€144.1M+Total Funded
Target returns up to 16.5% per year
Invest in vetted business loans across Europe and earn monthly interest with Maclear
Build financial freedom one loan at a time
Numbers that matter for your goals
Maclear connects investors in the EU and EEA with business borrowers in growing European markets, offering target returns up to 16.5% per year with a minimum investment of just €50
€13.1M+Interest paid
Start from as little as €50 per loan
2.1K+Funded projects
Interest paid to your account monthly
52.4K+Registered investors
Loans backed by collateral with internal LTV assessment
€2.0M +Provision Fund
Borrowers scored on an internal AAA-D rating scale
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How Maclear helps you work toward financial freedom
A clear structure that puts you in control of every investment decision
Pick loans that match your risk appetite
Browse available projects, review borrower ratings, collateral details and loan terms. Investing money across several loans spreads the risk. You decide where your money goes, every single time.
Every loan shows its rating, term, interest rate and collateral so you can compare before committing. Business loans are one way to generate passive income each month.
Invest from €50 per loan
A low entry point means you can spread your capital across many loans and borrowers instead of concentrating it in one place.
Diversification across loans and geographies is one of the few things you can actually control as an investor.
Earn monthly interest payments
Interest is paid monthly. Investors earn passive income as interest arrives every month. Principal is repaid at the end of the loan term. This gives you regular cash flow while your capital stays deployed.
Monthly interest can be reinvested into new loans, helping to compound your progress toward financial independence.
Collateral and internal scoring
Every project is collateralized. A lower LTV means more protection if the borrower runs into difficulty, while higher LTV can carry higher risk and higher interest.
Borrowers receive internal ratings from AAA to D for risk assessment purposes only, not as investment advice or guarantees.
Provision Fund for temporary delays
The Provision Fund is a shared reserve that may help absorb some delays or partial losses. It supports timely interest payments during temporary repayment delays.
The Provision Fund is not insurance and does not guarantee full repayment of principal or interest.
Reinvest and build momentum over time
As interest flows in each month, you can reinvest it into new loans. Over years, this compounding effect is what actually moves the needle toward financial freedom.
Returns aren't guaranteed. Loans may default, causing partial or total loss. Past performance doesn't indicate future results.
Why investors choose Maclear for long-term goals
Maclear gives you access to collateralized European business loans with monthly interest, starting at just €50 per investment
0% Target returns up to 16.5% per year
No fees for deposits, investments or withdrawals.
28,003 +Monthly interest supports steady compounding
A growing community built around transparent investing.
€1,712 +Every loan backed by collateral with LTV assessment
Average amount invested by active users each month.
€139 +Diversify across borrowers, sectors and countries
Average interest paid to active investors each month.
Featured loans available right now
Explore current opportunities with detailed borrower profiles, collateral data and internal ratings before you invest.
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Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Tools that keep you in control
Everything you need to manage your investments in one place
Personal dashboard with live portfolio data
Track your investments, earned interest and upcoming repayments in real time from a single overview.
Detailed loan pages for every project
Review borrower information, collateral type, LTV ratio, internal rating and loan schedule before you commit any capital.
Auto-invest with custom filters
Choose your preferred loan term, rating range and amount per loan. Auto-invest handles allocation within your rules.
Monthly interest credited to your balance
Interest arrives monthly. You can withdraw it or reinvest it into new loans to keep compounding your portfolio.
Annual statements for tax reporting
Download annual earnings summaries. Maclear doesn't offer tax advice. Tax obligations vary by country and individual circumstances.
Internal AAA-D borrower scoring
Every borrower is assessed and graded internally. Ratings help you compare risk levels but are not a guarantee of repayment.
European business loans as a path to freedom
Money from investors across Western and Northern Europe funds SME loans and real estate projects in Central and Eastern European markets, where demand for business financing remains strong in 2026
Explore the market
Growing alongside our investor community
Maclear connects a growing base of EU and EEA investors with vetted business borrowers, building a marketplace where both sides benefit from transparent terms and collateralized lending
€12M +Secondary Market volume
Many loans pay around 14.5% per year before defaults and taxes
9,308 +Secondary Market participants
Target returns up to 16.5% per year on selected loans
Three steps to start building financial freedom
From registration to your first investment in minutes
Create your account and complete verification
Register online, complete the required checks and set up your profile
Add funds to your investment balance
Transfer euros to your Maclear balance via bank transfer
Choose loans or activate auto-invest
Pick individual loans or let auto-invest allocate for you
Rewards that grow with your portfolio
The longer you invest and the more you commit, the more benefits you can access through the Maclear loyalty programme
Tiered benefits based on invested amount
Higher portfolio values may qualify for bonus interest rates
Early access to selected new loans
Loyal investors may see new projects before general release
Dedicated support for active investors
Priority assistance as your portfolio grows over time
Referral bonuses for inviting other investors
Share Maclear with others and both sides can benefit
Join a community working toward independence
About Maclear and how it works
Maclear AG is a Swiss crowdlending platform where investors purchase assigned loan claims from verified European businesses. Maclear isn't a bank, doesn't lend its own funds, and investment balances aren't insured or interest-bearing.
Transparency at every step of the process
Each Maclear loan displays borrower rating, collateral information, LTV ratio, and repayment terms upfront. Capital at risk. Defaults may occur, liquidity may be restricted, and losses including total investment are possible. This isn't investment advice nor considers your personal situation.
- Full borrower profiles published for each loan
- Collateral type and LTV shown before you invest
- Internal AAA-D rating for every borrower
- Loan schedule with monthly interest and term-end principal
- Provision Fund details available on the platform
- Annual tax statements downloadable from your account
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about financial freedom and Maclear
Maclear offers target returns up to 16.5% per year on vetted European business loans. Returns vary by loan term, borrower rating, and collateral coverage, with interest paid monthly to investor accounts.
Minimum investment is just €50 per individual loan. This low entry point allows investors to diversify across multiple borrowers and geographies rather than concentrating capital in a single project.
Interest accrues and is paid monthly directly to investor accounts. Principal repayment occurs at the end of the agreed loan term, creating regular cash flow while capital remains deployed.
Maclear uses an internal AAA-D rating scale to assess borrower creditworthiness and repayment likelihood. Each borrower's rating is disclosed alongside loan details so investors understand relative risk before committing.
Every loan is backed by collateral, with Maclear conducting internal loan-to-value (LTV) assessments. Lower LTV ratios provide more protection if a borrower encounters difficulty, while higher LTV typically correlates with higher interest rates.
Yes. Investors browse available projects, review borrower ratings, collateral specifics, and loan terms before deciding. Full transparency on each loan's structure allows data-driven investment decisions aligned with personal risk tolerance.
Maclear connects EU and EEA-based investors with business borrowers across growing European markets. Geographic diversification across loan portfolios is encouraged as part of a broader risk management strategy.
Loan terms vary by individual project and borrower need, ranging from shorter to medium-term arrangements. Specific term lengths are disclosed for each loan, influencing both interest rate and total return calculation.
Monthly interest payments can be reinvested into new loans, allowing capital to compound over time. This strategy amplifies progress toward financial independence compared to withdrawing interest for spending.
Each borrower undergoes internal rating assessment using the AAA-D scale, with loans subject to collateral appraisal and LTV calculation. These processes reduce default risk and inform the interest rates offered on each project.
Diversification across multiple loans, borrowers, and geographies is one of the few risk factors investors can directly control. The €50 minimum per loan facilitates this approach by enabling capital allocation across many projects simultaneously.
