€144.1M+Total Funded
Target returns up to 16.5% per year
Invest in vetted business loans across Europe starting from just €50 on Maclear
Crowdfunding websites that fund real businesses
Maclear in numbers right now
Thousands of investors across the EEA already use Maclear to allocate capital into collateralized business loans with target returns up to 16.5% per year
€13.1M+Interest paid
Minimum investment starting at €50
2.1K+Funded projects
Interest paid to investors monthly
52.4K+Registered investors
Every loan backed by collateral
€2.0M +Provision Fund
Internal borrower ratings from AAA to D
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How crowdfunding websites actually work
From registration to earning interest, here is the full process on Maclear
Register and verify your identity
Create your Maclear account and complete the required verification steps. This is standard procedure for all investors joining the platform. Not all crowdfunding platforms work with collateralized loans.
Verification keeps the platform compliant and protects all participants from misuse. A crowdfunding investment in loans pays interest monthly.
Add funds to your investment balance
Transfer euros to your settlement balance via bank transfer. This balance does not earn interest and is not a deposit account.
Your balance is not covered by deposit insurance. Only invest amounts you can afford to lose. You can invest in business loans directly on Maclear.
Browse available loan projects
Each listing shows borrower details, collateral type, internal rating, loan term, and the target annual return. Review them before committing funds.
Ratings range from AAA to D and reflect internal risk assessment, not a repayment guarantee.
Invest from €50 per loan
Choose one or several projects and allocate at least €50 per loan. You buy assigned loan claims rather than lending directly to the borrower.
Spreading capital across multiple loans and geographies can help manage concentration risk.
Receive monthly interest payments
Interest is paid monthly into your investment balance. Principal is repaid at the end of the loan term, not in monthly instalments.
Late payments or defaults can delay or reduce what you receive. A Provision Fund may partially cover delays.
Reinvest or withdraw your funds
When interest or principal arrives, you can reinvest into new projects or withdraw to your bank account. Liquidity depends on loan terms.
There is no instant exit. Your capital stays committed until the loan matures or is repaid early.
Why investors choose crowdfunding websites like Maclear
Maclear gives EU and EEA retail investors direct access to collateralized business loans with clear terms and monthly interest
0% Target returns up to 16.5% per year
No fees for deposits, investments or withdrawals.
28,003 +Collateral on every listed project
A growing community built around transparent investing.
€1,712 +Low entry point at just €50 per loan
Average amount invested by active users each month.
€139 +Monthly interest credited to your balance
Average interest paid to active investors each month.
Featured loan projects on Maclear
Browse current opportunities with full borrower details, collateral information, ratings, and target returns before you commit any capital.
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 every investor
Maclear gives you the information and settings to manage your portfolio
Internal borrower ratings from AAA to D
Each borrower is scored internally. Ratings reflect assessed risk but do not guarantee repayment of principal or interest.
Collateral and loan-to-value framework
Each project has collateral. Lower LTV provides greater protection against borrower default, whereas higher LTV involves increased risk.
Provision Fund for payment delays
A shared reserve can help with temporary payment delays but doesn't insure or guarantee you'll recover your full investment.
Detailed project pages with full terms
Before investing, review the borrower profile, loan purpose, collateral type, term length, and target return on each project page.
Portfolio overview and reporting
Track your active investments, earned interest, and upcoming repayments in one dashboard. Annual statements are available for tax purposes.
Auto-invest with custom filters
Define your preferred rating range, loan term, and amount per project. Maclear matches new listings to your criteria automatically.
European business lending is growing fast
As of 2026 demand for alternative business financing across Eastern and Central Europe continues to rise, creating opportunities for investors willing to accept borrower and platform risk
Explore projects
Performance that speaks for itself
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 projects
€12M +Secondary Market volume
Target returns up to 16.5% per year on select loans
9,308 +Secondary Market participants
Interest paid monthly into your balance
Three steps to start on Maclear
From sign-up to your first investment in minutes, not days
Create your account and get verified
Register with your details and complete identity checks
Fund your investment balance in euros
Transfer funds via bank transfer to your balance
Pick loans and invest from €50
Choose projects that match your risk appetite
Loyalty rewards for active investors
Maclear rewards consistent investors with bonus interest tiers, giving long-term participants an extra edge on their portfolio returns
Bonus interest for higher invested volumes
Larger portfolios may qualify for loyalty bonuses
Tiered rewards that grow with your activity
The more you invest, the better the tier
No separate application needed
Loyalty benefits are applied automatically to your account
Transparent tier structure you can track
Check your current tier and progress in the dashboard
Join a growing community of European investors
About Maclear and how it works
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors with pre-screened business borrowers. Investors purchase assigned loan claims, not lend directly. Investment capital is at risk, including potential defaults, limited liquidity, and partial or total loss.
Transparency at every level of investing
Maclear discloses borrower information, collateral details, internal ratings, and loan performance for all projects. Annual statements assist with earnings reporting. Review fees in the terms before investing. Maclear offers no tax advice; tax implications vary by location and situation. This isn't investment advice or personalized guidance.
- Full borrower and project details on every listing
- Collateral type and LTV disclosed per loan
- Internal ratings from AAA to D for each borrower
- Monthly interest and repayment tracking in your dashboard
- Annual statements available for tax reporting purposes
- Provision Fund status visible to all investors
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about crowdfunding websites and Maclear
Maclear allows European investors to start with just €50 per loan. This low entry point makes peer-to-peer lending accessible to a broader range of participants seeking regular income from business loan investments.
All borrowers receive an internal rating ranging from AAA to D based on Maclear's risk evaluation process. These ratings reflect the platform's assessment of creditworthiness, though they do not guarantee repayment.
Every loan on Maclear is backed by collateral, providing an additional layer of security for investors. The specific collateral type and value appear in each loan listing before investment.
Target annual returns on Maclear reach up to 16.5%, depending on the loan term and borrower rating selected. Returns vary across different loan products and risk profiles.
Interest earned from loans is paid to investors on a monthly basis. This regular income stream allows participants to monitor returns and reinvest or withdraw funds as needed.
Maclear serves thousands of investors across the European Economic Area. The platform connects borrowers and lenders within this broader regulatory region.
New investors must register and complete identity verification before accessing the platform. This standard procedure protects all participants from misuse.
Each loan listing displays the borrower's details, collateral type, internal rating, loan term length, and target annual return. This transparency allows investors to evaluate opportunities before committing capital.
No, Maclear is not a bank deposit account and balances are not covered by deposit insurance. Investors should only allocate funds they can afford to lose.
Spreading capital across multiple loans and different geographic regions within the EEA can help manage concentration risk. The €50 minimum per loan supports this diversification strategy.
Crowdfunding websites on peer-to-peer platforms aggregate capital from many individual investors to fund vetted business loans. Borrowers obtain collateralized financing while investors receive monthly interest payments.
Investors purchase assigned loan claims rather than lending money directly to borrowers. This structure clarifies ownership rights and simplifies the secondary market for loan positions.
Once funds are allocated to loans, investors receive monthly interest payments automatically. The investment period continues until the loan matures or is repaid early by the borrower.
