BBB
WoW Innovation
16.00%Interest
rate
- Loan period
- 14 months
- Funded
- 17%
Top-Rated Crowdlending P2P Investment Platform
- Attractive 16.5% annual returns on P2P lending investments
- Earn stable passive income as an investor in SME loans via our P2P Platform
- Enjoy stable monthly payouts from your P2P investment portfolio
- Swiss-regulated site for crowdlending with maximum security standards
BBB
A
Sesinf S.R.L.
14.5%Interest
rate
- Loan period
- 13 months
- Funded
- 58%
A
Ultima Finance
15.2%Interest
rate
- Loan period
- 9 months
- Funded
- 72%
BBB
Agroprogres
14.5%Interest
rate
- Loan period
- 13 months
- Funded
- 39%
Maclear in Numbers
€23M+Total Funded
€4,8M+Repaid Total
8195Investors
0/0Default / late loans
Why Choose Maclear P2P Crowdlending Platform?
0%
on deposits
on investments
on withdrawals
Zero Hidden Costs on Our Peer-to-Peer Lending Platform
What you invest is exactly what works for you — no hidden charges on your crowdlending investments.
€50
Start P2P Investing From Just €50
Begin your passive income journey with minimal capital. Access the best crowdlending opportunities without large investments.
16.5%
Earn Up To 16.5% Annual Returns Through P2P Investing
Fixed interest rates with guaranteed monthly passive income. Receive your first crowdlending payout in just 30 days.
Double Bonus Rewards
Spend bonuses and increase the return rate on your favorite projects.
3%Referral
Bonus
Bonus
3%Loyalty
Bonus
Bonus
How Our P2P Crowdlending Platform Works
Business Application
European companies submit funding requests for their growth projects and equipment purchases through our lending platform
Expert Review
Multi-stage due diligence by our financial experts ensures only quality projects advance to our crowdlending site
Regulatory Compliance
Swiss regulators verify each business for full European regulatory compliance
Financing by Investors
Investors provide peer-to-peer funding to their chosen verified projects, starting from €50
The Result
For our Investors: Higher passive income than traditional banking with the stability of our P2P investing ecosystem. For Businesses: Fast capital without bank bureaucracy.
3 easy steps to earn with Maclear
Register
Complete a quick registration form and verify your identity
First investment
Choose a project you love and invest from just €50
Get Profit
Receive monthly interest payments directly to your investor account
Our Investors talk about us
play
Maclear P2P Platform: Payment Protection & Monthly Interest
I've been investing with Maclear since February/March 2023. The platform is easy to use, clear, and intuitive. Payments are punctual with no delays or missed payouts. The platform offers good returns and is simple to use.
Spain
play
€20,000 Portfolio + €2,000 New Investment Demo
I recommend 100% to use Maclear for your investments because, as you can see, it's a really visual, intuitive, and easy platform to use. It doesn't matter if you are a professional or it's your first investment. The most interesting for me is that you have a lot of bonuses to use.
France
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Maclear P2P Platform: Payment Protection & Monthly Interest
I am an investor in Maclear, this company was recommended to me and I was invited by a good friend. The platform pays interest monthly. In case of default or delay, they assume these payments, which gives a lot of confidence and, above all, security to continue investing. Maclear is a good option to make our savings work.
Spain
play
Multi-Platform P2P Investor: Swiss Platform Maclear
I’ve been using Maclear for about a year with good experiences. It’s a Swiss platform with a clear, easy-to-understand website. There’s a secondary market for liquidity needs. The interest rates are above average compared to other P2P platforms, and there are regular bonus campaigns.
Germany
play
€24,000 Portfolio Performance
Good evening, I’m showing you my investments on Maclear — the total funds and total interest paid. Thank you, Maclear.
Greece
play
€20,000 Portfolio + €2,000 New Investment Demo
I recommend Maclear 100% for your investments because, as you can see, it’s a really visual, intuitive and easy platform to use. It doesn’t matter if you are a professional or it’s your first investment. The most interesting part for me is that you have a lot of bonuses to use.
Great Britain
play
1 Year Investment Experience
I’ve been investing with Maclear since February/March 2023. The platform is easy to use, clear and intuitive. Payments are punctual with no delays or missed payouts. The platform offers good returns and is simple to use.
Spain
Featured Investment Projects
BBB
WoW Innovation
16.00%Interest
rate
- Loan period
- 14 months
- Funded
- 17%
A
Sesinf S.R.L.
14.5%Interest
rate
- Loan period
- 13 months
- Funded
- 58%
A
Ultima Finance
15.2%Interest
rate
- Loan period
- 9 months
- Funded
- 72%
BBB
Agroprogres
14.5%Interest
rate
- Loan period
- 13 months
- Funded
- 39%
They Talk About Us
Maclear crowdlending platform connects investors with EU-based manufacturing, retail, and service businesses. It prioritises security, offering a provision fund for investor protection
So far, no defaults have been reported, which speaks in favour of the P2P lending platform's good risk management. Investors can access their funds quicker by selling their loans on the secondary market
The peer-to-peer platform's Provisioning Fund enhances investor security, and its detailed project information facilitates due diligence
Maclear provides high-yield P2P business loans to EEA investors while adhering to Swiss regulations as a member of PolyReg SRO, making it a trusted crowdlending site
With founders experienced in finance and rigorous project selection, it's an intriguing option for passive income investments
3% from your invited friends investment in the first 90 days
Sign Up
Maclear Blog
How P2P lending and crowdlending earnings are taxed under IRPF in Spain
Only the interest is taxed, not the capital returned. Savings brackets, withholdings, losses due to default, and what changes when the platform is outside Spain.
