€144.1M+Total Funded
Target returns up to 16.5% APR
Target returns up to 16.5% per year on collateralized loans starting from €50
Invest in business loans across Europe
The numbers behind Maclear investments
Thousands of investors across the EEA already use Maclear to build diversified portfolios of business loans in growing European markets
€13.1M+Interest paid
Minimum investment of just €50 per loan
2.1K+Funded projects
Interest paid monthly to your balance
52.4K+Registered investors
Every loan backed by collateral
€2.0M +Provision Fund
Internal borrower ratings from AAA to D
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How investing on Maclear actually works
From account creation to monthly interest, here is the full process
Register and complete verification
Create your account and go through the required checks. Maclear needs to verify your identity before you can invest in any project. Business investment through loans starts at €50 per project.
Verification usually takes a short time and keeps the platform compliant with applicable rules.
Fund your investment balance
Transfer euros to your settlement balance via bank transfer
This balance earns no interest and lacks deposit insurance. It merely stores funds available for investing or withdrawing.
Browse available loan projects
Review each project's rating, collateral, term and interest rate
Borrowers are graded on an internal AAA-D scale. Lower-rated loans may offer higher interest but carry more default risk.
Choose a loan and invest from €50
Pick one or several projects and allocate your capital manually
You buy assigned loan claims, not direct lending contracts. The structure means Maclear handles borrower agreements on your behalf.
Receive monthly interest payments
Interest is paid monthly to your investment balance
Principal repayment occurs at loan maturity. Interest can be reinvested or withdrawn to your bank account.
Monitor and diversify over time
Spread capital across loans, sectors and geographies
Diversification does not remove risk but it reduces the impact of any single borrower defaulting on your overall portfolio. Loans are one of the most accessible alternative assets.
Why investors choose Maclear for business loans
Collateralized loans, monthly interest, internal ratings and a provision fund that may cushion delays
0% Collateral on every loan with an LTV framework
No fees for deposits, investments or withdrawals.
28,003 +Monthly interest credited to your balance
A growing community built around transparent investing.
€1,712 +Provision fund to help absorb temporary delays
Average amount invested by active users each month.
€139 +Diversification across European borrowers and sectors
Average interest paid to active investors each month.
Featured investment opportunities on Maclear
Explore current loan projects with detailed borrower information, collateral data and internal risk ratings before you commit.
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 and controls for every investor
Manage risk, track returns and stay informed from one dashboard
Portfolio overview in real time
See your active investments, earned interest and upcoming repayments on a single screen.
Internal borrower rating (AAA-D)
Each borrower is scored internally. Ratings reflect assessed risk but do not guarantee repayment.
Collateral and LTV details per loan
Lower LTV means more buffer if a borrower runs into difficulty. Higher LTV may mean higher interest and higher risk.
Auto-invest with custom filters
Define interest range, loan term and rating preferences. Maclear invests matching funds automatically.
Downloadable account statements
Export your investment history for personal records or tax reporting. Maclear does not provide tax advice.
Provision fund status visible
Track the provision fund balance. It may help absorb delays but it is not insurance and cannot guarantee repayment.
European business lending, one platform
Capital from investors in Western and Northern Europe flows into vetted SME loans and projects in Eastern and Central Europe, connecting supply with demand
Explore the market
Portfolio performance at a glance
Many loans on Maclear pay around 14.5% per year before defaults and taxes, though individual results depend on borrower performance and diversification
€12M +Secondary Market volume
Target returns up to 16.5% per year
9,308 +Secondary Market participants
Interest paid monthly, principal at term end
Three steps to your first investment
Getting started on Maclear takes minutes, not days
Create your account and verify your identity
Registration is straightforward and fully online
Fund your balance with a bank transfer
No minimum deposit required, invest from €50 per loan
Pick a loan project and invest
Choose manually or let auto-invest handle allocation
Loyalty programme for active investors
The more you invest and the longer you stay, the more benefits you can access on the Maclear platform
Tiered benefits based on invested volume
Higher tiers may offer better terms over time
Longer commitment, stronger potential perks
Duration matters alongside the amount you invest
Priority access to selected new projects
Top-tier investors may see listings before others
Referral bonuses for inviting new investors
Earn a bonus when someone you refer starts investing
Join a growing community of European investors
About Maclear and how it operates
Maclear AG is a Swiss crowdlending platform linking EEA investors to verified businesses. Investors purchase assigned loan claims, not direct loans. Maclear isn't a bank and doesn't lend its own funds. Capital at risk. Not investment advice.
Transparency at every level of lending
Each Maclear loan includes comprehensive borrower details, collateral information, risk assessment, and repayment terms. We share portfolio data and reserve fund status for transparency. Investments carry risk—loans may default, liquidity may be limited, and you could lose some or all invested capital.
- Full borrower profiles on every listing
- Collateral type and LTV ratio disclosed
- Internal AAA-D rating for each project
- Provision fund balance published regularly
- Historical portfolio statistics available to all investors
- Clear fee schedule in the platform terms
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about investing on Maclear
Investors can start with just €50 per loan on Maclear. This low entry point allows broad participation across European business lending opportunities.
Target returns reach up to 16.5% APR on collateralized business loans. Actual returns vary based on loan rating, term length, and borrower risk profile.
Monthly interest is paid directly to your investment balance on Maclear. Payments continue throughout the loan term until principal is repaid at maturity.
Every loan offered on Maclear is backed by collateral. This security mechanism reduces risk and protects investor capital across the platform's portfolio.
Maclear assigns internal ratings from AAA (lowest risk) to D (highest risk). Lower-rated borrowers typically offer higher interest rates to compensate for increased default probability.
New users complete identity verification before investing. The process is quick and applies to every investor before their first investment.
Funds held in your settlement balance await investment deployment. This balance earns no interest and lacks deposit insurance coverage, serving only as a holding account.
Yes, investors choose specific loan projects and allocate capital manually on Maclear. Each investment starts at €50 minimum, allowing portfolio customization.
Investors purchase assigned loan claims rather than entering direct lending contracts. Maclear manages underlying borrower agreements on your behalf, simplifying administration.
Business loans span growing European markets across the EEA. Thousands of investors build diversified portfolios across these regional opportunities.
Thousands of investors across the EEA already use Maclear for loan-based portfolio building. The platform demonstrates sustained user adoption and trust.
Review each project's internal rating, collateral amount, loan term, and interest rate before investing. Higher-rated loans carry lower default risk but offer reduced returns.
Settlement balances on Maclear are not covered by deposit insurance. They function purely as transaction accounts, not protected savings vehicles.
Principal repayment occurs at the end of each loan's term, returning your initial capital to the investment balance. Combined with monthly interest, this completes the investment cycle.
