121M+Total Funded
€100 minimum to start building passive income streams
Finance business loans and projects—earn returns while supporting the real economy
Build financial freedom through P2P lending
What financial freedom looks like on Maclear
P2P crowdlending connects you directly with businesses that need capital, offering a path to income diversification and long-term wealth building
10.6M+Interest paid
Up to 16.5% expected returns on vetted business loans
1.8K+Funded projects
Diversify across multiple borrowers, industries and project types
44.2K+Registered investors
Full transparency: borrower profiles, loan terms, repayment schedules
€2.0M +Provision Fund
Reserve fund helps absorb defaults but does not guarantee returns
Investors receiving payouts
Investors who received at least one interest payment each month.
Rated 4.5 / 5 based on 779 reviews. Showing our 4 & 5 star reviews.
How it works
Six steps from registration to receiving your first repayment on Maclear
Register and verify your identity
Know Your Customer and Anti-Money Laundering verification processes are conducted through the PolyReg compliance platform for regulatory adherence.
Swiss AML supervision ensures compliance—not a guarantee of investment safety
Browse vetted business loan opportunities
Filter by risk, term, return
Maclear pre-screens borrowers but default risk remains—no insurance on capital
Invest from €100 per loan
Purchase assigned loan claims
You buy a portion of the loan—Maclear does not lend from its own balance sheet
Borrower repays monthly or at term end
Interest and principal returned
Repayments depend entirely on borrower solvency—delays or defaults can occur
Track performance in your dashboard
Real-time updates on every loan
Monitor repayment schedules, defaults, reserve fund activity and net returns
Reinvest or withdraw funds
Build compounding income or cash out
Liquidity depends on loan maturity—secondary market may be limited or unavailable
Why investors choose Maclear for financial freedom
Swiss-based P2P platform with transparent risk disclosure, vetted borrowers and no hidden fees
0% Direct access to business lending market
No fees for deposits, investments or withdrawals.
28,003 +No bank intermediaries—higher potential returns
A growing community built around transparent investing.
€1,712 +Full control over portfolio diversification
Average amount invested by active users each month.
€139 +AML supervision via PolyReg SRO
Average interest paid to active investors each month.
Featured loan opportunities
Browse current business loans seeking funding—each with full borrower profile, financial data and repayment terms
Wholesale Electronics
Supplies consumer electronics to major retailers and telecomes like Technomarket and Magnum-D
- Loan Amount
- €600,000
- Term
- 16 months
- Yield (APR)
- 15.1%
JINTEKI
Processes, freezes and dries fruits and vegetables in a modern, fully equipped organic-focused production facility
- Loan Amount
- €900,000
- Term
- 14 months
- Yield (APR)
- 14.9%
Datra Ltd
Supply, installation and maintenance of agricultural and food equipment
- Loan Amount
- €950,000
- Term
- 12 months
- Yield (APR)
- 14.6%
Investment Calculator
Future value in 6 years€8000
Start with €50
Average annual return17.6%
Earned return€460
Promotions€0
Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Control every aspect of your portfolio
Maclear gives you the tools to build financial freedom on your terms
Choose your risk level
Filter by borrower score, collateral, loan-to-value and industry sector
Set investment limits per loan
Cap exposure to any single borrower—avoid concentration risk
Diversify by geography and sector
Spread capital across industries and project types to reduce volatility
Monitor repayment schedules
Track every payment, delay or default in real time
Adjust strategy as you learn
Refine criteria based on performance—no lock-in, no penalties
Withdraw available funds anytime
Access repaid capital without waiting for full loan maturity
Review reserve fund usage
See how defaults are managed—reserve fund is not insurance
Export tax and performance reports
Download data for accounting and tax filing in your jurisdiction
Explore the live loan marketplace
Browse current business loan opportunities, compare terms and invest directly in projects that match your financial freedom goals and risk tolerance
View marketplace
Real numbers from the Maclear platform
Transparent performance data: total loans funded, average returns and default rates—helping you make informed decisions on your path to financial freedom
€12M+ +Secondary Market volume
Over €X million financed through the platform
9,308+ +Secondary Market participants
Average net return of X% after defaults
Start building financial freedom today
Three steps to your first investment on Maclear's P2P platform
Register and complete KYC
Takes 5–10 minutes
Deposit funds via bank transfer
Euro accounts only
Browse loans and invest
Start from €100
Rewards for long-term investors
Maclear's loyalty program gives you lower fees and priority access as you grow your portfolio
Reduced platform fees
Lower costs as volume grows
Priority loan access
See new opportunities first
Bonus interest tiers
Earn more on reinvested funds
Exclusive investor insights
Quarterly reports and webinars
Join the Maclear investor community
About Maclear
Maclear AG is a Swiss peer-to-peer crowdlending platform linking investors with verified business borrowers. We don't lend our own funds. Supervised by PolyReg SRO for AML/KYC compliance. All investments carry high risk including potential total capital loss.
Transparency is the foundation of trust
Maclear provides complete loan documents, borrower financial statements, and platform metrics. We openly share defaults, fees, and risks. Investors should understand exactly what they're funding and potential problems. We offer no guarantees, insurance, or false promises—only honest access to business lending opportunities.
- Full borrower financials disclosed before investment
- Real-time default and delinquency tracking
- Reserve fund activity and balance published monthly
- No hidden fees or rollover penalties
- Loan documentation available for download
- Independent audits and compliance reports shared
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Questions about financial freedom on Maclear
Investors can begin with €100 per loan on the platform. This low entry point allows individuals to diversify across multiple business loans and borrowers without requiring substantial upfront capital.
Maclear pre-screens all business loan applications through KYC and AML compliance checks via PolyReg. However, pre-screening does not eliminate default risk—borrowers remain subject to solvency changes and repayment delays.
Vetted business loans on the platform offer expected returns up to 16.5% annually. Actual returns depend on loan selection, borrower repayment performance, and portfolio diversification across industries.
The reserve fund absorbs certain defaults but explicitly does not guarantee return of principal. Investors retain full default risk exposure, and reserve fund protection has defined limits.
Liquidity depends on individual loan maturity schedules and secondary market availability. A secondary market exists but may be limited or unavailable for certain loans, restricting quick cash-out options.
Real-time dashboards display repayment schedules, default activity, reserve fund movements, and net returns across all loans. Investors gain full transparency into borrower profiles, loan terms, and performance metrics.