€144.1M+Total Funded
Target returns up to 16.5% per year
Invest in vetted European SME loans and receive monthly interest payments on Maclear
Earn passive income from real business loans
The numbers behind your income stream
Maclear connects EU and EEA investors with collateralized business loans across Europe, offering target returns up to 16.5% per year with interest paid monthly and principal returned at term end
€13.1M+Interest paid
Minimum investment starts at just €50
2.1K+Funded projects
Interest paid to your account every month
52.4K+Registered investors
Collateralized loans with internal LTV assessment
€2.0M +Provision Fund
Provision Fund to help cover temporary delays
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about earning on Maclear
How you actually earn passive income here
From registration to monthly interest, here is how it works step by step
Pick a loan that fits your goals
Browse available business loans from vetted SMEs across Central and Eastern Europe. Each listing shows the interest rate, term length, collateral type, and internal risk grade. See how to generate passive income with business lending.
Every loan is scored on an internal AAA-D scale so you can compare risk before committing a single euro. Compare investments in business loans by rating and term.
Invest from €50 per loan
Allocate as little as €50 into any single loan. Spread your capital across multiple borrowers and sectors to reduce concentration risk.
Diversifying across loans, industries, and geographies is one of the most practical ways to manage default risk in your portfolio.
Receive monthly interest payments
Once the loan is funded, interest is paid monthly into your Maclear balance. You can make passive income without managing anything daily. Principal is repaid at the end of the loan term, not during.
Monthly cash flow gives you a predictable income rhythm, though actual amounts depend on borrower performance and repayment timing.
Collateral backs every project
Loans on Maclear are backed by collateral. A lower loan-to-value ratio means more protection if the borrower runs into difficulty, while higher LTV can carry higher risk and higher interest.
Collateral does not eliminate loss. But it provides a recovery path if a borrower defaults on repayment obligations.
Provision Fund adds a buffer
The Provision Fund is a shared reserve that may help absorb some delays or partial losses. It supports timely interest payments during temporary repayment delays.
The fund isn't insurance and doesn't guarantee full repayment. It's one layer in a broader risk structure.
Reinvest or withdraw when terms end
When principal returns at term end, you can reinvest into new loans or withdraw to your bank account. There is no lock-in beyond the original loan term.
Reinvesting repaid principal into additional loans can multiply your earnings over time, but each new loan has its own risk.
Why investors choose Maclear for income
Collateralized business loans, monthly interest, and a minimum of just €50 make Maclear accessible to everyday European investors
0% Monthly interest creates a regular income rhythm
No fees for deposits, investments or withdrawals.
28,003 +Every loan is collateralized with internal LTV review
A growing community built around transparent investing.
€1,712 +Spread across borrowers, sectors, and countries from €50
Average amount invested by active users each month.
€139 +Internal AAA-D scoring helps you compare risk clearly
Average interest paid to active investors each month.
Featured loans available right now
Explore current business loan opportunities with detailed risk grades, collateral info, and projected returns. Capital is at risk.
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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.
You stay in control of your investments
Every tool you need to manage risk and build your income portfolio
Choose your own loans manually
Review each loan listing, check the borrower grade, collateral, and term length before you invest a single euro.
Set auto-invest rules to match your preferences
Define interest range, loan term, and risk grade. Auto-invest picks matching loans so you do not miss new opportunities.
Diversify across multiple borrowers
Spreading your capital across many loans reduces the impact if one borrower defaults. Concentration is a real risk in crowdlending.
Track your portfolio performance in real time
Your dashboard shows active loans, accrued interest, repayment schedules, and overall portfolio health at a glance.
Review internal risk grades before investing
Maclear scores borrowers on an AAA-D scale. This is an internal risk assessment, not investment advice or a repayment guarantee.
Withdraw funds when loan terms end
After repaying principal at maturity, withdraw your balance to your bank without hidden fees or penalties.
European SME lending is a growing opportunity
Small and medium businesses across Central and Eastern Europe need growth capital, and investors in the EU and EEA can earn income by funding those loans through platforms like Maclear
Explore the market
Income potential at a glance
Many loans on Maclear pay around 14.5% per year before defaults and taxes, with the maximum target return reaching up to 16.5% per year on selected projects
€12M +Secondary Market volume
Target returns up to 16.5% per year on selected loans
9,308 +Secondary Market participants
Interest paid monthly, principal repaid at term end
Three steps to start earning passive income
Register, fund your balance, and invest in your first loan today
Create your Maclear account in minutes
Complete your registration and verification process online
Fund your investment balance via bank transfer
Transfer euros to your Maclear balance to get started
Invest from €50 into your chosen loans
Pick loans manually or activate auto-invest for convenience
Loyalty benefits for committed investors
The more you invest and the longer you stay active on Maclear, the more benefits become available to your account over time
Higher tier means better access to new loans
Active investors may get priority allocation on new listings
Earn bonus interest on qualifying investments
Loyalty bonuses can increase your effective return rate
Referral rewards for inviting fellow investors
Refer friends and both of you may receive a bonus
Dedicated support for high-volume portfolios
Larger portfolios may qualify for personal account assistance
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 verified business borrowers. Investors purchase assigned loan claims. Monthly interest payments with principal repaid at maturity. All capital is at risk of partial or total loss.
Transparency you can verify yourself
Every Maclear loan includes public borrower profiles, collateral data, risk ratings, and complete documentation. We believe transparency empowers better investment decisions. This information isn't investment or tax advice and doesn't consider your individual circumstances or residency.
- Published borrower profiles and business summaries
- Collateral type and loan-to-value details per loan
- Internal AAA-D risk grades for every borrower
- Full loan agreement documentation before you invest
- Real-time portfolio dashboard and repayment tracking
- Annual statements for your personal tax reporting needs
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about earning passive income on Maclear
Maclear offers target returns up to 16.5% per year on collateralized business loans across Europe. Interest is paid monthly to your account, with principal returned at the end of the loan term.
Investors can begin with a minimum of €50 per loan. This low entry point allows you to diversify across multiple borrowers and sectors without requiring significant upfront capital.
Interest payments arrive in your Maclear account every month while the loan is active. Your principal investment is returned in full at the end of the agreed loan term.
Every loan on Maclear is collateralized and assessed using an internal loan-to-value evaluation. This means borrowers pledge assets as security, reducing your risk if repayment falters.
Maclear connects EU and EEA investors with vetted small and medium-sized enterprises across Europe, particularly in Central and Eastern Europe. Geographic diversification helps protect against region-specific economic shocks.
Each business loan receives an internal risk grade on an AAA-D scale. Loan listings display the interest rate, term length, collateral type, and risk classification so you can make informed decisions before committing capital.
Yes. Diversifying across different loans, industries, and geographies is a practical approach to managing default risk. Allocating €50 to many loans reduces the impact of any single borrower's failure.
Maclear maintains a Provision Fund designed to help cover temporary repayment delays. This buffer aims to protect your expected monthly interest stream during periods when borrowers face short-term liquidity challenges.
Your principal investment is repaid at the loan term's conclusion, not in installments during the loan period. Monthly payments cover interest only, preserving your capital for the duration of the investment.
EU and EEA investors can participate. The platform connects individual and institutional investors with vetted business borrowers seeking capital for growth and operations across the European SME market.
As of 2026, traditional savings accounts offer rates below 3% annually. Maclear's target returns of up to 16.5% per year, combined with monthly income payments and collateral backing, provide substantially higher passive income potential for risk-aware investors.
