€144.1M+Total Funded
Target returns up to 16.5% per year
Invest from €50 in collateralized business loans across Europe with Maclear
Crowdfunding that connects you to real businesses
Maclear crowdfunding at a glance
Thousands of investors already use Maclear to fund business loans across Europe, earning monthly interest while borrowers grow their companies
€13.1M+Interest paid
Minimum investment starts at just €50
2.1K+Funded projects
Interest paid to your account monthly
52.4K+Registered investors
Every loan backed by collateral
€2.0M +Provision Fund
Internal AAA-D borrower scoring system
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How crowdfunding works on Maclear
From registration to monthly interest, here is each step explained
Create your account
Register on Maclear and complete the required verification steps. The process takes a few minutes and opens access to all available loan projects.
Quick sign-up with identity verification before you can browse and invest in listed projects.
Add funds to your balance
Transfer euros to your investment balance via bank transfer. This balance is not a bank deposit and is not covered by deposit insurance.
Your funds sit in an investment balance until you allocate them to specific loans or withdraw.
Browse vetted loan projects
Each project shows the borrower rating, interest rate, collateral type, loan-to-value ratio and term length so you can compare before committing.
Filter by rating, term and interest rate to find loans that match your risk tolerance and goals.
Invest from €50 per loan
Choose the amount you want to allocate. You buy assigned loan claims, meaning the borrower's obligation passes to you as the investor.
Small minimums let you spread your funds across multiple loans, geographies and borrower types.
Receive interest every month
Interest is paid monthly to your investment balance. Principal is repaid at the end of the loan term. You can reinvest or withdraw at any time.
Monthly cash flow from interest, with principal returned when the loan matures according to its schedule.
Monitor and reinvest
Track every loan in your dashboard. When repayments arrive, reinvest into new projects or withdraw your funds back to your bank account.
Full visibility on your portfolio performance, repayment status and upcoming maturities in one dashboard.
Why investors choose Maclear for crowdfunding
Collateralized business loans, monthly interest and an internal scoring model give you the tools to make informed decisions
0% Collateral on every loan reduces exposure to loss
No fees for deposits, investments or withdrawals.
28,003 +Internal AAA-D ratings help you assess borrower risk
A growing community built around transparent investing.
€1,712 +Provision Fund may absorb some delays or partial losses
Average amount invested by active users each month.
€139 +Diversify across borrowers, sectors and EU geographies
Average interest paid to active investors each month.
Featured crowdfunding projects on Maclear
Explore currently open business loans, review borrower ratings and collateral details, then invest from €50.
Investment Calculator
Promotions
Loyalty bonus 
Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Tools and controls for smarter crowdfunding
Everything you need to manage risk and monitor your investments
Borrower scoring from AAA to D
Each borrower is graded on an internal scale. Scoring reflects assessed risk but does not guarantee repayment.
Collateral and loan-to-value ratios
Lower LTV means more asset coverage relative to the loan. Higher LTV may carry higher risk and higher interest.
Provision Fund reserve
A shared reserve that may support timely interest during temporary delays. It is not insurance and cannot guarantee full repayment.
Detailed project pages
Every listing includes borrower background, financials, collateral type, interest rate and term so you can decide with real data.
Portfolio dashboard
See your active investments, expected payments, historical returns and any overdue statuses in one place.
Flexible withdrawal
Uninvested funds on your balance can be withdrawn to your bank account. Invested capital is available after loan repayment.
Business lending across European markets
Investor capital from Western and Northern Europe flows into SME loans and real estate projects in Central and Eastern European markets where demand for funding remains strong
Explore projects
Growing community of crowdfunding investors
Maclear connects a growing base of EU and EEA retail investors with vetted business borrowers seeking capital for expansion, equipment and real estate projects
€12M +Secondary Market volume
Millions in euros funded across business loan projects
9,308 +Secondary Market participants
Investors from dozens of EU and EEA countries
Three steps to start crowdfunding on Maclear
Registration takes minutes, and your first investment starts at €50
Step one: register and verify your identity
Complete the sign-up process in a few minutes
Step two: fund your investment balance
Transfer euros via bank transfer to your account
Step three: pick a loan and invest
Choose a project, set your amount from €50
Rewards for active Maclear investors
The more you invest and the longer you stay, the more benefits you can access through the Maclear loyalty programme
Tiered programme based on invested volume
Higher tiers may offer bonus interest or perks
Reward long-term commitment on the platform
Staying invested over time can increase your tier
Referral bonuses for inviting new investors
Earn a bonus when referred friends start investing
Transparent conditions published on the platform
Check current tier thresholds and benefits anytime
Join a community of European crowdfunding investors
About Maclear and how we operate
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors with screened business borrowers. Investors purchase assigned loan claims. All capital is at risk, including potential defaults, limited liquidity, and partial or total investment loss.
Transparency you can actually verify
Every project on Maclear comes with published borrower data, collateral details and risk ratings. We share portfolio statistics openly so you can assess what you are investing in. This information is not investment advice and does not take your individual circumstances into account.
- Borrower financials published on each project page
- Collateral type and loan-to-value ratio disclosed
- Internal AAA-D risk rating visible before you invest
- Platform-level portfolio statistics updated regularly
- Provision Fund status shared with investors
- Annual statements available for your tax reporting
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Frequently asked questions about crowdfunding on Maclear
Maclear allows investors to start with just €50 per loan. This low entry point makes it accessible for those building a diversified portfolio across multiple European business loans.
Every loan offered on the platform is backed by collateral. Maclear uses an internal AAA-D borrower scoring system to assess risk and ensure each project meets lending standards before listing.
Target returns reach up to 16.5% per year, depending on the loan rating and term selected. Interest is paid directly to investor accounts on a monthly basis.
Creating a Maclear account requires identity verification and takes a few minutes. Once approved, you gain access to all available loan projects and can begin transferring funds to your investment balance.
Investment balances on Maclear are not bank deposits and are not covered by deposit insurance. Funds sit in your balance until you allocate them to specific loans or choose to withdraw.
Each loan project displays the borrower rating, interest rate, collateral type, loan-to-value ratio and term length. Investors can filter by these metrics to match their risk profile and investment goals.
Yes. The €50 minimum per loan encourages spreading capital across different borrowers, geographies and risk profiles. This approach reduces concentration risk in a single project.
Transfer euros to your Maclear investment balance via bank transfer. The balance functions as a holding account from which you allocate funds to specific loans when ready.
You purchase assigned loan claims, meaning the borrower's repayment obligation transfers to you as the investor. Monthly interest payments flow directly to your account throughout the loan term.
Thousands of European investors use Maclear to fund business loans, earning monthly interest while supporting company growth across the continent. The platform serves individuals seeking returns beyond traditional savings.
Maclear employs an internal AAA-D borrower scoring system to assess creditworthiness and risk. This classification helps investors understand each loan's relative safety before committing capital.
Maclear connects individual investors directly to European businesses seeking collateralized loans, bypassing traditional banking intermediaries. Lower minimums and competitive returns reflect the efficiency of peer-to-peer lending at scale.
