121M
+
Total Funded
Capital invested across European business loan projects.
Invest in European business loans
Swiss-regulated P2P investment platform
Maclear Platform in Numbers
A transparent view of funded projects, investor activity and interest paid through the platform.
10.6M
+
Interest paid
Interest payments received by investors to date.
1.8K
+
Funded projects
Business loan opportunities funded through Maclear.
44.2K
+
Registered investors
A growing investor community across Europe.
€2.0M
+
Provision Fund
A reserve designed to support scheduled interest payments.
Investors receiving payouts
Investors who received at least one interest payment each month.
Trusted by investors across Europe
Verified
Verified
Excellent investment choice
Already 1.5 years investing in Maclear with excellent results
Verified
Maclear is, in one word, reliable.
Maclear is, without any doubt, one of the very best places to invest today. It is serious, responsible, predictable, even boring, as the very best investments should be. My experience -for almost a year now- has been great. I would recommend it 1000%.
Verified
Great P2P platform !
This transparent platform offers great % rate for your investments. Project are well selected and described with transparency. Customer service is also good with quick answers.
Verified
Serious platform where everything
Serious platform where everything is well explained
Verified
User since 2024.
User since 2024. Attractive returns, regular payments,...
Verified
Working like a charm atm
Rated 4.5 / 5 based on 779 reviews . Showing our 4 & 5 star reviews.
How Maclear works
From borrower screening to scheduled investor payments.
Business Application
European Businesses Apply for Funding
European companies apply for financing to support growth, expansion and equipment purchases.
Verified Before Listing
Due Diligence, AML & Compliance Checks
Maclear completes due diligence, AML verification and compliance checks before a project is listed.
Risk Reviewed by Experts
Professional Evaluation of Every Opportunity
Each project is assessed for repayment capacity, collateral quality and overall financial stability.
Protected by a Collateral Agent
Independent Collateral Oversight
Collateral is secured and monitored by an independent Collateral Agent throughout the investment period.
Start From €50
Choose Verified Projects
Invest from €50 and build a diversified portfolio across approved business loan opportunities.
Receive Regular Returns
Interest Payments Under Project Terms
Borrowers make scheduled payments, and investors receive interest according to the agreed project terms.
Why investors choose Maclear
A transparent P2P platform for investors exploring alternative investments and European business loans.
0%
No hidden platform fees
No fees for deposits, investments or withdrawals.
28,003
+
Active investors
A growing community built around transparent investing.
€1,712
+
Average monthly investment
Average amount invested by active users each month.
€139
+
Average monthly interest
Average interest paid to active investors each month.
Automate your investing
Set your preferences for country, risk score and target rate. AutoInvest can place investments when matching projects appear.
Start with €50
Featured investment projects
Explore selected P2P loans for loan investing, with collateral, financials and credit history reviewed before listing.
Wholesale Electronics
Supplies consumer electronics to major retailers and telecomes like Technomarket and Magnum-D
- Loan Amount
- €600,000
- Term
- 16 months
- Yield (APR)
- 15.1%
JINTEKI
Processes, freezes and dries fruits and vegetables in a modern, fully equipped organic-focused production facility
- Loan Amount
- €900,000
- Term
- 14 months
- Yield (APR)
- 14.9%
Datra Ltd
Supply, installation and maintenance of agricultural and food equipment
- Loan Amount
- €950,000
- Term
- 12 months
- Yield (APR)
- 14.6%
Investment Calculator
Future value in 6 years
€8000
Start with €50
Average annual return 17.6%
Earned return €460
Promotions €0
Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Investor safeguards and risk controls
Safeguards reduce certain risks but do not eliminate investment risk
Due Diligence
Every borrower passes a multi-stage review covering ownership, financials, AML checks, and credit history
Compliance Checks
Borrowers are verified through AML, KYC, and KYB procedures before a project is approved
Scoring and Risk Assessment
Each project receives a risk score based on financial strength, collateral quality, and country risk
LTV and Debt/Equity Review
Maclear reviews leverage and collateral coverage using Debt-to-Equity and Loan-to-Value ratios
Collateral-Backed Loans
Every project is collateralized with real-sector assets such as property, equipment, or receivables
Maclear as Collateral Agent
Maclear verifies collateral pledges and manages recovery procedures on behalf of investors
Provision Fund / Reserve Mechanism
A shared reserve designed to support timely interest payments during temporary borrower repayment delays
Transparent Project Terms
Investors can review project terms, collateral details, risk scores, and repayment schedules before investing
Secondary Market and liquidity
Sell an investment before maturity by listing it on the Maclear Secondary Market. List at face value or with a discount of up to 50%. A 2.5% fee applies only after a completed sale. A sale depends on buyer demand and is not guaranteed.
