€144.1M+Total financiado
Target returns up to 16.5% APR
Allocate a share of your portfolio to business loan claims with target returns up to 16.5% APR. Capital at risk, including total loss.
Financial planning that includes real yield
Key numbers for your financial plan
Maclear connects investors with vetted business borrowers across Eastern and Central Europe. You buy assigned loan claims, receive monthly interest and get principal back at term end. No investor fees.
€13.1M+Intereses pagados
Start investing from just €50 per loan
2.1K+Proyectos financiados
Monthly interest payments to your balance
52.4K+Inversores registrados
Zero fees charged to investors
€2.0M +Fondo de provisión
Loan terms from 6 to 36 months
Inversores recibiendo pagos
Inversores que recibieron al menos un pago de intereses cada mes.
What investors say about Maclear
How P2P loans fit a financial plan
Six mechanics that matter when you add loan claims to your portfolio allocation
Assignment structure, not direct lending
Borrowers contract with Maclear. You purchase the assigned loan claim. There is no direct contract between you and the borrower: Maclear administers the loan while you hold the claim to its repayments.
The assignment model means Maclear handles borrower relationships while you hold the economic claim to repayment.
Monthly cash flow from interest
Interest arrives every month into your investment balance. Principal is repaid at the end of the loan term. This predictable schedule helps when you plan around recurring income or reinvestment goals.
Regular interest payments can support a financial plan that relies on periodic cash inflows rather than lump sums.
Internal borrower scoring on an AAA-D scale
Every borrower goes through internal review before listing. Maclear assigns a grade from AAA to D based on financials, credit history and project specifics. Scoring is risk assessment, not a guarantee.
The AAA-D rating helps you pick loans that match your risk appetite, but it does not promise repayment.
Collateral and loan-to-value framework
Every listed project is collateralised. A lower LTV ratio means the collateral covers more of the outstanding loan, which can reduce loss if the borrower stops paying. Higher LTV carries higher risk.
LTV is published per loan so you can factor collateral coverage into your allocation decisions before investing.
Provision Fund as a shared reserve
The Provision Fund may absorb some delays in interest during temporary repayment difficulties. It is not insurance and does not guarantee repayment of principal or full interest over the loan term.
Think of the Provision Fund as a buffer for timing gaps, not a backstop that eliminates borrower default risk.
Secondary Market for early exit
Need liquidity before the loan matures? You can list your claim on the Secondary Market starting from €30. A buyer is not guaranteed, so plan around the possibility of holding until term end.
The Secondary Market adds flexibility to your financial plan, but liquidity depends on buyer demand at any given time.
Why include P2P loans in your plan
A modest allocation to business loan claims can enhance yield and spread risk across your long-term portfolio, alongside other alternative investments
0% Target returns above typical deposit rates
Sin comisiones por depósitos, inversiones o retiros.
28,003 +Monthly interest supports reinvestment or spending
Una comunidad en crecimiento construida en torno a la inversión transparente.
€1,712 +Spread across multiple loans and borrower types
Cantidad promedio invertida por usuarios activos cada mes.
€139 +Start with €50 and scale at your pace
Interés promedio pagado a los inversionistas activos cada mes.
Current loan opportunities on Maclear
Review business loans from Eastern and Central Europe—check borrower grade, LTV, term and rate before investing.
Calculadora de inversiones
Promociones
Bono de lealtad 
Valor futuro en {años} años€8000
Empieza con 50 €
Rendimiento anual promedio17.6%
Rendimiento obtenido€460
Rendimientos estimados basados en una tasa objetivo de 14.6% APY. Los rendimientos reales pueden variar. El rendimiento pasado no garantiza resultados futuros.
Controls that shape your financial plan
Eight ways to match your loan portfolio to your planning horizon, with more in our <a href="/investment-tips/">investment tips</a>
Choose your risk grade
Filter loans by AAA-D score. Higher grades mean lower returns but less risk; lower grades offer more yield with higher borrower risk.
Set your minimum ticket
Invest from €50 per loan. Spreading capital across multiple claims limits the impact of any single default.
Pick the loan term
Choose a loan term that aligns with when you'll need your money back, from 6 to 36 months.
Check LTV before investing
Each loan displays its LTV ratio. Lower LTV indicates stronger collateral coverage, potentially reducing loss exposure if the borrower defaults.
Reinvest or withdraw monthly interest
Monthly interest goes to your balance. Choose to reinvest in loans or withdraw to your bank.
Use the Secondary Market for liquidity
Sell claims from €30 if plans change, though finding a buyer is not guaranteed and depends on market demand.
The Secondary Market and your plan
The Secondary Market lets you sell loan claims from €30 when plans change, though finding a buyer is not guaranteed—plan your liquidity accordingly before investing.
