121M+Total Funded
€4.2bn+ Spanish P2P market size by 2024
Finance vetted loans to Spanish borrowers through a Swiss P2P platform
Invest in Spanish business growth
Spain by the numbers
Spanish businesses seek alternative financing as traditional bank lending tightens — P2P platforms fill the gap for SME growth capital
10.6M+Interest paid
12.8% average return for Spanish business loans
1.8K+Funded projects
3.2m SMEs operating across Spain
44.2K+Registered investors
€25,000 average loan amount for Spanish projects
€2.0M +Provision Fund
18-36 months typical loan duration
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 Spanish project financing works
From application to repayment — transparent, structured, risk-assessed
Spanish business applies for funding
Provide your financial documents and business plan for review
Company registers, provides tax ID, bank statements, and revenue forecasts
Maclear conducts due diligence
Credit scoring and background checks
KYC/AML checks, PEP screening, financial analysis, collateral evaluation where applicable
Project goes live on platform
Investors review and commit funds
Full loan details published — use case, risk grade, financials, repayment schedule
Loan is funded and disbursed
Capital transferred to borrower
Once funding target reached, loan agreement signed and funds released in euros
Borrower makes scheduled repayments
Monthly principal and interest payments
Automated payment collection — investors receive pro-rata share of each installment
Loan completes or defaults
Recovery process or full repayment
If default occurs, debt collection initiated — reserve fund may cover partial loss
Why Spain attracts P2P investors
Strong SME sector, EU legal framework, growing fintech adoption, and diversified regional economies make Spain a key market
0% Access to eurozone business loans
No fees for deposits, investments or withdrawals.
28,003 +Diversify across regions and industries
A growing community built around transparent investing.
€1,712 +Higher returns than Spanish savings accounts
Average amount invested by active users each month.
€139 +Support real economy growth
Average interest paid to active investors each month.
Featured Spanish projects
Current opportunities — tourism expansion, renewable energy, logistics, and manufacturing loans
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.
Tools for managing Spanish investments
Filter by region, sector, loan term, and collateral type
Risk grade filtering
Choose from A to E rating categories based on borrower assessment
Loan term selection
Short-term working capital or multi-year expansion financing
Sector diversification
Hospitality, retail, logistics, manufacturing, renewable energy, real estate
Regional allocation
Madrid, Barcelona, Valencia, Andalusia, Basque Country, and other regions
Collateral presence
Filter for secured loans backed by property, inventory, or receivables
Minimum investment amount
Start from €50 per project — build diversified portfolio incrementally
Auto-reinvest repayments
Compound returns by reallocating principal and interest automatically
Secondary market access
Sell loan claims early if liquidity needed before maturity
Spanish P2P market outlook
Spain's crowdlending sector is growing as banks tighten SME lending — regulatory clarity under EU frameworks supports platform expansion and cross-border investment flows
Learn more
Platform activity in Spain
Maclear facilitates loan claims to Spanish borrowers — investors purchase assigned receivables under Swiss law, subject to Spanish tax and local regulations
€12M+ +Secondary Market volume
€18m+ financed to Spanish businesses since launch
9,308+ +Secondary Market participants
620+ active Spanish loan projects on platform
Start investing in three steps
Register, verify, and fund your account in euros
Create account and verify identity
KYC/AML checks via PolyReg SRO supervision
Deposit funds in euros
SEPA transfer from your bank account
Browse and invest in Spanish projects
Manual selection or auto-invest mode
Investor rewards program
Earn bonus interest and reduced fees based on total capital deployed and platform tenure
Volume-based interest boost
Up to 0.5% additional return
Fee discounts for active investors
Lower secondary market transaction costs
Early access to premium projects
Priority allocation for oversubscribed loans
Referral bonuses
Earn credit for new investor sign-ups
Join the investor community
About Maclear
Maclear AG is a Swiss P2P/B2B crowdlending platform operating under Swiss law, with AML supervision via PolyReg SRO. We connect investors with vetted business borrowers across Europe — no bank balance sheet lending, no deposit insurance, no guaranteed returns.
Transparency and risk disclosure
All investments involve risk: borrower default, liquidity constraints, platform risk, possible total loss. Maclear is not a bank and does not provide deposit accounts or insurance. Returns are not guaranteed. Services may be available to EEA residents subject to local tax obligations and regulations.
- No FINMA prudential license
- AML supervision only via PolyReg SRO
- No deposit insurance coverage
- Default risk on every loan
- Reserve fund ≠ guarantee
- Tax obligations apply per investor jurisdiction
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about Spanish investments
Spain's peer-to-peer lending market reached €4.2 billion by 2024, reflecting strong investor appetite for alternative financing. This growth stems from Spanish SMEs seeking capital outside traditional banking channels.
Most Spanish project loans mature over 18 to 36 months, with borrowers making monthly principal and interest payments. Investors receive pro-rata distributions from each installment throughout the loan term.
The platform conducts KYC/AML checks, PEP screening, and comprehensive financial analysis on each applicant. Collateral evaluation and credit scoring assess risk before the project appears on the investment platform.
Traditional bank lending to Spanish SMEs has tightened, leaving 3.2 million small and medium enterprises seeking alternative capital sources. P2P platforms provide faster approval, more flexible terms, and direct access to investor networks outside institutional banking.
Spanish business loans on the platform average 12.8% annual returns, though actual performance varies by loan grade and risk profile. Typical loan sizes of €25,000 allow investors to diversify across multiple projects and borrower types.