Start with €50
A clearer path to liquidity
A growing space for investors who want more flexibility.
€12M+
+
Secondary Market volume
Total value traded during the last 6 months.
9,308+
+
Secondary Market participants
Investors who traded during the last six months.
3 Easy Steps to Start Investing With Maclear
Create an account, choose projects and track your portfolio.
Register and verify
Create your account and complete verification to access projects.
Choose projects
Review project terms, risk details and repayment schedules.
Track payments
Follow scheduled interest payments and portfolio performance.
Loyalty Rewards
Benefits are available when you meet the relevant programme terms.
Welcome Bonus
Receive €15 when you make your first eligible investment within seven days of registration.
Maclear 3+3 Referral Program
Invite a friend and you can each receive 3% of the eligible investment amount.
Investment Reward
Receive an additional €30 for every €500 invested.
Loyalty Bonus
Earn up to 3% additional annual return on eligible future investments.
Loyalty Rewards
About Maclear's Investment Platform
Maclear is a Swiss-based investment platform created to provide investors with transparent access to carefully selected European business projects.
Switzerland was chosen as our jurisdiction for its strong financial system, strict regulatory standards, and commitment to investor protection. As a Swiss company, we operate within a framework designed to promote transparency, compliance, and reliability. As a peer-to-peer lending platform, Maclear connects investors with businesses seeking financing for growth, equipment and working capital.
Built on years of experience in investment management, risk assessment, and business consulting, Maclear combines proprietary technology with a rigorous project selection process. Every borrower undergoes a comprehensive review of their business model, financial health, management structure, and operational transparency before being listed on the platform.
Built on transparency, not promises
Important information every investor should know
Every investment involves risk. While Maclear applies due diligence, risk assessment, collateral structures, and other safeguards, investors should understand the key risks associated with crowdlending before investing.
- Past performance is not a guarantee of future results
- Capital at risk
- Borrower default risk
- Liquidity is not guaranteed
- No state deposit insurance
- Not a bank deposit
Collateral
and the
Provision Fund
help reduce certain risks, but do not eliminate investment risk.
Frequently Asked Question
Maclear reviews ownership, finances, credit history, compliance and collateral before a project can be listed.
Interest is paid under the project repayment schedule. Timing and amounts depend on borrower performance.
It is a reserve intended to support payments during temporary delays. It is not a guarantee, insurance policy or deposit protection.
Borrowers pledge specified assets. Collateral may support recovery when a borrower does not meet its obligations.
Maclear verifies collateral pledges and coordinates recovery procedures for investors when required.
Maclear monitors the situation and applies the relevant recovery process. Outcomes may vary according to the borrower and project terms.
They help assess leverage, collateral coverage and repayment risk. Review all project details before making an investment.
You can list investments before maturity. A sale depends on buyer demand, and a 2.5% fee applies after a completed sale.
Your tier may unlock benefits on eligible investments. Check current loyalty terms for thresholds and conditions.
There are no fees for deposits, investments or withdrawals. You remain responsible for taxes that apply to you.