Patented funding mechanism for interest free loan products and services, zero rate loan products and services, residential, commercial and industrial property loan products, monoline bond products and services, equity conduit products and services, commercial finance, commercial leasing, commercial hire purchase, commercial receivables, credit card, debit card, private label loan products and services, contracts for difference, margin loans, cash flow discounting of receivable income streams, securitisation and capitalisation processes, products and services