€144.1M+Total Funded
Target returns up to 16.5% per year
Practical ways to invest smarter and manage risk across business loans
Investment tips that actually matter
Why these investment tips work on Maclear
Maclear gives EU and EEA investors access to collateralized business loans with target returns up to 16.5% per year, but every loan carries real risk and requires informed decisions
€13.1M+Interest paid
Minimum investment starts at just €50
2.1K+Funded projects
Collateralized loans with internal LTV assessment
52.4K+Registered investors
Interest paid monthly, principal at term end
€2.0M +Provision Fund
Provision fund for temporary repayment delays
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about their experience
Six investment tips for crowdlending on Maclear
Each tip helps you make better choices and understand the risks involved
Diversify across multiple loans
Spreading your capital across different borrowers, sectors, and geographies reduces the impact of any single default. Never put everything into one loan. The investing basics behind P2P lending are explained separately.
Start with €50 per loan and spread across at least ten different projects to reduce concentration risk. You can invest in business loans directly on Maclear.
Understand the borrower rating
Maclear grades borrowers on an internal AAA-D scale. Higher-rated borrowers tend to carry lower risk, but no rating can guarantee repayment.
Review each rating before investing. Scores reflect internal risk assessment, not investment advice.
Check the collateral and LTV ratio
Every Maclear project is collateralized. A lower loan-to-value ratio means more protection if the borrower runs into difficulty, while higher LTV can carry higher risk.
Look at the LTV figure on each loan page. Lower LTV generally means a bigger buffer for your investment.
Match loan terms to your timeline
Liquidity can be limited on crowdlending platforms. Pick loan durations you can actually hold through because early exit may not always be possible.
Only invest money you will not need before the loan term ends. Plan around the repayment schedule.
Reinvest interest to compound growth
Interest is paid monthly on Maclear. Business loans are among the steadier passive income sources. You can reinvest those payments into new loans to build your portfolio faster, though this also increases exposure.
Monthly interest payments give you regular capital to redeploy. Use them to diversify into fresh loans.
Never invest more than you can lose
Capital is at risk. Loans can default, platforms can face issues, and there is no deposit insurance. Only allocate money you are genuinely prepared to lose entirely.
Crowdlending should be one part of a broader portfolio, not your entire financial plan.
Why investors choose Maclear for business loans
Maclear is a Swiss crowdlending platform connecting EEA investors with vetted business borrowers across European markets
0% Collateralized business loans with internal risk scoring
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 +Provision fund to support during temporary delays
Average amount invested by active users each month.
€139 +Transparent loan details before you commit any capital
Average interest paid to active investors each month.
Featured loans available right now
Every listing displays borrower rating, collateral information, LTV ratio, interest rate, and loan duration for informed decision-making.
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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 that help you invest smarter
Maclear provides data and structure so every decision is informed
Internal AAA-D borrower ratings
Each borrower is scored internally. Ratings reflect credit quality and repayment likelihood but are not guarantees.
Collateral on every project
All loans are backed by collateral. Lower LTV means a larger buffer if something goes wrong with repayment.
Detailed loan pages before you invest
Review the borrower profile, financials, purpose, term, and risk factors before allocating any capital.
Monthly interest payments
Interest is paid monthly into your investment balance. Principal is repaid at the end of the loan term.
Provision fund for temporary delays
A shared reserve that may help absorb some delays. It is not insurance and does not guarantee full repayment.
Portfolio overview dashboard
Track your active loans, upcoming payments, and overall performance from a single dashboard view.
European business lending is a growing market
SME borrowers in Central and Eastern Europe continue to seek capital through crowdlending, giving EU and EEA investors access to opportunities that traditional banks often overlook
Explore opportunities
Numbers that show how Maclear works
Maclear connects investors with real business borrowers across European markets, offering collateralized loans with clear terms and monthly interest payments
€12M +Secondary Market volume
Target returns up to 16.5% per year before taxes
9,308 +Secondary Market participants
Start investing from just €50 per loan
How to start investing on Maclear
Three steps from registration to your first business loan investment
Create your account and complete verification
Sign up and go through identity checks
Fund your investment balance with euros
Transfer funds via bank to your balance
Pick a loan and invest from €50
Review details, choose a loan, and confirm
Rewards for consistent and active investors
Maclear recognises investors who stay engaged and grow their portfolios over time with tiered benefits
Tiered loyalty levels based on portfolio size
Larger portfolios unlock higher loyalty tiers
Bonus interest on selected loans
Earn extra return as your tier increases
Priority access to new loan listings
See and invest in fresh loans before others
Dedicated support for top-tier investors
Direct contact with the Maclear team
Join a growing community of European investors
About Maclear and how it works
Maclear AG is a Swiss crowdlending platform where investors purchase assigned loan claims from verified business borrowers. Maclear isn't a bank, doesn't lend its own funds, and deposits lack insurance protection. Investments carry risk.
Transparency is built into every loan
Each Maclear loan displays borrower rating, collateral details, LTV ratio, interest rate, and repayment terms upfront. This isn't investment advice or personalized guidance. Review all fees in the terms before investing.
- Full borrower profile on every loan page
- Collateral and LTV details disclosed upfront
- Internal AAA-D risk scoring for each borrower
- Clear repayment schedule with monthly interest
- Provision fund details explained per project
- Annual tax statement available for your records
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about investing on Maclear
Start with a minimum of €50 per loan and spread capital across at least ten different projects. This approach reduces concentration risk and protects your portfolio from the impact of any single default.
Loan-to-value (LTV) compares the loan amount to the collateral's assessed value. A lower LTV provides greater protection if the borrower faces difficulty, while higher LTV carries elevated risk exposure.
Maclear assigns borrowers an internal AAA-D rating based on risk assessment. Higher-rated borrowers typically present lower default risk, though no rating guarantees repayment regardless of grade.
Select loan durations aligned with your financial timeline, as liquidity on crowdlending platforms remains limited. Early exit options may not be available or could result in unfavorable terms.
Maclear loans pay interest monthly throughout the loan term, with principal repayment occurring at maturity. This monthly cash flow supports reinvestment and portfolio rebalancing opportunities.
Research each borrower's industry and market position before committing funds. Concentrate your portfolio across different sectors rather than clustering in any single industry vertical.
The provision fund assists with temporary repayment delays but does not guarantee full loss recovery. It functions as a buffer for short-term cash flow issues rather than complete default protection.
Crowdlending carries real default risk and should represent only a portion of a diversified investment strategy. Maintain liquid reserves and balance this allocation with lower-risk assets.
Spreading capital across at least ten loans from different borrowers and sectors materially reduces single-loan impact. More diversification further stabilizes returns and lowers portfolio volatility.
Maclear targets returns up to 16.5% annually on collateralized loans, but actual outcomes depend on borrower performance and default rates. Higher stated returns reflect genuine risk exposure.
Crowdlending platforms typically offer limited secondary market options for early exits. Plan to hold loans through their full term rather than relying on liquidity.
Geographic diversification spreads exposure across different regulatory environments and economic cycles. Concentrating in one region increases vulnerability to localized downturns.
Maclear accepts investments starting at €50 per loan, allowing new investors to test the platform with modest capital while building their portfolio gradually.
Examine each loan page for borrower rating, LTV ratio, intended use, term length, and sector classification. Understanding these factors enables informed decision-making aligned with your risk tolerance.
