121M+Total Funded
Up to 16.5% annual returns on selected loans
Skip the bank, fund vetted loans directly, earn monthly returns
Make money work faster through P2P lending
Why investors choose P2P for faster returns
Direct lending cuts out the middleman, putting your capital to work immediately in vetted business loans with higher yield potential
10.6M+Interest paid
Monthly interest payments, not yearly
1.8K+Funded projects
No lock-in periods on most loan types
44.2K+Registered investors
Full transparency on borrower risk profiles
€2.0M +Provision Fund
Invest from €50, scale as you learn
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 P2P lending generates returns faster
You buy assigned loan claims, borrowers pay interest monthly, you reinvest or withdraw
Choose your loan
Review pre-screened borrowers organized by their assigned risk level
Each loan shows interest rate, term, borrower financials, and collateral details
Fund in seconds
Buy assigned claims from €50
Your capital goes directly into the loan, no waiting for bank approval cycles
Earn monthly interest
Payments hit your account automatically
Reinvest immediately or withdraw to your bank account within 1–3 business days
Track performance live
Real-time portfolio dashboard
See which loans perform, which delay, and adjust your strategy as you go
Diversify across loans
Spread €500 across 10 borrowers
Lower single-borrower risk by funding multiple loans in different sectors and risk grades
Exit when you want
Sell claims on secondary market
Most platforms let you list your loan for sale if you need liquidity before maturity
Why P2P beats traditional options for speed
Banks pay 0.5% on savings. Bonds lock you in for years. P2P offers monthly liquidity and double-digit yields.
0% No minimum term on many loans
No fees for deposits, investments or withdrawals.
28,003 +Interest starts accruing from day one
A growing community built around transparent investing.
€1,712 +Withdraw monthly, not annually
Average amount invested by active users each month.
€139 +Reinvest earnings same day
Average interest paid to active investors each month.
Featured high-yield loans this month
Vetted business loans from 8.5% to 16.5% annual return, terms from 6 to 36 months
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 to check before you invest fast
High returns come with high risk — here's what to verify first
Borrower default rate
Check platform historical default stats, not just advertised returns
Loan-level risk grade
A-rated loans = lower yield, lower default risk; E-rated = opposite
Reserve fund coverage
Some platforms offer reserve funds for late payments — not insurance, just a buffer
Collateral type
Real estate, invoices, equipment — know what backs the loan if borrower defaults
Liquidity terms
Can you sell the loan early? Is there a secondary market? What's the average sale time?
Platform track record
Years in operation, total loans funded, investor complaints, regulatory status
Tax obligations
P2P income is taxable — check your country's rules before you start
No deposit insurance
Unlike bank deposits, P2P investments are not covered by government guarantee schemes
Browse the loan marketplace
Filter by return rate, loan term, borrower sector, and risk grade — then fund the ones that match your timeline and risk tolerance
View loans
Fast money, real risk
P2P lending can generate returns quickly, but borrowers can default, platforms can fail, and you can lose your capital entirely
€12M+ +Secondary Market volume
Default risk varies by loan grade and borrower financials
9,308+ +Secondary Market participants
No guarantee of returns, even on A-rated loans
How to get started in under 10 minutes
Open account, verify identity, fund wallet, choose loan — done
Register and verify
KYC and AML checks required
Deposit funds
Bank transfer or card, usually instant
Pick your first loan
Start small, test the process
Loyalty perks for active investors
Some platforms reward repeat investors with lower fees, priority loan access, or cashback on funded amounts
Reduced platform fees
Lower per-loan service charge
Early loan access
Fund new loans before public
Cashback on volume
Earn back 0.1–0.5% on funded amount
Referral bonuses
Invite friends, earn credit
Join the P2P investor community
About Maclear
Maclear is a Swiss P2P/B2B crowdlending platform operating under Swiss law, with AML/KYC supervision via PolyReg SRO. We connect investors with vetted borrowers — no bank balance sheet, no guaranteed returns, no deposit insurance.
Platform transparency
We publish loan-level performance data, borrower risk scores, and default statistics monthly. Maclear does not lend from its own capital and does not guarantee returns. All investments carry risk of partial or total loss.
- Live loan performance dashboard
- Historical default rates by grade
- Borrower sanctions and PEP screening
- Reserve fund balance and usage
- Secondary market liquidity stats
- Investor protection limits and exclusions
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about making fast money with P2P
Selected P2P loans deliver up to 16.5% annual returns, substantially higher than traditional savings accounts. Interest payments arrive monthly rather than annually, allowing faster reinvestment and compounding of earnings.
Capital deploys within seconds of purchasing assigned loan claims. Borrowers begin monthly payments immediately, and investors can reinvest or withdraw funds to their bank account within 1–3 business days.
Investors can enter the platform with as little as €50 per loan claim. This low barrier allows new investors to test the mechanism and diversify across multiple borrowers without substantial upfront capital.
Banks typically offer 0.5% on savings accounts with indefinite lock-in. P2P platforms eliminate the middleman, offer double-digit yields, provide monthly liquidity, and grant full visibility into borrower risk profiles and collateral.
Most platforms operate a secondary market where loan claims can be listed for sale before maturity. This mechanism provides liquidity flexibility without forcing investors to hold until the borrower repays in full.