€144.1M+Total Funded
Target returns up to 16.5% per year
How crowdlending works, what the risks are, and how to begin investing on Maclear
Investment basics you actually need to know
Key numbers behind Maclear investments
Maclear connects EU and EEA investors with vetted business borrowers across Europe, offering target returns up to 16.5 percent per year with a minimum investment of just fifty euros
€13.1M+Interest paid
Minimum investment starting from €50
2.1K+Funded projects
Interest paid to investors monthly
52.4K+Registered investors
Principal repaid at the end of the loan term
€2.0M +Provision Fund
Every loan backed by borrower collateral
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How crowdlending on Maclear actually works
Six steps from registration to earning interest on business loan claims
You invest in assigned loan claims
Maclear is not a bank. Borrowers sign loan agreements, and investors purchase assigned loan claims. Our guide to investing for beginners explains the process without jargon. Your capital goes to real businesses, not a deposit account.
Investors buy claims on loans issued to vetted SME borrowers across Europe, not deposits or savings products. Our guide on how to invest money covers each step in detail.
Borrowers are screened and scored internally
Every borrower goes through internal checks and is graded on Maclear's AAA to D scale. This is a risk assessment, not a guarantee of repayment or investment advice.
Internal scoring helps you compare risk across projects, but no rating eliminates the chance of default.
Loans are collateralized with an LTV framework
Every project is backed by collateral. A lower loan-to-value ratio means more protection if a borrower has difficulty, while higher LTV can carry higher risk and interest.
Collateral and LTV ratios give structure, but they cannot fully prevent losses if a borrower defaults.
Interest is paid monthly to your balance
Once you invest, interest accrues and is paid monthly into your settlement balance. Principal is repaid at the end of the loan term, not gradually each month.
Monthly interest payments provide regular cash flow, while your principal stays invested until maturity.
A provision fund supports timely payments
Maclear maintains a shared provision fund that may help absorb some delays or partial losses. It supports timely interest during temporary repayment issues but is not insurance.
The provision fund is a buffer, not a guarantee. It cannot promise full repayment of principal or interest.
Capital is at risk on every investment
Loans can default, liquidity can be limited, and investors may lose part or all of the money invested. Diversification across loans and geographies helps manage but does not eliminate risk. See what are alternative investments and how they work in practice.
This information is not investment advice and does not take your individual circumstances into account.
Why investors choose Maclear for crowdlending
Accessible entry point, collateralized loans, monthly interest, and full transparency on borrower risk across European markets
0% Start with just €50 per loan investment
No fees for deposits, investments or withdrawals.
28,003 +Target returns up to 16.5% per year
A growing community built around transparent investing.
€1,712 +Diversify across borrowers, sectors, and countries
Average amount invested by active users each month.
€139 +Internal scoring on every borrower from AAA to D
Average interest paid to active investors each month.
Featured loans open for investment now
Browse current opportunities, review borrower ratings and collateral details, then decide where your capital goes.
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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 smarter investing
Maclear gives you practical features to manage your portfolio
Auto-invest with custom filters
Choose loan terms, risk grades, and amounts. Auto-invest matches your preferences so you stay diversified.
Dashboard with real-time portfolio overview
Track active investments, earned interest, upcoming maturities, and total exposure in one clear view.
Borrower profiles with full documentation
Every loan page includes business details, collateral type, LTV ratio, internal rating, and repayment schedule.
Internal AAA to D risk scoring
Each borrower is graded after screening. Higher grades mean lower assessed risk, but no grade eliminates default.
Monthly interest credited to your balance
Interest arrives monthly. You can reinvest it into new loans or withdraw, depending on available balance.
Collateral and LTV data on every loan
Review what backs each loan before you invest. Lower LTV typically means a larger collateral cushion.
European SME lending is a growing market
Small and medium businesses across Central and Eastern Europe need funding that traditional banks often cannot provide quickly enough, creating real opportunity for private investors
Explore opportunities
Performance that matters to investors
Many loans on Maclear pay around 14.5 percent per year before defaults and taxes, with target returns reaching up to 16.5 percent depending on borrower risk and loan terms
€12M +Secondary Market volume
Target returns up to 16.5% per year on higher-risk loans
9,308 +Secondary Market participants
Many loans average around 14.5% per year before taxes
How to start investing on Maclear
Three straightforward steps from registration to your first investment
Create your account and complete verification
Register, pass the required checks, and confirm identity
Fund your balance and browse available loans
Transfer euros to your settlement balance via bank transfer
Pick loans or enable auto-invest to diversify
Invest from €50 per loan, manually or automatically
Rewards for consistent investors on Maclear
Active investors who grow their portfolio over time may benefit from loyalty features designed to reward long-term commitment to the platform
Tiered benefits based on invested volume
Higher portfolio value can unlock better reward tiers
Priority access to selected new loans
Get early visibility on freshly listed opportunities
Referral bonuses for bringing new investors
Invite others and earn a bonus when they invest
Ongoing improvements based on investor feedback
Feature requests from loyal users shape the platform roadmap
Join a growing community of European investors
About Maclear and how it operates
Maclear AG is a Swiss crowdlending platform linking EU/EEA investors with verified business borrowers. It's not a bank and doesn't use its own funds. Investments carry risk of default, limited liquidity, and potential capital loss.
Transparency at the core of every decision
Maclear discloses borrower information, collateral details, LTV ratios, and risk scores for all loans before you invest. Annual statements support tax reporting, but tax treatment varies by location and personal circumstances. This isn't investment advice tailored to you.
- Full borrower profiles published for each loan
- Collateral type and LTV ratio disclosed upfront
- Internal AAA to D risk grades visible before investing
- Monthly interest and repayment schedule clearly stated
- Annual investment statements available for download
- Platform statistics updated regularly for all users
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about investing on Maclear
Crowdlending on Maclear is a way for investors to buy assigned loan claims from vetted European SME borrowers. Your capital flows directly to real businesses, and you earn monthly interest payments until the loan matures and principal is repaid.
Maclear offers target returns up to 16.5% per year depending on loan risk and collateral backing. Returns vary by project; higher interest typically corresponds to higher risk. Interest is paid monthly into your settlement balance.
The minimum investment on Maclear is €50 per loan claim. This low entry point allows investors to diversify across multiple borrowers and loan terms without a large upfront commitment.
Every borrower undergoes internal checks and receives a risk grade on Maclear's AAA to D scale. This scoring helps investors assess risk across different loans, though no rating guarantees repayment or eliminates default risk.
Each loan is backed by collateral with a loan-to-value (LTV) ratio framework. Lower LTV means more collateral cushion if a borrower struggles; higher LTV typically carries greater risk but potentially higher interest rates.
Interest payments arrive monthly into your settlement balance throughout the loan term. Principal repayment occurs at the end of the agreed loan period, not in installments. The exact timeline depends on the specific loan agreement.
Default risk is the primary concern: if a borrower cannot repay, collateral recovery may be incomplete or take time. Currency fluctuations, regulatory changes, and platform operational risks also exist. No safeguards fully prevent losses.
Maclear serves investors in the EU and EEA who meet regulatory requirements. Account holders must be 18 or older and comply with their local tax and investment regulations.
The process involves account creation, identity verification, and funding your balance. Once approved, you can browse available loan claims, assess their risk profiles, and invest in projects that match your risk tolerance.
Maclear may offer a secondary market where investors can sell existing loan claims to other users before maturity. Availability and pricing depend on market demand and platform features at the time.
Maclear typically charges fees for loan origination, servicing, or account management. Specific fee structures should be reviewed in the platform's terms and pricing schedule before investing.