Explore Secondary Market
Two numbers that define the opportunity
Target returns up to 16.5% APR carry borrower default risk and no deposit insurance. Possible capital loss, including total loss. Consider the trade-offs before investing.
€12M +Volumen del mercado secundario
Up to 16.5% APR target return, subject to borrower default risk
9,308 +Participantes del mercado secundario
€50 minimum per loan, spread across multiple claims
Three steps to start your allocation
From sign-up to your first loan claim in minutes. If this is your first allocation, see how to start investing.
Create your Maclear account
Verify your identity and fund your balance
Choose loans that fit your plan
Filter by grade, term and LTV ratio
Invest and receive monthly interest
Principal returns at the end of each term
Rewards that add to your plan
Maclear offers bonuses on top of loan interest. They are factual additions to your returns, not fee reductions, because investors already pay zero fees.
€15 welcome bonus
Credited when you start investing on Maclear
3% referral bonus for 90 days
Earned on the referred investor's activity
1.5% to 3% loyalty bonus
Scales with your invested amount over time
No investor fees to offset
Bonuses are pure additions, not fee discounts
A community of investors planning ahead
About Maclear and how the platform works
Maclear AG is a Swiss P2P crowdlending platform connecting EU and EEA investors with vetted business borrowers in Eastern and Central Europe through assigned loan claims. Interest is paid monthly and principal is repaid at the end of the term, subject to borrower performance. Maclear is not a bank and does not lend its own funds.
Transparency behind every listed loan
Every loan displays borrower grade, collateral, LTV ratio, term and target rate upfront. The platform screens borrower identity, financials and credit history before listing. This transparency supports informed allocation decisions aligned with your financial plan. This information is not investment advice and does not account for your personal circumstances.
- Borrower grade from AAA to D published per loan
- Collateral type and LTV ratio visible before investing
- Loan term and target interest rate stated upfront
- Internal review of borrower financials and history
- Provision Fund details explained on the platform
- Dashboard tracks payments, delays and active claims
Garantía y el
Fondo de provisión ayudan a reducir ciertos riesgos, pero no eliminan el riesgo de inversión.
Common questions about financial planning with P2P loans
Target returns reach up to 16.5% APR across listed loans, subject to borrower risk and the possibility of capital loss. Your actual return depends on which loans you select and whether borrowers repay on schedule.
Los rendimientos objetivo alcanzan hasta un 16,5% TAE en los préstamos listados, sujetos al riesgo del prestatario y a la posibilidad de pérdida de capital. Su rendimiento real depende de los préstamos que seleccione y de si los prestatarios pagan a tiempo.
Los rendimientos objetivo alcanzan hasta un 16,5% TAE en los préstamos listados, sujetos al riesgo del prestatario y a la posibilidad de pérdida de capital. Su rendimiento real depende de los préstamos que seleccione y de si los prestatarios pagan a tiempo.
You buy an assigned claim to a loan agreement between the borrower and Maclear, rather than lending directly. Maclear manages the borrower relationship while you hold the economic right to repayment. Platform risk applies: if Maclear could not continue operating, servicing and collection of your claim could be disrupted.
Usted compra un crédito cedido de un contrato de préstamo entre el prestatario y Maclear, en lugar de prestar directamente. Maclear gestiona la relación con el prestatario mientras usted mantiene el derecho económico al reembolso. Existe riesgo de plataforma: si Maclear no pudiera continuar operando, la gestión y el cobro de su crédito podrían verse interrumpidos.
Usted compra un crédito cedido de un contrato de préstamo entre el prestatario y Maclear, en lugar de prestar directamente. Maclear gestiona la relación con el prestatario mientras usted mantiene el derecho económico al reembolso. Existe riesgo de plataforma: si Maclear no pudiera continuar operando, la gestión y el cobro de su crédito podrían verse interrumpidos.
Maclear charges zero fees to investors. You keep all interest earned and face no platform or transaction costs when buying or selling loan claims.
Maclear no cobra comisiones a los inversores. Usted conserva todos los intereses generados y no enfrenta costos de plataforma ni de transacción al comprar o vender derechos de préstamos.
Maclear no cobra comisiones a los inversores. Usted conserva todos los intereses generados y no enfrenta costos de plataforma ni de transacción al comprar o vender derechos de préstamos.
Interest payments arrive monthly into your investment balance. Your principal is repaid in full at the end of the loan term, which ranges from 6 to 36 months depending on the loan.
Los pagos de intereses llegan mensualmente a tu saldo de inversión. Tu capital se reembolsa en su totalidad al final del plazo del préstamo, que varía de 6 a 36 meses dependiendo del préstamo.
