service, when you choose to do

so.

To notify you about changes to our service.

We may also use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these by [post or telephone].
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DISCLOSURE OF YOUR INFORMATION

We may disclose your personal information to third parties:

In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.

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You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at our registered address or emailing us at enquiries @ macrantha.com .

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ACCESS TO INFORMATION

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

 

CHANGES TO OUR PRIVACY POLICY

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. However, we advise that you check this page regularly to keep up to date with any necessary changes.