€144.1M+Total Funded
Target returns up to 16.5% per year
Invest in collateralized business loans with target returns up to 16.5% per year
Put your capital to work in real business
Maclear investment business in numbers
Real businesses borrow, you earn interest. Every loan is collateralized and scored on an internal AAA-D scale before it reaches the platform
€13.1M+Interest paid
Minimum investment starting from €50
2.1K+Funded projects
Interest paid to your account monthly
52.4K+Registered investors
Collateral backs every listed loan
€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 investment in business loans works
From registration to monthly interest, here is the full process
Register your Maclear account
Create an account in minutes. Verification is required before you can fund your balance and begin selecting loans. Private investment in vetted business loans works the same way on Maclear.
A verified account is the first step. No investment is possible until checks are complete.
Fund your investment balance
Transfer euros into your settlement balance. This balance does not earn interest and is not covered by deposit insurance.
Your balance holds funds until you allocate them to specific business loans on the platform. A crowdfunding investment in loans pays interest monthly.
Browse available business loans
Each loan shows its term, interest rate, borrower rating, collateral type, and loan-to-value ratio so you can compare before you commit.
Loans fund SMEs and projects across Europe, often in Eastern and Central European markets.
Invest from €50 per loan
Choose how much to allocate. You buy assigned loan claims rather than lending directly. Diversify across multiple loans if you prefer.
Spreading your capital across several borrowers and geographies can help manage concentration risk.
Receive monthly interest payments
Interest is paid monthly into your balance. Principal is repaid at the end of the loan term. Defaults can occur and may result in losses.
Monthly cash flow depends on borrower performance. Late payments or defaults are possible.
Reinvest or withdraw your returns
When interest or principal arrives, reinvest into new loans or withdraw to your bank account. Liquidity may be limited during the loan term. There are no fees for deposits, investments or withdrawals.
There is no guaranteed exit before maturity. Plan your investment horizon accordingly.
Why investors choose business loan investing
Collateralized loans, monthly interest, internal scoring, and a Provision Fund that supports timely payments during temporary delays
0% Target returns up to 16.5% APR
No fees for deposits, investments or withdrawals.
28,003 +Every loan backed by borrower collateral
A growing community built around transparent investing.
€1,712 +Internal AAA-D borrower risk grading
Average amount invested by active users each month.
€139 +Provision Fund for temporary repayment delays
Average interest paid to active investors each month.
Featured business loans available now
Browse current opportunities across industries and EU geographies. Check ratings, terms, and collateral before you invest.
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 that keep you informed and in control
Monitor every loan, track cash flow, and manage risk from your dashboard
Real-time portfolio dashboard
See your active investments, accrued interest, and upcoming repayment dates in one place.
Borrower rating and scoring details
Each borrower is graded AAA to D. Ratings reflect internal risk assessment, not a repayment guarantee.
Loan-to-value visibility
Lower LTV generally means more collateral coverage. Higher LTV can carry higher risk and higher interest.
Provision Fund status updates
The Provision Fund may absorb some delays. It is not insurance and does not guarantee full repayment.
Automatic reinvestment settings
Configure auto invest to redeploy returned interest and principal into new loans that match your preferences.
Detailed transaction history
Every investment, interest payment, and withdrawal is logged and exportable for your records.
Business lending across European markets
Capital from Western and Northern European investors flows into SME loans and development projects in Eastern and Central Europe where demand for financing remains strong
Explore the market
Portfolio performance at a glance
Many loans on Maclear pay around 14.5% per year before defaults and taxes. Returns vary by loan, borrower risk, and market conditions
€12M +Secondary Market volume
Target returns up to 16.5% per year across the platform
9,308 +Secondary Market participants
Minimum allocation of €50 per individual loan
Start your investment business in three steps
From zero to your first business loan in under ten minutes
Create and verify your account
Complete registration and pass the required checks
Fund your balance with euros
Transfer from your bank to your settlement balance
Pick a loan and invest from €50
Choose a loan, confirm, and start earning interest
Loyalty benefits for active investors
The more you invest and the longer you stay, the more perks become available to you on the Maclear platform
Tiered rewards based on invested volume
Higher tiers may bring priority access to new loans
Referral bonuses for inviting other investors
Earn a bonus when someone you refer makes their first investment
Early access to selected loan listings
Top-tier investors may see new loans before the general release
Dedicated support for high-volume accounts
Priority assistance when you need help with your portfolio
Join a growing community of European investors
About Maclear and what we do
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors with pre-screened businesses. Investors purchase assigned loan claims. All capital is at risk, including potential total loss from defaults or limited liquidity.
Transparency at every level of the process
Each loan displays borrower credit rating, collateral details, loan-to-value percentage, duration, and rate. We share portfolio metrics and reserve fund information for risk evaluation. This data is informational only and is not investment advice.
- Public loan book with live performance data
- Borrower ratings updated after internal review cycles
- Collateral and LTV disclosed per loan listing
- Provision Fund balance visible on the platform
- Historical default and recovery statistics available
- Quarterly platform reports published for all investors
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about investing in business loans
Maclear investors can target returns up to 16.5% per year through collateralized business loans. Interest is paid monthly directly to investor accounts, providing regular income streams from real business borrowing activity across Europe.
Minimum investment on Maclear starts from €50 per loan. Investors can diversify by allocating capital across multiple business loans, with flexibility to choose investment amounts per loan based on their strategy.
Every loan listed on Maclear is collateralized, meaning real assets back each borrowing arrangement. The platform maintains a Provision Fund designed to support timely interest payments, adding an additional layer of investor protection.
Maclear connects investors with small and medium-sized enterprises across Europe, particularly in Eastern and Central European markets. Each borrower is internally scored on an AAA-D scale before loans appear on the platform.
Registration takes minutes, but verification must be completed before funding your balance or selecting loans. This verification step ensures only eligible investors access the platform and protects both parties.
The settlement balance holding your euros does not earn interest and is not covered by deposit insurance. Once transferred to specific loan investments, capital is secured by the underlying collateral rather than insurance.
Each business loan displays its term length, interest rate, borrower rating, collateral type, and loan-to-value ratio. This transparency allows investors to compare opportunities and make informed allocation decisions before committing capital.
Yes, Maclear's structure encourages spreading investments across multiple loans and geographies. This diversification approach helps manage concentration risk and exposure to any single borrower or market.
Interest payments are made monthly to your Maclear account. Regular distributions create consistent cash flow as borrowers service their loans throughout the investment term.
Maclear's internal rating scale ranges from AAA (highest quality) to D (lowest quality), assessing each loan before platform listing. This scoring helps investors understand relative risk levels across available borrowing opportunities.
Investors purchase assigned loan claims rather than lending directly to borrowers. This structure allows fractional investment from €50 minimums and provides legal clarity around investor rights and loan ownership.
The Provision Fund is a protective mechanism designed to ensure timely interest payments to investors when borrower performance becomes difficult. It adds a buffer between normal loan servicing and investor payment obligations.
Maclear focuses heavily on Eastern and Central European SMEs, though business loans span across the broader European continent. Geographic diversity in the loan book helps reduce regional economic concentration.
Create an account, complete verification, transfer euros into your settlement balance, browse available loans showing all relevant terms, and allocate capital starting from €50 per loan. Monthly interest then flows to your account automatically.
Business loans carry borrower default risk despite collateral backing. Settlement balances lack deposit insurance and returns are not guaranteed. Market conditions, collateral values, and economic factors all influence actual outcomes versus stated targets.
