€144.1M+Total Funded
Target returns up to 16.5% per year
Invest in vetted business loans across Europe starting from just €50
Crowdfunding platforms that fund real businesses
Maclear crowdfunding platform in numbers
Thousands of investors across Europe already use Maclear to access collateralized business loans with target returns up to 16.5% per year
€13.1M+Interest paid
Minimum investment of just €50 per loan
2.1K+Funded projects
Interest paid monthly to your balance
52.4K+Registered investors
All loans backed by borrower collateral
€2.0M +Provision Fund
Internal AAA-D scoring on every borrower
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How crowdfunding platforms actually work
From registration to monthly interest, here is the full process
Create your investor account
Register on Maclear, complete the verification process, and get access to available loan projects within minutes. Crowdfunding websites like Maclear list vetted business loans.
Account setup is straightforward. You provide your details and go through standard identity checks before investing.
Browse available loan projects
Each listed project includes borrower details, loan term, interest rate, collateral type, and the internal risk rating from AAA to D. Private crowdfunding gives individual investors access to business loans.
Review each opportunity carefully. Ratings and collateral details help you assess risk, but they do not guarantee repayment.
Invest from €50 per project
Choose how much to allocate to each loan. Spreading your investment across multiple projects and geographies helps manage concentration risk.
You purchase assigned loan claims, not direct lending contracts. The minimum per project is €50.
Receive monthly interest payments
Interest is paid monthly to your investment balance. Principal is repaid at the end of the loan term, not in monthly installments.
Monthly interest gives you regular cash flow, while principal repayment happens at maturity of the loan.
Track everything on your dashboard
Monitor active investments, upcoming payments, and portfolio performance in one place. Alternative investing on Maclear starts from €50. Download statements for your annual tax filing.
Your dashboard shows live data on each loan. Maclear does not provide tax advice; consult a local adviser.
Reinvest or withdraw your returns
When interest or principal arrives, you decide whether to reinvest into new projects or withdraw to your bank account.
Your balance isn't locked, but invested funds remain committed until the loan matures or you sell on secondary markets.
Why investors choose crowdfunding platforms
Crowdfunding platforms like Maclear give retail investors direct access to business lending opportunities that banks once kept to themselves
0% Access to business loans across European markets
No fees for deposits, investments or withdrawals.
28,003 +Target returns up to 16.5% per year
A growing community built around transparent investing.
€1,712 +Collateralized loans with internal risk scoring
Average amount invested by active users each month.
€139 +Low entry point starting at €50 per loan
Average interest paid to active investors each month.
Featured loan projects on Maclear
Explore current business loan opportunities across Eastern and Central Europe, each reviewed and scored by Maclear's internal team.
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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.
Risk controls built into every loan
Multiple layers of review help manage risk before you invest
Borrower screening and verification
Every borrower goes through internal checks covering financials, business history, and repayment capacity before listing.
Internal AAA-D risk rating
Each project receives a risk grade. Higher-rated loans typically offer lower interest, reflecting lower estimated default probability.
Collateral on every project
Loans are backed by collateral. A lower loan-to-value ratio means more protection if the borrower runs into difficulty.
Provision fund for payment delays
A shared reserve may help absorb temporary repayment delays. It is not insurance and does not guarantee full repayment.
Loan-to-value framework
Maclear evaluates collateral value relative to the loan amount. Higher LTV can carry higher risk and higher interest.
Diversification across loans and regions
Spread investments across multiple borrowers, sectors, and geographies to reduce the impact of any single default.
European crowdfunding market in 2026
With EU rules for crowdfunding platforms now well established, more retail investors are diversifying into business loans across borders than ever before
Explore opportunities
Portfolio performance at a glance
Maclear investors can target returns up to 16.5% per year, while many loans on the platform pay around 14.5% per year before defaults and taxes
€12M +Secondary Market volume
Target returns up to 16.5% per year on individual loans
9,308 +Secondary Market participants
Average around 14.5% per year before defaults and taxes
Start investing in three simple steps
From sign-up to your first investment in minutes
Register and verify your identity
Complete the sign-up and standard verification process
Fund your investment balance
Transfer euros from your bank account
Pick a loan and invest from €50
Choose a project that matches your risk appetite
Loyalty rewards for active investors
The more you invest and the longer you stay, the more benefits you can access on the Maclear platform
Tiered bonuses based on invested amount
Larger portfolios may qualify for added benefits
Priority access to new loan projects
Be among the first to invest in fresh listings
Referral bonuses for bringing new investors
Earn rewards when friends join and invest
Long-term investor recognition
Consistent investing over time builds your tier level
Join a growing community of European investors
About Maclear as a crowdfunding platform
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors with verified business borrowers. Investors purchase assigned loan claims secured by collateral. Risks include potential loan defaults, limited liquidity, and partial or total capital loss.
Transparency you can actually verify
Maclear openly shares loan details, borrower data, and portfolio metrics. Each project displays risk ratings, collateral types, and loan-to-value ratios. This information isn't investment or tax advice and doesn't consider your personal circumstances or location.
- Full loan terms visible before you invest
- Borrower details and financials disclosed per project
- Internal risk rating from AAA to D
- Collateral type and LTV shown on each listing
- Downloadable statements for tax reporting
- Regular platform performance updates published
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Frequently asked questions about crowdfunding platforms
Maclear allows investors to start with just €50 per loan project. This low entry point makes European business lending accessible to a broad investor base without requiring substantial capital upfront.
Each borrower receives an internal risk rating from AAA to D based on creditworthiness and business metrics. All loans are backed by collateral, providing an additional layer of security for investors making lending decisions.
Interest accrues monthly and is paid directly to your investment balance. Principal repayment occurs at the end of the loan term, creating regular monthly cash flow while capital works through the full loan period.
Target returns reach up to 16.5% per year depending on loan term and risk profile. Actual returns vary by project selection, with higher-rated loans typically offering lower yields and lower-rated loans offering higher potential returns.
Maclear operates across Europe, enabling investors to diversify geographically beyond their home market. This geographic spread helps reduce concentration risk and provides exposure to multiple regional economies and business sectors.
Registration and identity verification complete within minutes on Maclear. Investors gain immediate access to available loan projects once their account passes Maclear's standard verification checks.
Each project details the borrower's background, loan term, interest rate offered, collateral type held, and the platform's internal risk rating. This transparency allows investors to compare opportunities and make informed allocation decisions across their portfolio.
Diversification across projects and geographies is strongly encouraged to manage concentration risk. Spreading capital reduces exposure to any single borrower default while building a balanced portfolio of European business loans.
All loans listed on Maclear are backed by borrower collateral, reducing lender exposure in default scenarios. Collateral type varies by loan and is disclosed in each project listing for investor review.
Investors purchase assigned loan claims rather than direct lending contracts with borrowers. This legal structure streamlines the investment process and ensures proper registration within the platform's framework.
Thousands of investors across Europe already access collateralized business loans through Maclear's platform. This growing investor base demonstrates increasing adoption of alternative lending among retail and institutional participants.
While collateral provides protection, defaults are not guaranteed to recover full principal. Investors should review each loan's risk rating and collateral details carefully, as these do not eliminate repayment risk entirely.
