€144.1M+Total Funded
Target returns up to 16.5% per year
Earn up to 16.5% per year by funding vetted companies across Europe through Maclear
Invest your money in real business loans
The numbers behind your investment
Maclear connects investors with collateralized business loans across Europe, offering target returns up to 16.5% per year with a minimum investment of just €50
€13.1M+Interest paid
Start from as little as €50
2.1K+Funded projects
Interest paid to you every month
52.4K+Registered investors
Collateralized loans with internal LTV framework
€2.0M +Provision Fund
Provision Fund supports timely interest payments
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How investing money on Maclear works
Six clear steps from registration to earning monthly interest on your capital
Create your account
Register on Maclear and complete the verification process. It takes a few minutes and gives you access to available business loan opportunities across Europe. Our guide on how to invest money covers each step in detail.
Your account is the starting point. Once verified, you can browse all listed loan projects on the platform.
Add funds to your balance
Transfer euros to your Maclear investment balance. This balance is not a bank account and is not covered by deposit insurance. It does not earn interest on its own. Investors earn passive income as interest arrives every month.
Funds sit in your balance until you allocate them to specific loans. You can withdraw uninvested money at any time.
Browse vetted loan projects
Review available business loans, each graded on Maclear's internal AAA-D scoring scale. Check collateral details, loan terms, interest rates and borrower profiles.
Each project has collateral. Lower LTV ratios provide greater protection, while higher LTV loans involve increased risk and interest rates.
Choose loans and invest from €50
Pick the loans that match your goals and risk tolerance. Spread your money across multiple borrowers, sectors and geographies to diversify your exposure.
Diversification matters. Allocating across several loans reduces the impact if one borrower defaults.
Receive monthly interest payments
Interest is paid monthly into your Maclear balance. Principal is repaid at the end of the loan term. You can reinvest interest or withdraw it.
Monthly cash flow gives you flexibility. Reinvest to compound your returns or take the income out each month.
Monitor and adjust your portfolio
Track performance through your dashboard. Review loan statuses, upcoming payments and overall portfolio health. Adjust your strategy as new projects appear.
Staying informed helps you react to changes. Check your dashboard regularly and review borrower updates when available.
Why invest your money through Maclear
A Swiss crowdlending platform offering collateralized business loans, monthly interest and an internal scoring system for every borrower
0% Target returns up to 16.5% per year
No fees for deposits, investments or withdrawals.
28,003 +Every loan backed by collateral with LTV assessment
A growing community built around transparent investing.
€1,712 +Monthly interest payments to your balance
Average amount invested by active users each month.
€139 +Provision Fund to support timely payments
Average interest paid to active investors each month.
Featured loan projects open for investment
Browse current opportunities across sectors and geographies. Each project is scored, collateralized and reviewed before listing. Join a growing community built around transparent investing.
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 to manage how you invest money
Everything you need to stay in control of your crowdlending portfolio
Personal dashboard with live data
View your active loans, interest earned, and upcoming payments in one place. Clear, real-time numbers without any guesswork.
Internal AAA-D borrower scoring
Every borrower is graded before listing. Scoring reflects internal risk assessment only and is not a guarantee of repayment.
Collateral and LTV details per loan
Each project shows its collateral type and loan-to-value ratio. Lower LTV means more buffer if the borrower faces difficulty.
Auto-invest with custom filters
Define your preferred interest rate, term and risk grade. Auto-invest matches your criteria to new loans automatically.
Monthly statements and tax reports
Download statements for your records. Maclear does not provide tax advice. Tax treatment depends on your country and personal situation.
Provision Fund visibility
The Provision Fund is a shared reserve that may help cover delays. It's not insurance and doesn't guarantee full repayment.
European business lending is a growing market
SMEs across Central and Eastern Europe need funding. As of 2026, institutional and retail investors alike are looking beyond traditional banks to crowdlending platforms like Maclear
Explore opportunities
Maclear by the numbers in 2026
Thousands of investors across the EEA already use Maclear to fund vetted business loans with target returns up to 16.5% per year and a minimum of €50 per loan
€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 start investing money
From sign-up to your first investment in minutes, not weeks
Register and verify your identity
Create an account and complete the checks
Fund your investment balance
Transfer euros via bank transfer
Pick loans and invest from €50
Choose projects that match your risk appetite
Rewards for committed investors on Maclear
The more you invest and the longer you stay, the more benefits you can access through the Maclear loyalty programme
Tiered loyalty levels based on portfolio size
Higher tiers give access to better perks
Priority access to new loan projects
See and invest in projects before others
Bonus interest on selected loans
Earn more on specific listed opportunities
Dedicated support for top-tier members
Get faster responses and personal assistance
Join a growing community of European investors
About Maclear and how it works
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors with verified businesses. Investors purchase transferred loan claims instead of direct lending. Capital at risk: loans may default, liquidity varies, potential partial or total loss.
Transparency is built into the platform
Each Maclear loan displays borrower information, collateral details, LTV ratios, and internal risk ratings. All data is visible before investment. This isn't personalized investment advice, and past performance doesn't guarantee future outcomes.
- Borrower profiles published for every project
- Collateral type and LTV ratio disclosed upfront
- Internal AAA-D scoring on each loan
- Monthly interest and principal schedule visible
- Provision Fund status shared with investors
- Downloadable reports and annual statements available
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about investing money on Maclear
Maclear offers target returns up to 16.5% per year on collateralized business loans across Europe. Returns are paid monthly directly to investors who fund vetted companies through the platform.
Investors can begin with a minimum of €50. This low entry point allows new and experienced investors to participate in European business lending without requiring substantial upfront capital.
Every loan on Maclear is secured by collateral and assessed using an internal LTV (Loan-to-Value) framework. This structure protects investor capital by ensuring loans are backed by tangible assets with defined risk levels.
The platform maintains a Provision Fund designed to support timely interest payments to investors. This reserve mechanism helps ensure regular monthly payouts even if individual borrowers face difficulties.
Maclear uses an internal AAA-D scoring scale to grade each loan project. This rating system reflects the borrower's creditworthiness and the loan's risk profile, helping investors make informed allocation decisions.
Registration takes a few minutes and includes identity verification. Once complete, your account grants immediate access to all available business loan opportunities listed on the Maclear platform across Europe.
Money held in your Maclear balance is not a bank account and does not carry deposit insurance protection. Uninvested funds can be withdrawn at any time but do not earn interest independently.
Interest payments are made to investors every month. This regular cash flow provides consistent income from funded business loans without requiring manual intervention or periodic claims.
Yes, spreading capital across multiple borrowers, sectors and geographies reduces concentrated risk. Investors can allocate funds to loans with varying risk profiles and interest rates based on personal tolerance and objectives.
Each business loan displays its specific terms, interest rate, collateral details and borrower profile. Investors review this information before committing funds, choosing loans aligned with their investment horizon and return expectations.
Maclear connects investors with vetted business loans across Europe, enabling geographic diversification. The platform sources collateralized loans from multiple countries, reducing dependency on any single market's economic conditions.
