€144.1M+Total Funded
Target returns up to 16.5% per year
Invest from €50 in vetted business loans and target returns up to 16.5% per year
Crowdfunding investment that works for you
The numbers behind your portfolio
Maclear connects EU and EEA investors with collateralized business loans across Europe, offering potential returns up to 16.5% per year with interest paid monthly
€13.1M+Interest paid
Minimum investment starting at €50
2.1K+Funded projects
Interest paid to your account monthly
52.4K+Registered investors
Collateralized loans with internal LTV framework
€2.0M +Provision Fund
Borrowers scored on an AAA-D internal scale
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How crowdfunding investment works on Maclear
From registration to monthly interest, here is the full process
Create your investor account
Register on Maclear and complete the verification process. It takes a few minutes and you can begin browsing available loans right away. Every crowdfunding website should disclose borrower and collateral details.
Quick registration with identity verification before you can invest in any project.
Add funds to your balance
Transfer euros to your settlement balance via bank transfer. This balance is not a bank account and is not covered by deposit insurance.
Your investment balance holds funds for investing and withdrawals but does not earn interest on its own. Learn how to make passive income with monthly loan interest.
Browse and select loan projects
Each listed project shows the borrower rating, interest rate, term length, collateral type and loan-to-value ratio so you can compare before committing. Choosing a crowdfunding platform starts with its track record.
Review borrower details, collateral and internal ratings to decide which loans match your risk appetite.
Invest from €50 per loan
Choose how much to allocate to each project. You buy assigned loan claims rather than lending directly, so the legal structure is clear from the start.
You acquire loan claims through an assignment structure, not a direct lending relationship with the borrower.
Receive monthly interest payments
Interest is paid monthly to your balance. Principal is repaid at the end of the loan term. You can reinvest interest or withdraw it at any time.
Interest arrives monthly while principal returns when the loan matures, giving you regular cash flow throughout the term.
Monitor and diversify over time
Track all active investments from your dashboard. Spread capital across multiple loans, sectors and geographies to reduce concentration risk.
Diversification across loans and regions helps manage risk, though it cannot eliminate the possibility of loss.
Why investors choose Maclear for crowdfunding
A Swiss crowdlending platform connecting EEA investors with collateralized business loans and potential returns up to 16.5% per year
0% Potential returns up to 16.5% APR on business loans
No fees for deposits, investments or withdrawals.
28,003 +Every loan backed by collateral with LTV assessment
A growing community built around transparent investing.
€1,712 +Provision fund to help absorb temporary repayment delays
Average amount invested by active users each month.
€139 +Low entry point at just €50 per investment
Average interest paid to active investors each month.
Featured crowdfunding investment opportunities
Browse current loan projects with full details on borrower ratings, collateral, interest rates and terms before you invest.
Investment Calculator
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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 every investor
Everything you need to manage crowdfunding investments in one place
Real-time portfolio dashboard
See your active investments, earned interest, upcoming maturities and overall portfolio performance at a glance.
Internal borrower ratings from AAA to D
Every borrower is scored internally. Higher ratings reflect lower assessed risk, though no rating can guarantee repayment.
Collateral and LTV details per loan
Check what secures each loan and the loan-to-value ratio. Lower LTV generally means more protection if problems arise.
Auto invest with custom parameters
Define your preferred interest rate, term length and loan rating. New matching projects receive your capital automatically.
Monthly interest tracking
Interest is credited monthly and visible in your account. Reinvest it or withdraw — the choice is always yours.
Provision fund status
The provision fund may help with temporary payment delays but does not guarantee full repayment of principal or interest.
European business loans as an asset class
With EU interest rates remaining higher than in the previous decade, crowdfunding investment in business loans offers an alternative to traditional fixed income for investors willing to accept real risk
Explore the market
Growing investor trust in numbers
Maclear has connected thousands of European investors with vetted business borrowers since launch, funding real projects across multiple sectors and geographies
€12M +Secondary Market volume
Many loans pay around 14.5% per year before defaults and taxes
9,308 +Secondary Market participants
Investors across the EEA participate in business loan funding
Start your crowdfunding investment in three steps
From sign-up to your first monthly interest payment
Step one — register and verify your identity
Create an account and complete the screening process
Step two — fund your balance and pick loans
Transfer euros and choose projects that match your goals
Step three — earn monthly interest on your investments
Interest is paid monthly, principal at the end of the term
Loyalty benefits for active investors
The more you invest and the longer you stay, the more Maclear rewards your commitment with exclusive perks and improved terms
Tiered bonuses based on invested volume
Higher portfolio levels can earn additional interest bonuses
Priority access to new loan listings
Be among the first to invest in freshly listed projects
Referral rewards for inviting other investors
Earn a bonus when someone you refer starts investing
Dedicated support for top-tier accounts
Larger portfolios get faster response times and personal guidance
Join a growing community of European investors
About Maclear and how it operates
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors with verified business borrowers. Investors purchase assigned loan claims. Capital is at risk, including potential defaults, limited liquidity, and possible partial or total loss of invested funds.
Transparency at every level of the platform
Each Maclear loan displays borrower information, collateral details, loan-to-value ratio, and credit rating. Track exactly where your funds are invested and what secures them. This isn't investment advice or tailored guidance. Returns aren't guaranteed and past performance doesn't indicate future outcomes.
- Full borrower and project details published per loan
- Collateral type and LTV ratio disclosed before you invest
- Internal AAA-D scoring visible on every listing
- Monthly interest payments tracked in your dashboard
- Provision fund status available for review
- Annual statements ready for your tax reporting needs
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about crowdfunding investment on Maclear
Investors can begin with €50 per loan on Maclear. This low entry point allows diverse portfolio construction across multiple projects without requiring substantial upfront capital.
Interest payments flow directly to investor accounts on a monthly schedule. Returns derive from the underlying loan interest, with timing aligned to borrower payment cycles.
Maclear funds collateralized business loans where assets secure each advance. An internal loan-to-value framework manages risk exposure, with specific collateral types disclosed per project listing.
Maclear applies an internal AAA-D rating scale to assess borrower creditworthiness. Each loan listing displays the assigned rating so investors evaluate risk before committing capital.
The platform connects EU and EEA investors with business loans issued across Europe. Geographic diversity across European markets provides investment exposure to several economies.
New investors complete identity verification within minutes on Maclear. Once approved, accounts unlock immediate access to browse available loan projects and transfer funds.
Investors purchase assigned loan claims rather than lending directly to borrowers. This assignment structure clarifies ownership rights and establishes clear legal standing from inception.
Target returns reach up to 16.5% annually depending on project selection and risk tolerance. Actual outcomes vary by individual loan terms, borrower performance, and market conditions.
Investors deposit euros via bank transfer into a settlement balance. This balance functions for investing and withdrawals but carries no deposit insurance coverage or standalone interest accrual.
Each project displays borrower rating, interest rate, term length, collateral category and loan-to-value ratio upfront. This transparency enables informed comparison across available opportunities before investment.
Investors allocate capital across numerous projects to build diversified portfolios. The €50 minimum per loan encourages spreading risk across borrowers, rates and collateral types.
