€144.1M+Total Funded
Target returns up to 16.5% per year
Put your capital into vetted European business loans starting from just €50
How to invest money that actually works
Real numbers behind the platform
Maclear connects investors across the EEA with collateralized business loans in growing European markets, offering target returns up to 16.5% per year with interest paid monthly
€13.1M+Interest paid
Minimum investment starts at €50
2.1K+Funded projects
Interest paid to your account monthly
52.4K+Registered investors
Collateral backing on every loan
€2.0M +Provision Fund
Internal AAA-D borrower scoring applied
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How investing money on Maclear works
From registration to monthly interest, here is the full picture
Register and complete verification
Create your account, go through the required checks, and confirm your identity before funding your balance.
Verification is required for all investors. Investing money across several loans spreads the risk. The process follows internal screening policies to confirm your eligibility.
Fund your investment balance
Transfer euros to your Maclear balance via bank transfer. This balance does not earn interest and is not deposit-insured.
Your balance is for investing and withdrawals, not a protected bank account with deposit insurance. Learn how to start investing on Maclear in three simple steps.
Browse available business loans
Review each project's details including borrower rating, collateral type, loan-to-value ratio, term length, and target interest rate. Crowdfunding websites like Maclear list vetted business loans.
Each project receives an internal AAA to D rating. Lower LTV provides more collateral protection; higher LTV may yield greater interest.
Invest from €50 per loan
Choose how much to allocate per loan. Spreading your capital across multiple borrowers and geographies helps manage concentration risk.
Diversification does not eliminate risk but reduces your exposure if a single borrower defaults. Consider mixing loan types and regions.
Receive monthly interest payments
Interest is paid monthly into your balance. Principal is repaid at the end of the loan term, not during the life of the loan.
Monthly interest gives you regular cash flow. Principal repayment happens at maturity, so your invested capital stays locked until then.
Reinvest or withdraw your returns
When interest arrives or loans mature, you can reinvest into new projects or withdraw funds to your bank account.
Reinvesting can compound your returns over time, but remember that every new loan carries its own default and liquidity risk.
Why investors choose Maclear to invest money
A Swiss crowdlending platform connecting EEA investors with collateralized European business loans and a provision fund for added support
0% Collateral on every loan with LTV framework
No fees for deposits, investments or withdrawals.
28,003 +Provision fund to help cover temporary delays
A growing community built around transparent investing.
€1,712 +Internal borrower scoring from AAA to D
Average amount invested by active users each month.
€139 +Monthly interest with principal at term end
Average interest paid to active investors each month.
Featured loans open for investment now
Browse current business loan projects, review borrower ratings, collateral details, and target returns before committing your capital.
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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 help you invest money wisely
Manage risk, track performance, and stay informed at every step
Borrower ratings from AAA to D
Internal scoring reflects assessed borrower risk. Ratings are not guarantees and do not constitute investment advice.
Loan-to-value ratios displayed per project
Lower LTV means more collateral relative to the loan. Higher LTV may carry more risk but can offer higher interest.
Provision fund as a shared reserve
The fund may cover some delays or losses but doesn't guarantee full repayment of principal or interest.
Detailed project pages with borrower data
Each listing shows the borrower profile, loan purpose, collateral type, term, and target interest rate before you commit.
Portfolio overview and performance tracking
Monitor your active investments, accrued interest, and repayment schedules from a single dashboard inside your account.
Diversification across borrowers and regions
Spread your capital across multiple loans in different sectors and European geographies to reduce concentration risk.
European business lending is a growing market
As of 2026, demand for non-bank financing among SMEs in Central and Eastern Europe continues to rise, creating opportunities for investors willing to accept the associated risks
Explore opportunities
Performance figures you should know
Many loans on Maclear pay around 14.5% per year before defaults and taxes, while the maximum target return reaches 16.5% per year across all project types
€12M +Secondary Market volume
Target returns up to 16.5% per year before taxes
9,308 +Secondary Market participants
Minimum investment of €50 per loan
Three steps to start investing money
Getting started on Maclear takes minutes, not days
Step one: register and verify your identity
Complete the required checks to open your account
Step two: fund your investment balance
Transfer euros via bank to your Maclear balance
Step three: pick loans and invest from €50
Choose projects, allocate capital, earn monthly interest
Loyalty benefits for active investors
Maclear rewards consistent participation with bonus interest tiers based on your portfolio size and investment history on the platform
Bonus interest on top of standard rates
Higher portfolio balances may qualify for bonuses
Tiered system based on invested amount
Larger commitments can move you to higher tiers
No lock-in to keep your loyalty status
Your tier adjusts based on current portfolio value
Rewards apply to new and existing loans
Bonus interest is calculated on qualifying investments
Join a growing community of European investors
About Maclear and how it operates
Maclear AG is a Swiss crowdlending platform linking EEA investors to verified European business borrowers. Investors purchase assigned loan claims instead of direct lending. Maclear isn't a bank and doesn't use its own funds. Capital at risk.
Transparency in every part of the process
Maclear publishes borrower details, collateral data, and loan-to-value ratios for every project. Scoring follows an internal AAA-D framework. This information is not investment advice and does not take your individual circumstances into account. Investors should review all project documentation before committing funds.
- Full borrower profiles published per project
- Collateral type and LTV ratio clearly displayed
- Internal AAA-D scoring on every borrower
- Provision fund status shared with investors
- Loan terms and interest rates visible before investing
- Annual statements available for download
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about how to invest money
Maclear allows investors to start with just €50 per loan, making peer-to-peer lending accessible to those with modest capital. This low entry point enables diversification across multiple borrowers and geographies.
Interest accrues on each loan and is paid directly to your Maclear account every month. Withdrawals can be made at any time, though the settlement account itself earns no interest.
Every business loan on Maclear is collateralized, meaning borrowers pledge assets to secure the debt. The platform discloses collateral type and loan-to-value ratio for each project so investors can assess coverage.
Maclear offers target returns up to 16.5% per year, depending on the loan's risk profile and borrower rating. Higher-rated borrowers typically offer lower rates, while lower-rated loans come with higher potential returns.
Maclear applies an internal AAA-D rating system to evaluate each borrower's creditworthiness and risk level. This scoring guides investors in comparing loan opportunities and understanding potential default risk.
Your settlement account balance can be withdrawn at any time, but capital invested in active loans is locked until repayment or maturity. Early exits via secondary markets may be available depending on platform policies.
Maclear operates across the European Economic Area (EEA), connecting investors with vetted business loans in growing European markets. This geographic reach allows exposure to diverse economies and borrower bases.
The Maclear settlement account is not a bank account and carries no deposit insurance. Investors should understand this distinction and review the platform's risk disclosures before committing capital.
New investors must complete identity verification and screening checks to confirm eligibility. This process follows Maclear's internal policies and is required before you can fund or invest.
Spread investments across multiple borrowers, loan terms, geographies, and risk ratings to reduce concentration risk. While diversification does not eliminate risk entirely, it limits exposure if a single loan defaults.
Each project listing includes borrower rating, collateral type, loan-to-value ratio, term length, and target interest rate. These details help investors compare opportunities and make informed allocation decisions.
Monthly interest payments land in your balance, which you can redeploy into new loans immediately. This flexibility allows compound growth, though each new investment carries its own loan-specific terms and risks.
Loan terms, collateral arrangements, and recovery procedures are documented in each project's materials. Maclear's internal processes govern default handling, though collateral recovery and timing vary by situation.
Platform fees, deposit charges, and withdrawal costs should be reviewed in Maclear's terms and pricing schedule. Investors are advised to confirm all applicable fees before funding their account.
