121M+Total Funded
Monthly returns from borrower repayments
Finance SME borrowers directly and earn returns from loan repayments
Start investing in vetted business loans
Why investors choose crowdlending
Direct access to business credit opportunities with transparent terms, diversification tools, and monthly cash flow from loan repayments
10.6M+Interest paid
Diversify across multiple loans and sectors
1.8K+Funded projects
Full transparency: borrower data, credit scores, terms
44.2K+Registered investors
Start with as little as €50 per loan
€2.0M +Provision Fund
Reserve fund to cover delays in some cases
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 investing works
You finance pre-vetted loans by purchasing assigned loan claims from Maclear
Browse vetted business loans
Sort and view content based on assigned risk level ratings
View borrower financials, industry, loan purpose, and internal credit rating before committing
Choose how much to invest
From €50 per loan
Decide your exposure per project — invest small amounts across many loans or concentrate on a few
Maclear assigns you loan claims
Legal purchase of claim
You become the creditor for that portion of the loan, with repayment rights under Swiss law
Borrower makes monthly repayments
Principal + interest
Payments flow to your Maclear account; you can reinvest or withdraw according to platform terms
Track performance in real time
Dashboard and notifications
Monitor repayment status, delays, and portfolio yield — all loans reported monthly
Manage defaults and recoveries
Reserve fund or collection
If a borrower defaults, Maclear may use reserve funds or initiate debt collection on your behalf
Who invests in P2P loans
Private investors seeking portfolio diversification, monthly cash flow, and direct exposure to SME credit markets
0% Retail investors building passive income streams
No fees for deposits, investments or withdrawals.
28,003 +Self-directed portfolio managers seeking alpha
A growing community built around transparent investing.
€1,712 +High-net-worth individuals diversifying beyond equities and bonds
Average amount invested by active users each month.
€139 +Experienced lenders comfortable with credit risk
Average interest paid to active investors each month.
Featured loan opportunities
Explore current business loans seeking funding, with full borrower disclosure and credit scoring
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.
How to manage investment risk
P2P loans carry default, liquidity, and platform risk — here's how to approach them
Diversify across 20+ loans minimum
Spread risk; one default won't sink your portfolio
Check borrower credit scores and financials
Higher scores = lower default probability, but also lower returns
Understand loan purpose and collateral
Secured loans may recover more in case of default
Review historical default rates
Past performance doesn't guarantee future results, but it helps set expectations
Plan for illiquidity
Most loans run 12–36 months; early exit may not be possible
Use auto-invest for discipline
Avoid timing the market; stay consistent across economic cycles
Monitor repayment schedules monthly
Catch delays early and decide whether to hold or escalate
Never invest money you can't afford to lose
High-risk product: total loss is possible
Explore the loan marketplace
Browse active funding opportunities sorted by yield, risk, sector, and borrower type — updated daily as new projects are vetted and published
View marketplace
Platform safeguards in place
Maclear applies KYC/AML procedures, borrower vetting, and credit scoring — but cannot eliminate default risk or guarantee returns
€12M+ +Secondary Market volume
KYC/AML via PolyReg SRO affiliation
9,308+ +Secondary Market participants
Reserve fund for select loan types
How to start investing
Open an account, complete verification, deposit funds, and choose your first loans
Sign up and verify identity
KYC required
Deposit funds via bank transfer
Euro accounts
Select loans or enable auto-invest
Start with €50
Investor loyalty program
Earn perks based on portfolio size and tenure — including fee discounts and priority access to high-demand loans
Volume-based fee reductions
Lower fees as portfolio grows
Early access to premium loans
Top-tier investors first
Dedicated account support
Priority response times
Quarterly portfolio reviews
Performance analysis and recommendations
Join the investor community
About Maclear
Maclear AG is a Swiss P2P/P2B crowdlending platform connecting investors with vetted business borrowers. We operate under Swiss law with AML/KYC supervision via PolyReg SRO. Maclear is not a bank and does not lend from its own balance sheet.
Transparency and reporting
Every loan includes full borrower financials, credit scoring, repayment schedules, and historical performance data. Investors receive monthly statements, real-time portfolio tracking, and notifications for repayment delays or defaults. All fees are disclosed upfront.
- Monthly portfolio statements
- Real-time repayment tracking
- Full borrower disclosure before investment
- Default and recovery reporting
- No hidden fees
- Annual performance reports
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about P2P investing
Entry point is as low as €50 per individual loan, allowing investors to start with minimal capital. This low threshold enables portfolio diversification across multiple borrowers and sectors without requiring substantial upfront investment.
Maclear maintains a reserve fund that can cover repayment delays in certain cases. If default occurs, the platform initiates debt collection procedures on behalf of investors while utilizing reserve mechanisms to protect against total loss.
Investors access comprehensive borrower information including financial statements, industry classification, loan purpose, and internal credit ratings before committing funds. Full transparency on terms and credit scores enables informed decision-making aligned with individual risk tolerance.
The platform allows investors to spread capital across multiple loans, borrowers, and economic sectors to reduce concentration risk. Small minimum investments per loan facilitate this strategy without requiring large capital allocations to individual projects.
When Maclear assigns a loan claim, investors become legal creditors with formal repayment rights under Swiss law. This structure provides contractual certainty and legal standing for claim enforcement should borrower obligations be breached.