€144.1M+Total Funded
Target returns up to 16.5% per year
Invest in vetted European business loans and earn monthly interest with Maclear
Generate passive income from business loans
The numbers behind your income stream
Maclear connects investors with collateralized business loans across Europe, offering target returns up to 16.5% per year with interest paid monthly and principal repaid at term end
€13.1M+Interest paid
Interest paid to your account every month
2.1K+Funded projects
Start with as little as €50 per loan
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 passive income actually works here
Six steps from registration to earning monthly interest on business loans
Create your Maclear account
Register online, complete the verification process, and access the platform. It takes minutes, not days, to get started with your first investment.
Open an account and pass verification to begin browsing available business loan opportunities on Maclear.
Fund your investment balance
Transfer euros to your settlement balance via bank transfer. This balance does not earn interest and is not covered by deposit insurance. Business lending ranks high among practical passive income ideas.
Your investment balance holds funds ready to deploy. It is not a bank account and carries no deposit protection.
Browse available business loans
Review loan listings with details on borrower rating, interest rate, loan term, collateral type, and LTV ratio before you commit any funds. Business loans are among the steadier passive income sources.
Each listing shows the borrower's internal rating, expected return, collateral details, and repayment timeline.
Choose loans and invest from €50
Pick the loans that match your risk appetite and timeline. The minimum per loan is €50, making it practical to spread across multiple borrowers.
Allocate funds across different loans, borrowers, and geographies to build a diversified portfolio from €50 per position.
Receive monthly interest payments
Once your investment is active, interest is paid monthly into your balance. Monthly interest builds a steady path toward financial freedom. Principal is repaid at the end of the loan term, not during it.
Interest flows monthly. Principal returns at maturity. This is how you generate ongoing passive income from each loan.
Reinvest or withdraw your earnings
When interest hits your balance, reinvest it into new loans to compound your returns or withdraw to your bank account whenever you choose.
Reinvesting monthly interest into fresh loans is one way to grow your passive income over time. Withdrawals are available anytime.
Why business loans can generate passive income
Business lending provides steady monthly interest income, yet carries significant risks like defaults and restricted access to your capital
0% Monthly interest creates a recurring income stream
No fees for deposits, investments or withdrawals.
28,003 +Collateral and LTV frameworks help manage downside exposure
A growing community built around transparent investing.
€1,712 +Diversification across loans reduces single-borrower concentration
Average amount invested by active users each month.
€139 +Capital is at risk and loans can default
Average interest paid to active investors each month.
Featured loans available right now
Browse current business loan opportunities with collateral details, borrower ratings, and target returns up to 16.5% per year.
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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
Monitor your passive income portfolio with clear data and honest risk metrics
Live portfolio dashboard
See your active investments, earned interest, and upcoming repayments in one view. No guessing, just real numbers.
Internal borrower ratings AAA to D
Every borrower is graded on Maclear's internal scale. Ratings reflect internal assessment only and are not investment advice.
Collateral and LTV visibility
Each loan displays collateral type and internal LTV ratio. Lower LTV typically provides greater protection during adverse events.
Provision fund for payment delays
A shared reserve may help with temporary payment delays but doesn't guarantee full repayment of principal or interest.
Annual tax statements
Maclear provides annual earnings statements. Maclear does not provide tax advice. Tax treatment depends on your country and personal situation.
Diversification across geographies
Spread your capital across borrowers in different EU and EEA markets to reduce concentration risk in any single country.
European business lending is growing fast
SME demand for financing across Eastern and Central Europe continues to rise through 2026, creating more lending opportunities for investors willing to accept the associated risks
Explore the market
Passive income performance at a glance
Many loans on Maclear pay around 14.5% per year before defaults and taxes, with target returns up to 16.5% per year on selected opportunities
€12M +Secondary Market volume
Target returns up to 16.5% per year on selected loans
9,308 +Secondary Market participants
Minimum investment of €50 per individual loan
Three steps to your first passive income
From zero to earning monthly interest in under an hour
Register and verify your identity
Complete the online process in minutes
Fund your balance and pick loans
Start from €50 per loan position
Earn monthly interest on active loans
Principal repaid at the end of loan term
Loyalty benefits for active investors
The more you invest and the longer you stay, the more Maclear rewards your commitment with enhanced conditions on the platform
Tiered loyalty levels based on portfolio size
Larger portfolios may access better conditions
Priority access to new loan listings
Be among the first to invest
Bonus interest on selected opportunities
Extra return on qualifying loans
Referral rewards for inviting other investors
Earn bonuses when friends join and invest
Join a growing community of European investors
About Maclear and how it works
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors to verified business borrowers. Investors purchase assigned loan claims with monthly interest payments and term-end principal repayment. Capital is at risk, including potential defaults, limited liquidity, and partial or total loss.
Transparency you can actually verify
Each Maclear loan displays borrower ratings, collateral information, and loan-to-value ratios upfront. Review all risks before investing. This isn't investment or tax advice and doesn't consider your personal circumstances. Tax implications vary by location and individual situation.
- Published borrower ratings on every listing
- Collateral type and LTV shown per loan
- Monthly interest and repayment tracking
- Provision fund status visible on the platform
- Annual statements for your tax reporting
- Platform terms and fee schedule publicly available
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about generating passive income
Maclear-connected business loans offer target returns up to 16.5% per year, with interest deposited monthly to investor accounts. Returns depend on loan selection and borrower performance across the platform's vetted European loan portfolio.
Investors can begin with as little as €50 per individual loan. This low minimum enables portfolio diversification across multiple borrowers and risk profiles without requiring substantial upfront capital.
Interest payments are made monthly directly to investor accounts throughout the loan term. Principal is repaid in full at the loan's maturity date, providing predictable cash flow alongside monthly interest distributions.
Borrowers are evaluated on an internal AAA-D rating scale that reflects creditworthiness and default risk. This internal scoring helps investors understand borrower quality before committing funds to specific loan opportunities.
Loans are backed by collateral with internal LTV (loan-to-value) assessments conducted by Maclear's team. Collateral provides a secondary repayment source if borrower circumstances change during the loan term.
Account creation takes minutes through Maclear's online portal. New investors complete identity verification before gaining access to loan listings and deployment of their settlement balance.
Funds are transferred via bank deposit into a settlement balance account. This balance is not a bank account, does not earn interest, and is not covered by deposit insurance while held on platform.
Each loan shows borrower rating, interest rate, loan term length, collateral type, and LTV ratio. Investors review these details before deciding which loans match their risk tolerance and investment timeline.
Yes. The €50 minimum per loan encourages spreading investments across numerous borrowers and loan terms. Portfolio diversification reduces concentration risk and allows customization of overall return targets.
Maclear connects investors with collateralized business loans across Europe. Borrowers are vetted and rated internally before loans appear on the platform for investor selection.
Borrowers may default despite collateral and rating systems. Settlement balances lack deposit insurance protection, and platform regulatory status varies by jurisdiction. Thorough loan review and diversification help mitigate these risks.
Investors see borrower ratings, collateral details, LTV assessments, and loan terms before investing. Ongoing performance information and repayment status help track portfolio progress throughout each loan's lifetime.
Maclear's platform structure allows investors to hold loans to maturity for full principal and interest repayment. Loan liquidity options depend on platform policies and market conditions during the investment period.
P2P loans offer fixed returns and shorter time horizons compared to equity growth. Monthly interest provides regular income, while collateral backing and borrower ratings create distinct risk-return profiles versus public market investments.