By Lorem Ipsum
Lorem Ipsum
P2P Personal Lending vs. P2P Business Lending
Discover the key differences between personal and business P2P lending, their benefits, and how to choose the right option.
By Lorem Ipsum
Lorem Ipsum
Peer-To-Peer Lending Risks: What to Avoid
Before diving into the investment world, familiarise yourself with these common peer-to-peer risks.
By Lorem Ipsum
Lorem Ipsum
Crowdfunding vs Crowdinvesting vs Crowdlending Explained
Crowdfunding is an umbrella term for raising money online from many people. It splits into four types.
By Lorem Ipsum
Lorem Ipsum
SME Lending: What Investors Should Know
How small and medium-sized businesses borrow, and what that means for the investors funding them.
By Lorem Ipsum
Lorem Ipsum
Frequently asked questions
Maclear is a regulated P2P lending platform connecting European companies and Loan Originators with investors for financing business and consumer loans. Our platform allows you to start investing in loans with minimal investment, creating a source of passive income.
Maclear AG is organized thoroughly following the Swiss financial market rules and regulations. According to the law, our company's activity is regulated, verified, and monitored by the SRO (Self-Regulated Organization membership). We proudly declare that we are a
We proudly declare that we are a PolyReg Services GmbH SRO member and comply with all applicable AML and GDPR requirements, ensuring the security of your P2P investments.
To begin investing in business and consumer loans through our P2P platform: • Create an investor account on our platform • Confirm your registration via the link in the email • Complete our identity verification process • Transfer funds to your Maclear account • Choose loans to invest in, starting from just €50 All interest and principal payments will be deposited to your Maclear account from which you can either reinvest accumulated funds or withdraw them, effectively managing your peer-to-peer loan investing portfolio.
All interest and principal payments will be deposited to your Maclear account, from which you can either reinvest accumulated funds or withdraw them, effectively managing your peer-to-peer loan investing portfolio.
We accept bank transfers only to ensure the security of your loan investments. Please don't forget to fill in payment details. Your bank account name must match your Maclear investor account name. If the names do not match, the transfer will be rejected. Your funds are deposited within 1-3 working days. After your funds are added to your Maclear investor account, we will notify you by email.
Why don't we charge any fees to investors?
Your funds are deposited within 1–3 working days. After your funds are added to your Maclear investor account, we will notify you by email.
The commission we earn is included in the rate for borrowers. Our P2P lending business model is focused on building long-term and strong relationships with investors and borrowers. Therefore, investors can count on no commission fees, and borrowers on timely financing of their projects.
Projects and consumer loans presented on our P2P platform have different financing periods, from 3 to 18 months. By investing funds for a period comfortable for you, you receive monthly loan payments, and the principal at the end of the investment term, making loan investing an excellent source of passive income.
Minimum investment amount on the Maclear platform is 50 EUR, making peer-to-peer investing accessible to everyone.
Our investing platform offers 4 loyalty bonus levels: • Beta - Once your total investment amount is over €5,000 you will receive an additional 1.5% return on all investments. • Beta Plus - Once your total investment amount is over 15,000 EUR, you will receive an additional 2% return on all investments. • Alpha - Once your total investment amount is over 40,000 EUR, you will receive an additional 2.5% return on all investments. • Alpha Plus - Once your total investment amount is over 75,000 EUR, you will receive an additional 3% return on all investments.
When you register on Maclear using a referral link or code, you will earn a 3% cashback bonus from each investment you make during the first 90 days after registration. Cashback bonuses will be paid to your account immediately after the project you have invested in is successfully funded, increasing your passive income.
At Maclear, we're always pushing boundaries. Now, we're expanding into Web3 with 8lends — a platform designed for faster and higher-return investing. What makes 8lends a good fit for you: • Higher APR: Earn up to 19.5% on your investments. • Safe as Always: Built with the same trust as Maclear. • Instant Crypto Payments: Seamless transactions in USDC. Diversify Smarter: • Maclear: Invest in Euros through traditional banking (slower but familiar). • 8lends: Invest in USDC (crypto) through blockchain (faster and more efficient). Explore both our P2P platforms to create a diversified investment portfolio and maximize your passive income.
What makes 8lends a good fit for you: higher APR — earn up to 19.5% on your investments; safe as always — built with the same trust as Maclear; instant crypto payments — seamless transactions in USDC.
Diversify smarter: Maclear lets you invest in Euros through traditional banking, while 8lends lets you invest in USDC through blockchain. Explore both our P2P platforms to create a diversified portfolio.
1. Loyalty Bonus +3% to the Interest rate per annum on all future investments 2. Maclear 3+3 referral program Invite a friend, and both of you will earn 3% of the investment amount 3. Investment Reward Get extra €30 on every €500 invested 4. Welcome Bonus A €15 welcome reward on your first investment within 7 days of registration
