€144.1M+Total Funded
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+Interest paid
Start investing from just €50 per loan
2.1K+Funded projects
Monthly interest payments to your balance
52.4K+Registered investors
Zero fees charged to investors
€2.0M +Provision Fund
Loan terms from 6 to 36 months
Investors receiving payouts
Investors who received at least one interest payment each month.
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
No fees for deposits, investments or withdrawals.
28,003 +Monthly interest supports reinvestment or spending
A growing community built around transparent investing.
€1,712 +Spread across multiple loans and borrower types
Average amount invested by active users each month.
€139 +Start with €50 and scale at your pace
Average interest paid to active investors each month.
Current loan opportunities on Maclear
Review business loans from Eastern and Central Europe—check borrower grade, LTV, term and rate before investing.
Investment Calculator
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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.
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 +Secondary Market volume
Up to 16.5% APR target return, subject to borrower default risk
9,308 +Secondary Market participants
€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
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
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.
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.
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.
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.
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.
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.
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 charges zero fees to investors. You keep all interest earned and face no platform or transaction costs when buying or selling loan claims.
Maclear charges zero fees to investors. You keep all interest earned and face no platform or transaction costs when buying or selling loan claims.
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.
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.
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.
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 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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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 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 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 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 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.
