€144.1M+Total Funded
Target returns up to 16.5% per year
Invest in collateralized business loans across Europe and manage your portfolio from one place
Alternative investment management built for clarity
The numbers behind your portfolio
Maclear gives you a clear view of how your alternative investments perform, from target returns to loan terms and borrower ratings, all in one dashboard
€13.1M+Interest paid
Minimum investment starts at just €50
2.1K+Funded projects
Interest paid monthly to your balance
52.4K+Registered investors
Collateralized loans with internal LTV assessment
€2.0M +Provision Fund
Borrowers rated on an internal AAA-D scale
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How alternative investment management works here
From account creation to monthly interest, each step is straightforward
Create your investor account
Register on the platform, complete the verification process, and fund your investment balance with a bank transfer in euros Our investing tips cover diversification, terms and risk bands.
Your account is ready within minutes. Funds sit on an investment balance until you choose where to allocate them.
Browse available business loans
Each listing shows the borrower rating, interest rate, loan term, collateral type, and loan-to-value ratio so you can compare
Loans fund SMEs and projects across Central and Eastern Europe. Every project includes collateral and an internal risk score.
Choose loans and invest from €50
Pick the loans that match your risk appetite and time horizon. Spread your capital across multiple borrowers and geographies
Diversification across several loans and regions can help reduce the impact of any single default on your overall portfolio. Alternative investing on Maclear starts from €50.
Receive monthly interest payments
Interest is paid monthly to your investment balance. Principal is repaid at the end of the loan term according to the schedule
You can reinvest the monthly interest into new loans or let it accumulate on your balance for withdrawal.
Monitor performance in real time
Your dashboard shows active investments, accrued interest, repayment status, and any delays so you always know where things stand
Transparency matters. Every loan update, payment, and status change is visible in your account without delay.
Withdraw or reinvest at term end
When principal comes back at the end of a loan term, decide whether to withdraw to your bank account or reinvest into new loans
Investment carries risk. Loans may default, liquidity may be restricted, and investors could lose some or all invested capital.
Why manage alternative investments with Maclear
A Swiss crowdlending platform offering collateralized business loans with borrower screening, a provision fund, and full portfolio visibility See what are alternative investments and how they work in practice.
0% Collateral backs every loan on the platform
No fees for deposits, investments or withdrawals.
28,003 +Provision fund supports timely interest during delays
A growing community built around transparent investing.
€1,712 +Spread capital across borrowers, sectors, and countries
Average amount invested by active users each month.
€139 +Detailed borrower ratings from AAA to D
Average interest paid to active investors each month.
Featured loans available now
Browse current opportunities in business lending across Europe. Each loan shows its rating, collateral, term, and target return.
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Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Tools to manage your alternative portfolio
Everything you need to track, adjust, and understand your investments
Real-time portfolio dashboard
See your active loans, earned interest, and upcoming repayments in one view. No spreadsheets needed.
Borrower risk ratings
Each borrower is scored on an internal AAA-D scale. Higher ratings mean lower expected risk, but no rating guarantees repayment.
Loan-to-value transparency
Every loan displays its LTV ratio. Lower LTV means more collateral relative to the loan amount, offering a thicker buffer.
Monthly interest tracking
Interest payments arrive monthly and appear on your balance. Watch your income grow or reinvest it as it comes in.
Repayment status alerts
Get notified when payments arrive or if a borrower faces a delay. Stay informed without checking the platform constantly.
Auto invest configuration
Define your preferred loan term, rating range, and amount per loan. Auto invest handles the rest within your parameters.
Business lending across European markets
Capital from EU and EEA investors flows into vetted SME loans and real estate projects in Central and Eastern Europe, where demand for business financing remains strong in 2026
Explore the market
Portfolio growth at a glance
Many loans on Maclear pay around 14.5% per year before defaults and taxes, with target returns reaching up to 16.5% per year on select opportunities
€12M +Secondary Market volume
Target returns up to 16.5% per year
9,308 +Secondary Market participants
Invest from as little as €50 per loan
Three steps to start managing alternatives
From registration to your first investment in minutes
Register and verify your identity
Complete the sign-up and screening process online
Fund your investment balance in euros
Transfer funds via bank payment to your account
Pick loans or activate auto invest
Choose manually or let the platform allocate for you
Rewards for consistent investors
The longer you invest and the more you allocate, the more benefits you can access through the Maclear loyalty programme
Tiered bonus interest on qualifying loans
Higher tiers may offer improved rates on select loans
Priority access to new loan listings
See and invest in new projects before general release
Referral bonuses for bringing new investors
Earn a bonus when a referred investor starts lending
Dedicated support for top-tier accounts
Get faster responses and personalised portfolio guidance
Join a growing community of European investors
About Maclear and what we do
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors to pre-screened business borrowers. Investors purchase assigned loan claims secured by collateral. Maclear isn't a bank, doesn't lend its own funds, and investments lack deposit insurance coverage.
Transparency you can actually verify
Every Maclear loan displays borrower rating, collateral type, LTV ratio, interest rate, and repayment schedule upfront. This isn't personalized investment advice. We openly report delays and defaults in your dashboard.
- Full loan details visible before investing
- Borrower ratings updated with each assessment
- Collateral and LTV shown on every listing
- Repayment delays disclosed in real time
- Provision fund status available in your account
- Annual statements ready for tax reporting
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about alternative investment management
Maclear offers target returns up to 16.5% per year on collateralized business loans across Europe. Returns vary by loan term, borrower rating, and risk profile. Interest is paid monthly to your investment balance.
Minimum investment starts at just €50 per loan. Investors can build a diversified portfolio by spreading capital across multiple borrowers and geographies, starting with small initial commitments.
All loans on Maclear are collateralized with internal loan-to-value assessments conducted by the platform. Borrowers are rated on an internal AAA-D scale, and each listing discloses collateral type and LTV ratio before investment.
Interest is paid monthly to your investment balance according to the loan schedule. Principal repayment occurs at the end of the agreed loan term. Monthly payments can be reinvested into new loans or withdrawn.
Maclear finances small and medium enterprises across Central and Eastern Europe. The geographic diversification helps reduce concentration risk, though specific countries and sectors vary by available listings.
Each loan is backed by collateral assessed internally by Maclear, reducing default impact. Borrower ratings on the AAA-D scale indicate relative risk. Diversification across multiple loans and regions helps mitigate the effect of any single default.
Account setup is complete within minutes after registration and verification. Once verified, you can fund your balance via bank transfer in euros and begin browsing available loans immediately.
Yes. Each loan listing displays the borrower rating, interest rate, loan term, collateral type, and loan-to-value ratio. This transparency allows you to compare loans and match them to your risk appetite and time horizon.
All investments on Maclear are in euros. Bank transfers for funding and interest payments are conducted in euros, simplifying accounting for European investors.
Spreading capital across multiple loans, borrowers, and geographic regions limits exposure to any single default. Maclear's dashboard shows your allocation across different risk ratings and loan terms, helping you maintain balance.
Maclear's fee structure is designed for clarity. Review the specific fees for account management, loan origination, or transaction costs on the platform's terms before investing.
Loan terms are fixed at origination. Capital is locked until the agreed repayment date, though monthly interest payments are available for withdrawal or reinvestment during the loan term.
Borrowers are SMEs and project operators across Central and Eastern Europe. Each is rated internally on the AAA-D scale and must provide collateral securing the loan. Maclear conducts internal risk assessment before listing loans.
