€144.1M+Total Funded
Target returns up to 16.5% per year
Invest in collateralized business loans across Europe with target returns up to 16.5% per year
Put your capital to work with Maclear
The numbers behind Maclear investing
Maclear connects investors with vetted business borrowers across Europe. Interest is paid monthly, and principal is repaid at the end of the loan term. Capital is at risk.
€13.1M+Interest paid
Minimum investment starting from €50
2.1K+Funded projects
Collateralized loans with internal LTV framework
52.4K+Registered investors
Interest paid monthly to your balance
€2.0M +Provision Fund
Borrowers scored on an internal AAA-D scale
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How investing on Maclear actually works
From registration to receiving monthly interest, here is every step explained
Register and verify your identity
Create an account and complete the required verification steps. Maclear runs internal screening checks before granting access to the investment platform. Brush up on investment basics before choosing your first loan.
Your account is set up and verified so you can begin reviewing available loan projects.
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.
Funds sit in your balance until you allocate them to specific loan projects on the platform.
Browse and select loan projects
Each project shows the borrower rating, interest rate, loan term, collateral type, and LTV ratio. Review the details before committing any capital.
You choose which loans to invest in based on your own risk appetite and diversification strategy.
Invest from €50 per loan
Allocate as little as €50 to a single loan. Spreading your capital across multiple borrowers, sectors, and geographies can help manage concentration risk.
You buy assigned loan claims. You do not lend directly to borrowers.
Receive monthly interest payments
Interest is paid monthly to your balance. Principal is repaid at the end of the loan term. Borrower default can delay or reduce expected payments.
Payments appear in your balance and can be reinvested into new projects or withdrawn.
Withdraw or reinvest at term end
When a loan matures and the borrower repays, your principal returns to your balance. You can reinvest or transfer funds back to your bank account.
Liquidity can be limited during the loan term. Plan your investments according to your time horizon.
Why investors choose Maclear for business loans
Collateralized European business loans, an internal scoring system, and a provision fund that may absorb some delays or partial losses
0% Every loan is backed by collateral
No fees for deposits, investments or withdrawals.
28,003 +Internal AAA-D borrower scoring
A growing community built around transparent investing.
€1,712 +Provision fund for temporary repayment delays
Average amount invested by active users each month.
€139 +Diversification across sectors and countries
Average interest paid to active investors each month.
Featured loan projects on Maclear
Browse current opportunities across Eastern and Central Europe. Each project includes collateral details, borrower rating, and expected return.
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 and controls for every investor
Maclear gives you the data and options to invest on your terms
Borrower risk ratings from AAA to D
Internal scoring helps you assess borrower quality. Ratings reflect risk assessment, not a guarantee of repayment.
Collateral and LTV details per loan
Every project is collateralized. A lower LTV means more protection if the borrower runs into difficulty.
Diversification across geographies
Spread your investments across borrowers in different European markets to reduce concentration in a single economy.
Provision fund coverage
A shared reserve can cushion some delays or partial losses but isn't insurance and doesn't guarantee complete repayment.
Monthly interest payment schedule
Interest paid monthly. Principal returned at loan maturity. Creates steady, predictable cash flow for your portfolio.
Minimum investment of just €50
Begin with small amounts and increase gradually as you build confidence. Lower initial investment reduces risk while learning the platform.
European business lending is a growing market
As of 2026, demand for alternative financing among SMEs in Eastern and Central Europe remains strong. Crowdlending fills a gap that traditional banks often leave open for smaller businesses.
Explore opportunities
Maclear by the numbers in 2026
Real figures from a growing platform. Returns vary by loan and by borrower risk. Past performance does not predict future results, and capital is at risk.
€12M +Secondary Market volume
Many loans pay around 14.5% per year before defaults and taxes
9,308 +Secondary Market participants
Target returns up to 16.5% per year on select loans
Start investing in three simple steps
From sign-up to your first investment in minutes, not weeks
Create your Maclear account
Register online and complete identity verification
Fund your investment balance
Transfer euros via bank transfer to your balance
Pick a loan and invest from €50
Choose a project that fits your risk appetite
Loyalty rewards for active Maclear investors
The more you invest and the longer you stay, the more benefits you can access. Loyalty tiers reward commitment with better terms.
Tiered benefits based on portfolio size
Larger portfolios may qualify for higher tier perks
Priority access to new loan projects
Be among the first to invest in fresh opportunities
Potential bonus interest on select loans
Higher loyalty tiers may earn additional interest
Dedicated support for top-tier investors
Get faster responses and personal account assistance
Join a community of European investors
About Maclear and how we operate
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors with verified business borrowers. Investors purchase assigned loan claims, not direct loans. Maclear isn't a bank, so investments aren't deposits or deposit-insured.
Transparency is how we build trust
Each Maclear loan includes public borrower ratings, collateral information, LTV ratios, and payment schedules. We openly publish platform statistics. This isn't investment advice or personalized guidance. You risk losing some or all invested capital through defaults or limited liquidity.
- Published borrower ratings on every loan
- Collateral type and LTV ratio disclosed
- Repayment schedule visible before you invest
- Platform statistics updated regularly
- Annual statements available for tax reporting
- Maclear does not provide tax advice
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about investing on Maclear
Maclear investors can target returns up to 16.5% per year on collateralized business loans across Europe. Interest payments are made monthly to your account balance throughout the loan term.
Investors can start with just €50 per loan on Maclear. This low entry point allows diversification across multiple borrowers and sectors without requiring substantial initial capital.
All loans on Maclear are collateralized with an internal loan-to-value framework. Borrowers are rated on an AAA-D scale to assess credit quality and risk before loan approval.
Interest on Maclear loans is paid monthly directly to your investment balance. The principal amount is repaid when the loan term expires, allowing for regular income during the investment period.
New investors register, complete identity verification, and undergo Maclear's internal screening checks before gaining platform access. These checks confirm your eligibility to invest.
After funding your settlement balance via bank transfer, you browse available loan projects showing borrower ratings, interest rates, terms, and collateral details. You then choose which loans match your risk strategy.
Maclear connects investors with vetted business borrowers operating across Europe. Geographic diversification across multiple countries helps reduce concentration risk within your portfolio.
Funds held in your Maclear settlement balance do not earn interest and are not covered by deposit insurance. Capital allocated to loans carries investment risk as principal may not be fully recovered.
Spreading capital across multiple borrowers, sectors, and geographies on Maclear helps manage concentration risk. The €50 minimum per loan facilitates building a diversified portfolio efficiently.
Each Maclear loan project displays the borrower's AAA-D rating, interest rate, loan duration, collateral type, and LTV ratio. This data allows investors to make informed allocation decisions aligned with their risk tolerance.
