€144.1M+Total Funded
Start from just €50 per loan
Begin investing in business loans from just €50 and earn monthly interest on Maclear
A practical starting point for new investors
Why beginners choose crowdlending in 2026
Crowdlending gives new investors direct access to business loans across Europe with a low entry point, monthly interest payments, and clear loan terms from day one
€13.1M+Interest paid
Target returns up to 16.5% per year
2.1K+Funded projects
Interest paid to your account monthly
52.4K+Registered investors
Every loan is backed by collateral
€2.0M +Provision Fund
Spread across multiple borrowers and regions
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about getting started
How investing on Maclear actually works
Six straightforward steps from registration to your first interest payment
Create your account
Register on Maclear and complete the verification process. It takes a few minutes and you can do it from any EU or EEA country where Maclear is available.
Quick registration with standard identity checks so you can move on to funding your account.
Add funds to your balance
Transfer euros to your Maclear investment balance via bank transfer. Brush up on investment basics before choosing your first loan. This balance is not a bank deposit and is not covered by deposit insurance.
Your investment balance holds funds ready to allocate. A few practical investment tips help avoid the common mistakes. It does not earn interest on its own.
Browse available loans
Review listed business loans, check borrower ratings on the AAA-to-D scale, loan terms, collateral details, and the target interest rate for each project.
Each loan page shows the borrower profile, LTV ratio, term length, and expected return.
Choose a loan and invest
Pick a loan that fits your goals. The minimum per loan is €50. You buy an assigned loan claim, meaning you hold a right to the borrower's repayments.
You are not lending directly. Maclear assigns the loan claim to you after you invest.
Receive monthly interest
Interest is paid monthly to your Maclear balance. Principal is repaid at the end of the loan term. You can reinvest interest or withdraw it.
Monthly interest payments give you regular cash flow. Principal comes back when the loan matures.
Reinvest or withdraw
Once interest or principal lands in your balance, you decide what happens next. Reinvest into new loans or withdraw to your bank account.
You stay in control of every euro. Reinvest to compound or cash out when you need to.
What makes Maclear beginner friendly
Built for clarity, not complexity. Every tool a new investor needs is on one dashboard with no hidden steps. Beginners can start investing with just €50 per loan.
0% Low entry at €50 per investment
No fees for deposits, investments or withdrawals.
28,003 +Plain language loan pages with clear terms
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 +Provision fund for temporary repayment delays
Average interest paid to active investors each month.
Featured loans worth a closer look
Explore current business loan opportunities with collateral, borrower ratings, and target returns displayed upfront.
Investment Calculator
Promotions
Loyalty bonus 
Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Tools that keep beginners in control
Everything you need to understand your portfolio at a glance
Personal dashboard with live portfolio data
See your active loans, earned interest, and upcoming repayments in one place without spreadsheets.
Borrower ratings on every loan
Each borrower is scored AAA to D based on internal risk assessment. Ratings are not investment advice.
Collateral and LTV information
Every project is collateralised. A lower LTV means more protection if the borrower runs into difficulty.
Auto invest with custom filters
Choose your preferred loan term, interest rate, and rating. Auto invest picks matching loans for you.
Monthly interest tracking
Watch interest arrive monthly. The dashboard shows what you have earned and what is still outstanding.
Diversification across loans
Spread your capital across multiple loans and geographies to reduce the impact of any single default.
European business lending is growing fast
Small and medium businesses across Central and Eastern Europe need funding that traditional banks often struggle to provide. Crowdlending connects them with investors looking for yield.
Explore the market
Maclear by the numbers
Thousands of investors across Europe already use Maclear to invest in collateralised business loans starting from just €50 with target returns up to 16.5% per year
€12M +Secondary Market volume
Target returns up to 16.5% per year
9,308 +Secondary Market participants
Minimum investment of €50 per loan
Three steps to your first investment
From zero to invested in under fifteen minutes
Register and verify your identity
Create an account and complete verification
Fund your investment balance
Transfer euros via standard bank transfer
Pick a loan and invest from €50
Choose a loan and start earning interest
Rewards that grow with your portfolio
The longer you invest and the more you allocate on Maclear, the more benefits you can access through the loyalty programme
Bronze tier for new investors
Access core features from your first investment
Silver tier as your portfolio grows
Improved terms and priority access to new loans
Gold tier for committed investors
Enhanced benefits and dedicated support
Platinum tier for top portfolios
Premium perks and exclusive early access
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. You invest through assigned loan claims, not direct lending. Capital at risk: loans may default, liquidity may be limited, and losses possible.
Transparency you can actually check
All Maclear loans display borrower ratings, collateral details, loan-to-value ratios, interest rates, and payment terms upfront. This isn't investment advice or personalized guidance. Review the fee schedule in our terms before committing funds.
- Borrower ratings published on every loan page
- Collateral type and LTV details disclosed upfront
- Interest rate and term clearly stated
- Provision fund status visible to all investors
- Annual statements for your 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 from beginner investors
Crowdlending allows individual investors to fund business loans across Europe with minimal capital. Maclear offers direct access to vetted borrowers, monthly interest payments, and entry points as low as €50 per loan.
Beginners can start investing with just €50 per loan. There is no minimum account balance requirement, making Maclear accessible to investors with varying capital levels.
Target returns reach up to 16.5% per year depending on loan selection and risk profile. Monthly interest payments are deposited directly to your account, providing regular income.
Every loan on Maclear is backed by collateral, reducing default risk. Borrower ratings on the AAA-to-D scale and LTV ratios help investors assess security levels before committing funds.
Spread investments across multiple borrowers and different regions to lower concentration risk. Reviewing loan terms, collateral details, and borrower ratings helps identify lower-risk opportunities.
Account creation takes a few minutes and requires standard identity verification. Registration is available to residents in EU and EEA countries where Maclear operates.
Transfer euros to your Maclear balance via bank transfer. This investment balance is separate from bank deposits and is not covered by deposit insurance.
Each loan listing shows borrower profile details, LTV ratio, loan term length, collateral description, and target interest rate. This transparency allows informed decision-making before investing.
Maclear assigns a loan claim to you, granting a right to the borrower's repayments. You own the claim and receive allocated interest payments as the borrower makes scheduled repayments.
Interest is paid monthly directly to your investment account as borrowers make their scheduled repayments. Timing depends on the loan term and borrower payment schedule.
Yes, Maclear offers business loans across Europe, allowing portfolio diversification by geography. Regional spread reduces exposure to local economic conditions and improves risk management.
Ratings on the AAA-to-D scale indicate credit quality and repayment reliability. Higher-rated borrowers typically offer lower returns but carry less default risk, while lower ratings offer higher returns with increased risk.
Maclear provides a six-step process: register, add funds, browse loans, select a loan, invest, and wait for monthly payments. Each step includes clear instructions and verification to keep your account secure.
