€144.1M+Total Funded
Minimum investment starts at €50 per loan
A practical guide to your first steps on the Maclear crowdlending platform
How to start investing in business loans
What new investors should know first
Maclear connects EU and EEA investors with vetted business borrowers across Europe. You buy assigned loan claims, earn monthly interest, and receive principal at term end. Capital is at risk.
€13.1M+Interest paid
Target returns up to 16.5% per year
2.1K+Funded projects
Interest paid monthly, principal at term end
52.4K+Registered investors
Every loan is backed by collateral with an LTV framework
€2.0M +Provision Fund
Borrowers graded on an internal AAA-D rating scale
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about getting started
How the platform actually works
From registration to earning interest, here is the full picture
You register and complete verification
Create your account, go through the required checks, and confirm your identity. This process is straightforward and typically takes a few minutes to complete.
Verification is required before you can fund your balance or invest in any loans on the platform. Our guide to investing for beginners explains the process without jargon.
Fund your investment balance
Transfer euros to your Maclear balance via bank transfer
Your balance earns no interest and has no deposit insurance. Business loans are one way to generate passive income each month. It's temporary storage before allocating funds.
Browse available loan projects
Each listing shows the borrower rating, interest rate, and term
Loans fund businesses across Europe, often SMEs in Central and Eastern European markets. A few practical investment tips help avoid the common mistakes. Review collateral and LTV before committing.
Invest from €50 per loan
Choose how much to allocate to each individual project
Diversifying your capital across various loans and borrower types reduces risk. Avoid concentrating all funds in one loan.
Receive monthly interest payments
Interest arrives each month into your investment balance
Reinvest earnings or withdraw them. Principal returns when the loan term ends, not in monthly installments.
Monitor performance in your dashboard
Track active loans, returns, and upcoming repayments easily
Your dashboard shows current allocations, earned interest, and project status. Use it to decide when to reinvest or diversify further.
Why investors choose Maclear to begin
A Swiss crowdlending platform offering access to collateralized European business loans with clear terms and a low entry point
0% Low barrier to entry at just €50 minimum
No fees for deposits, investments or withdrawals.
28,003 +Collateralized loans with internal LTV assessment
A growing community built around transparent investing.
€1,712 +Monthly interest keeps cash flow visible
Average amount invested by active users each month.
€139 +Provision fund helps cover temporary repayment delays
Average interest paid to active investors each month.
Featured loan projects available now
Browse current opportunities across European SME and real estate loans. Each project shows its rating, collateral, and expected return.
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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 and controls for every investor
Manage risk, track earnings, and stay informed at every step
Internal borrower ratings from AAA to D
Ratings reflect Maclear's internal risk assessment. They are not investment advice and do not guarantee repayment.
Collateral backing on every loan
Each project has collateral. Lower LTV provides greater protection if borrowers face trouble, while higher LTV involves increased risk.
Provision fund as an extra buffer
A shared fund that may offset some delays or losses. It is not insurance and doesn't guarantee full repayment.
Diversify across loans and geographies
Spread your capital across multiple borrowers, industries, and EU markets to reduce the impact of any single default.
Detailed project pages before you invest
Each listing includes borrower information, loan purpose, interest rate, term length, collateral type, and LTV ratio.
Dashboard with real-time portfolio overview
See your active investments, earned interest, and upcoming repayment dates in one place. Export data when you need it.
European business lending is growing steadily
As of 2026, demand for alternative business financing across Central and Eastern Europe remains strong. Crowdlending platforms give retail investors direct access to this market through assigned loan claims.
Explore the market
Platform performance at a glance
Maclear offers target returns up to 16.5% per year on collateralized business loans. Many loans pay around 14.5% per year before defaults and taxes. Capital is at risk.
€12M +Secondary Market volume
Target returns up to 16.5% per year on business loans
9,308 +Secondary Market participants
Every loan backed by collateral with LTV assessment
Three steps to your first investment
Getting started on Maclear takes less than you might expect
Step one: register and verify your identity
Complete the required checks to open your account
Step two: fund your balance via bank transfer
Transfer euros to your Maclear investment balance
Step three: pick a loan and invest from €50
Choose a project, review the details, and allocate funds
Benefits that grow with your portfolio
The longer you invest and the more you diversify on Maclear, the more features and advantages become available to you as an active investor
Tiered benefits based on invested volume
Larger portfolios may access priority features over time
Early access to selected new loan projects
Be among the first to review upcoming opportunities
Referral bonuses when you invite other investors
Earn a bonus for each referred investor who participates
Dedicated support for active portfolio holders
Get faster responses as your engagement grows
Join a growing community of European investors
About Maclear and how it operates
Maclear AG is a Swiss crowdlending platform connecting EU and EEA investors with vetted business borrowers. Investors buy assigned loan claims rather than lending directly. Maclear is not a bank and does not lend from its own balance sheet.
Transparency is built into every project
Each Maclear loan listing displays borrower information, credit rating, collateral details, loan-to-value ratio, and repayment conditions. Investment carries risk including potential defaults, limited liquidity, and partial or total capital loss. This is informational only, not personalized investment advice.
- Full borrower and project details published per listing
- Internal AAA-D scoring on every borrower
- Collateral type and LTV ratio disclosed upfront
- Loan term and interest rate clearly stated
- Provision fund status visible in your dashboard
- Regular portfolio reports and annual statements available
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about starting to invest
Maclear allows investors to start with €50 per loan. This low entry point makes the platform accessible to both new and seasoned investors looking to diversify their portfolios across multiple business borrowers.
The platform uses an internal rating scale from AAA to D to grade borrower creditworthiness. Each loan listing displays the assigned rating alongside collateral details and LTV framework, allowing investors to assess risk before committing capital.
Interest payments arrive monthly directly to your account balance. Principal repayment happens at the end of the loan term, giving investors predictable cash flow tied to the borrower's repayment schedule.
Verification involves identity confirmation through required checks and documentation. The process typically completes within minutes, after which you can fund your balance and begin browsing loans.
No. Funds held in your Maclear balance sit idle and earn no interest. Your balance serves solely as a holding area before you allocate capital to specific loans on the platform.
Target returns can reach up to 16.5% annually, though actual returns depend on loan selection, borrower performance, and default risk. Returns are not guaranteed; capital faces risk on every investment.
The platform primarily funds SMEs and mid-market businesses across Europe, with significant activity in Central and Eastern European markets. Loan listings detail the borrower's sector, use of funds, and collateral backing.
Every loan is secured by collateral evaluated within an LTV (loan-to-value) framework. This structure aims to provide recovery options if a borrower defaults, though collateral realisation is not guaranteed.
Yes. Spreading capital across different loans, borrowers, and sectors is encouraged as a practical risk management approach. No single loan should absorb all your investment funds on the platform.
Each project shows borrower rating, interest rate offered, loan term, and collateral details. This transparency allows investors to compare opportunities and make informed decisions before allocating funds.
Transfer euros to your Maclear balance via standard bank transfer. Funds arrive according to your bank's processing times and are then available for loan investments immediately upon receipt.
No. Your balance is not covered by deposit insurance and is separate from any bank deposits. It functions solely as a capital holding area within the Maclear investment platform.
The platform serves EU and EEA investors who complete the required verification process. Geographic and regulatory eligibility may vary; confirm your location qualifies before registering an account.
First, register and complete identity verification. Second, fund your account via bank transfer. Third, browse loan listings and select projects that match your risk appetite, starting with a €50 minimum per loan.