Los pagos de intereses llegan mensualmente a tu saldo de inversión. Tu capital se reembolsa en su totalidad al final del plazo del préstamo, que varía de 6 a 36 meses dependiendo del préstamo.
Maclear uses an internal scale from AAA to D to reflect each borrower's creditworthiness based on financials, history and project details. The score guides your selection but does not guarantee repayment.
Maclear utiliza una escala interna de AAA a D para reflejar la solvencia de cada prestatario según sus finanzas, historial y detalles del proyecto. La puntuación orienta su selección, pero no garantiza el reembolso.
Maclear utiliza una escala interna de AAA a D para reflejar la solvencia de cada prestatario según sus finanzas, historial y detalles del proyecto. La puntuación orienta su selección, pero no garantiza el reembolso.
Loans are secured against business assets with an agreed loan-to-value ratio. A Collateral Agent holds legal control over the collateral. If a borrower defaults, staged collection steps and legal enforcement of collateral provide a recovery path, though liquidation is not immediate.
Los préstamos están garantizados con los activos de la empresa según una relación préstamo-valor acordada. Un Agente de Garantía tiene el control legal sobre la garantía. Si un prestatario incurre en incumplimiento, los pasos escalonados de cobro y la ejecución legal de la garantía ofrecen una vía de recuperación, aunque la liquidación no es inmediata.
Los préstamos están garantizados con los activos de la empresa según una relación préstamo-valor acordada. Un Agente de Garantía tiene el control legal sobre la garantía. Si un prestatario incurre en incumplimiento, los pasos escalonados de cobro y la ejecución legal de la garantía ofrecen una vía de recuperación, aunque la liquidación no es inmediata.
The Provision Fund covers temporary delays in interest payments. It is not insurance and does not guarantee repayment of principal. It may help absorb some losses but does not protect against total loss.
El Fondo de Provisión cubre retrasos temporales en los pagos de intereses. No es un seguro y no garantiza el reembolso del capital. Puede ayudar a absorber algunas pérdidas, pero no protege contra la pérdida total.
El Fondo de Provisión cubre retrasos temporales en los pagos de intereses. No es un seguro y no garantiza el reembolso del capital. Puede ayudar a absorber algunas pérdidas, pero no protege contra la pérdida total.
Yes, the Secondary Market lets you sell your loan claims to other investors. Sale price depends on current interest rates and borrower performance, so you may recover more or less than your initial investment.
Sí, el Mercado Secundario te permite vender tus derechos de préstamo a otros inversionistas. El precio de venta depende de las tasas de interés actuales y del desempeño del prestatario, por lo que puedes recuperar más o menos que tu inversión inicial.
Sí, el Mercado Secundario te permite vender tus derechos de préstamo a otros inversionistas. El precio de venta depende de las tasas de interés actuales y del desempeño del prestatario, por lo que puedes recuperar más o menos que tu inversión inicial.
You can start with €50 per loan on the Primary Market where new loans are listed. The Secondary Market accepts investments from €30, letting you build a diversified portfolio with smaller amounts.
Puedes empezar con 50 € por préstamo en el Mercado Primario, donde se listan nuevos préstamos. El Mercado Secundario acepta inversiones desde 30 €, lo que te permite construir una cartera diversificada con cantidades más pequeñas.
Puedes empezar con 50 € por préstamo en el Mercado Primario, donde se listan nuevos préstamos. El Mercado Secundario acepta inversiones desde 30 €, lo que te permite construir una cartera diversificada con cantidades más pequeñas.
Maclear provides a statement of interest earned and bonuses received. Tax filing remains your responsibility based on your local jurisdiction's rules. The platform does not offer tax advice.
Maclear proporciona un estado de los intereses ganados y las bonificaciones recibidas. La presentación de impuestos sigue siendo su responsabilidad según las normas de su jurisdicción local. La plataforma no ofrece asesoramiento fiscal.
Maclear proporciona un estado de los intereses ganados y las bonificaciones recibidas. La presentación de impuestos sigue siendo su responsabilidad según las normas de su jurisdicción local. La plataforma no ofrece asesoramiento fiscal.
Maclear follows staged collection steps: payment reminders, negotiated rescheduling, and legal enforcement of collateral if needed. The Collateral Agent controls the secured assets. Recovery takes time and may not be total.
Maclear sigue pasos escalonados de cobro: recordatorios de pago, reprogramación negociada y ejecución legal de la garantía si es necesario. El Agente de Garantía controla los activos asegurados. La recuperación lleva tiempo y puede no ser total.
Maclear sigue pasos escalonados de cobro: recordatorios de pago, reprogramación negociada y ejecución legal de la garantía si es necesario. El Agente de Garantía controla los activos asegurados. La recuperación lleva tiempo y puede no ser total.
