121M+Total Funded
Over €120 million funded through the platform
Fund vetted business loans and earn interest on assigned claims
Crowfonding via Maclear
Why investors choose crowfonding
Direct access to business lending with transparent terms, vetted borrowers, and full claim assignment under Swiss law
10.6M+Interest paid
Returns up to 16.5% p.a. before defaults
1.8K+Funded projects
Average loan duration 12–36 months
44.2K+Registered investors
KYC/AML via PolyReg SRO affiliation
€2.0M +Provision Fund
No deposit insurance or return guarantee
Investors receiving payouts
Investors who received at least one interest payment each month.
Rated 4.5 / 5 based on 779 reviews. Showing our 4 & 5 star reviews.
How crowfonding works on Maclear
Six steps from registration to monthly interest payments
Register and verify identity
Identity verification must be completed before proceeding with this action or accessing these features and services.
Upload ID and proof of address; Maclear applies Swiss AML procedures via PolyReg SRO
Browse vetted loan projects
Business borrowers only
Each listing shows loan purpose, term, interest rate, and risk score assigned by Maclear
Choose projects and commit funds
Minimum €100 per loan
You purchase assigned loan claims; funds transfer to borrower after full funding
Borrower repays principal plus interest
Monthly instalments
Payments flow to your Maclear account; you can reinvest or withdraw to your bank
Default protection via reserve fund
Not insurance or guarantee
Reserve may cover overdue payments; does not eliminate risk of total loss
Secondary market for early exit
Sell claims before maturity
Liquidity depends on buyer demand; may sell at discount if borrower rating drops
Why crowfonding appeals to investors
Direct lending, transparent terms, diversification across vetted businesses, and higher yield than many bank deposits
0% Higher interest than savings accounts
No fees for deposits, investments or withdrawals.
28,003 +Direct exposure to business credit risk
A growing community built around transparent investing.
€1,712 +Full transparency on borrower data
Average amount invested by active users each month.
€139 +Diversify across multiple loan projects
Average interest paid to active investors each month.
Featured crowfonding projects
Explore current business loans awaiting funding, sorted by term, rate, and risk category
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 return17.6%
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.
What you can control
Set your own risk tolerance, term preferences, and diversification rules
Minimum and maximum interest rate
Filter out projects below or above your target yield
Loan term range
Choose short-term or long-term business loans
Risk category cap
Exclude borrowers below a certain Maclear rating
Amount per loan
Set fixed or percentage-based allocation
Industry exclusions
Skip sectors you prefer not to fund
Geographic focus
Some projects may list borrower country
Reinvestment toggle
Automatically recycle repayments into new loans
Reserve fund eligibility
Require projects covered by the reserve or accept all
Secondary market for crowfonding claims
Sell your assigned loan claims early or buy claims from other investors at negotiated prices before loan maturity
View market
Crowfonding by the numbers
Live data from Maclear's Swiss P2P lending platform, updated monthly to reflect funded volume and portfolio performance
€12M+ +Secondary Market volume
Over 3,200 investors active on the platform
9,308+ +Secondary Market participants
Average portfolio size €8,400 across loans
Get started with crowfonding
Three steps to your first business loan investment
Open a Maclear account
Free registration and KYC
Deposit funds via bank transfer
Euro accounts only
Select projects and commit
Review terms before confirming
Loyalty perks for active crowfonding investors
Maclear rewards repeat investors with cashback, bonus rates, and priority access to premium business loans
Cashback on funded volume
Up to 0.5% on total committed
Priority project access
See new loans before standard users
Reduced secondary-market fees
Lower commission when selling claims
Referral bonuses
Earn credit for each referred investor
Join the crowfonding community
About Maclear
Maclear AG is a Swiss P2P/P2B crowdlending platform that connects investors with vetted business borrowers. Investors purchase assigned loan claims and earn interest as borrowers repay. Maclear is not a bank and does not lend from its own balance sheet.
Transparency and risk disclosure
Crowdfunding through Maclear carries risks including borrower default, illiquidity, and platform failure. Investments lack deposit insurance or guaranteed returns, with potential total capital loss. Maclear follows KYC/AML standards through PolyReg SRO and Swiss law. EEA residents may access services per local regulations and tax requirements.
- Full borrower financial data per loan
- Monthly performance and default reports
- Audited annual accounts published online
- Clear fee schedule with no hidden charges
- Loan contract and terms downloadable
- Reserve fund balance visible to all users
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Crowfonding questions answered
Crowfonding investors have achieved returns up to 16.5% per annum before defaults on assigned business loan claims. Average loan duration spans 12–36 months, with monthly instalments flowing directly to investor accounts on the platform.
Maclear conducts identity verification using Swiss AML procedures under PolyReg SRO affiliation. Investors upload ID and proof of address; compliance checks must clear before accessing loan projects or committing capital.
A reserve fund may cover overdue payments, though this is neither insurance nor a guarantee. Investors face potential total loss of capital; the reserve fund mitigates but does not eliminate default risk on assigned claims.
Yes, a secondary market allows claim holders to sell loans before maturity. Liquidity depends on buyer demand; claims may sell at a discount if the borrower's risk rating declines or market conditions shift.
Crowfonding projects accept commitments starting at €100 per loan. Once a project reaches full funding, capital transfers to the borrower and assigned claims begin generating monthly interest payments to investors.
Each loan listing displays the business purpose, term, interest rate, and a risk score assigned by Maclear's underwriting team. Only vetted business borrowers appear on the platform; vetting criteria emphasize transparent terms and loan fundamentals.