€144.1M+Total Funded
Target returns up to 16.5% per year
Lend to vetted businesses across Europe and earn monthly interest through Maclear
How to make passive income that works
Passive income in real numbers
Maclear connects investors with collateralized business loans across Europe, offering target returns up to 16.5% per year with interest paid monthly and principal returned at term end
€13.1M+Interest paid
Start with as little as €50
2.1K+Funded projects
Interest paid to your account monthly
52.4K+Registered investors
Collateralized loans with internal LTV framework
€2.0M +Provision Fund
Provision fund supports timely interest during delays
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about their experience
How passive income works on Maclear
Six steps from registration to monthly interest hitting your balance
Create your account
Register on Maclear, complete your verification, and set up your investor profile. You can invest money in vetted business loans starting from €50. The process takes a few minutes and you can review loan opportunities right away.
Quick registration with identity verification gets you access to all available loan projects on the platform.
Fund your investment balance
Transfer euros to your settlement balance via bank transfer
Your balance is used to invest or withdraw. It does not earn interest and is not covered by deposit insurance. Earning passive income from loans requires no daily management.
Browse vetted loan projects
Review borrower details, collateral, LTV, and risk ratings
Every project displays its AAA-D rating, loan duration, interest rate, and collateral details for easy comparison before investing. Diversifying sources of income reduces reliance on a single payout.
Choose loans and invest from €50
Pick one or spread across several loans and geographies
Diversifying across multiple loans and borrower regions can help reduce the impact of a single default on your overall portfolio.
Receive monthly interest payments
Interest is credited to your balance each month automatically
Borrowers pay monthly interest that you can reinvest in new loans or accumulate for future withdrawal.
Get principal back at term end
When the loan matures, principal is returned to your balance
Principal returns when the loan ends. Defaults may occur, potentially losing some or all invested funds.
Why crowdlending can generate passive income
Business loans pay regular interest, giving investors a recurring income stream tied to real economic activity across Europe
0% Monthly interest creates a recurring cash flow
No fees for deposits, investments or withdrawals.
28,003 +Loans are backed by collateral with LTV checks
A growing community built around transparent investing.
€1,712 +Spread across borrowers and regions to manage risk
Average amount invested by active users each month.
€139 +Reinvest earnings to compound over time
Average interest paid to active investors each month.
Featured loan projects on Maclear
Browse current opportunities with detailed borrower profiles, collateral data, and internal risk ratings before you commit any capital.
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.
Tools that keep you informed and in control
Monitor your passive income portfolio with clear data and flexible options
Real-time dashboard for your portfolio
Track invested amounts, earned interest, upcoming payments, and overall performance in one view.
Internal risk ratings on every loan
Each borrower is scored on a AAA-D scale based on internal assessment. Ratings are not investment advice.
Collateral and LTV details disclosed
Every project shows what backs the loan and the loan-to-value ratio so you understand the protection layer.
Provision fund as a buffer
A shared reserve may help cover temporary payment delays. It is not insurance and does not guarantee repayment.
Diversification across geographies
Loans fund businesses in different European markets, helping you avoid concentration in a single economy.
Monthly income statements
Download clear records of interest received and principal movements for your personal tax reporting needs.
European business lending is a growing market
SMEs across Central and Eastern Europe need capital to grow, and investors in the EU and EEA can participate by funding collateralized loans through platforms like Maclear
Explore the market
Performance that speaks for itself
Many loans on Maclear pay around 14.5% per year before defaults and taxes, with target returns reaching up to 16.5% per year on selected projects
€12M +Secondary Market volume
Target returns up to 16.5% per year on selected loans
9,308 +Secondary Market participants
€50 minimum investment per loan project
Three steps to your first passive income
Getting started takes minutes, not days or weeks of paperwork
Register and verify your identity
Create an account and complete the required checks
Fund your balance and pick loans
Transfer euros and choose from available projects
Earn monthly interest on your investments
Interest is paid monthly, principal returns at term end
Loyalty rewards for active investors
The more you invest and the longer you stay, the more benefits you can access through the Maclear loyalty programme
Tiered bonuses based on invested volume
Higher tiers bring better perks over time
Priority access to new loan projects
Be among the first to review fresh opportunities
Referral rewards for inviting fellow investors
Share Maclear and earn when friends invest
Dedicated support for top-tier members
Get faster responses and personalised assistance
Join a community of European investors
About Maclear and how it works
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors with verified business borrowers. Investors purchase assigned loan claims. Interest pays monthly; principal returns at maturity. All capital is at risk, including potential total loss.
Transparency you can actually verify
Every Maclear loan includes borrower details, collateral data, LTV ratios, and risk ratings, giving you complete transparency before investing. This information isn't investment or tax advice and doesn't consider your personal circumstances or residency.
- Borrower financials shared before funding opens
- Collateral type and LTV ratio clearly listed
- Internal AAA-D rating for every project
- Loan terms and repayment schedule disclosed upfront
- Monthly statements available for download
- Platform statistics updated regularly
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about passive income on Maclear
Maclear offers target returns up to 16.5% per year on collateralized business loans across Europe. Interest is paid monthly directly to investor accounts, with principal returned when the loan term ends.
Investors can begin with as little as €50 on Maclear. This low entry point makes peer-to-peer lending accessible to those building their first passive income streams.
Each loan is collateralized and evaluated using Maclear's internal LTV framework. A provision fund also helps cover interest payments if borrowers experience delays, adding an extra layer of protection.
Create an account on Maclear, complete identity verification, and set up your investor profile in minutes. You'll immediately gain access to browse all available loan opportunities on the platform.
Maclear connects investors with vetted businesses across Europe seeking collateralized loans. Borrowers use these funds for operations while investors earn monthly returns through interest payments.
Yes. Diversifying across several loans and different geographic regions can help reduce risk from any single borrower default. Maclear's platform makes it simple to split your balance strategically.
Interest is credited to your account monthly, providing regular passive income without needing to wait until loan maturity. This frequency helps compound returns and gives you recurring cash flow.
Your principal is returned to your settlement balance at term completion. From there you can reinvest in new loans, withdraw funds, or hold cash for future opportunities.
Each loan project displays borrower details, collateral type, LTV ratio, risk rating on the AAA-D scale, loan term, and interest rate. This transparency lets you compare and choose based on your risk tolerance.
Your settlement balance does not earn interest and is not covered by deposit insurance. It functions as a working account to fund investments or process withdrawals on the platform.
Maclear provides comprehensive borrower information including their credit rating, collateral assets, loan purpose, term length, and the internal risk assessment. This data helps investors make informed decisions before committing funds.
The provision fund is designed to support timely interest payments when borrowers experience delays. This mechanism helps maintain your expected monthly income even during temporary cash flow issues at the business level.
Yes, you can withdraw your settlement balance at any time. However, funds already invested in active loans remain locked until their maturity date or you sell your position on a secondary market if available.
LTV measures the loan amount relative to collateral value. A lower LTV means stronger collateral backing, reducing default risk. Maclear's internal framework helps investors quickly assess each loan's collateral quality.
Maclear lends to vetted businesses across Europe that need working capital or operational funding. All borrowers undergo internal screening and must provide collateral to secure their loans against investor capital.
