€144.1M+Total Funded
Target returns up to 16.5% per year
Put your capital to work in real business loans and earn monthly interest
Passive income ideas that actually pay
Why investors choose crowdlending for income
Maclear connects you with vetted business borrowers across Europe so you can earn potential returns up to 16.5% per year while interest is paid monthly
€13.1M+Interest paid
Interest paid to your account every month
2.1K+Funded projects
Start with as little as €50
52.4K+Registered investors
Collateralized business loans with internal LTV framework
€2.0M +Provision Fund
Borrowers scored on an internal AAA-D scale
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How crowdlending builds passive income
Six straightforward steps from registration to monthly interest payments
Create your investor account
Register on Maclear, complete the verification process, and access the full list of available business loan projects across Europe.
Registration is quick and opens access to all listed loan projects on the platform.
Fund your investment balance
Transfer euros to your settlement balance. This balance does not earn interest and is not covered by deposit insurance. Diversifying sources of income reduces reliance on a single payout. It is used solely to invest or withdraw.
Your balance is a settlement account for investing and withdrawing, not a deposit or savings account.
Browse vetted loan projects
Each project shows the borrower rating, interest rate, loan term, collateral type, and LTV ratio so you can compare before committing any capital. Earning passive income from loans requires no daily management.
Review key details like borrower grade, collateral, term length, and target interest before you invest. Compounding payouts support long-term financial independence.
Invest from €50 per loan
Choose one or several projects and allocate capital. You buy assigned loan claims rather than lending directly to the borrower.
You acquire loan claims through an assignment structure, starting from just €50 per project.
Receive monthly interest payments
Interest is paid monthly into your balance. Principal is repaid at the end of the loan term. This is the core of how passive income flows to you.
Interest arrives monthly while principal comes back when the loan term ends.
Reinvest or withdraw at your pace
Use incoming interest to reinvest in new projects and compound your returns, or withdraw funds to your bank account whenever you choose.
Reinvesting monthly interest into new loans can compound your returns over time.
Why crowdlending stands out among passive income ideas
Genuine business loans, transparent monthly returns, and complete visibility into how your capital is deployed
0% Monthly interest creates regular cash flow
No fees for deposits, investments or withdrawals.
28,003 +Every loan is backed by collateral
A growing community built around transparent investing.
€1,712 +Diversify across borrowers and geographies
Average amount invested by active users each month.
€139 +You choose each loan yourself
Average interest paid to active investors each month.
Featured loan projects on Maclear
Browse current opportunities in business lending across Eastern and Central Europe, each with published ratings, collateral, and LTV details.
Investment Calculator
Promotions
Loyalty bonus 
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 in control
Manage risk, track performance, and adjust your portfolio anytime
Internal borrower ratings from AAA to D
Every borrower is graded on Maclear's internal scale. Ratings reflect risk assessment only and are not investment advice.
Collateral on every listed project
Loans are backed by collateral with a published LTV ratio. Lower LTV means more cushion if a borrower faces difficulty.
Provision Fund for payment delays
A shared reserve can help with short-term delays but doesn't guarantee you'll get all your money back.
Transparent loan terms and schedules
Each project page shows the interest rate, maturity date, payment schedule, and borrower background so you know what you hold.
Portfolio overview in your dashboard
Track active investments, earned interest, and upcoming maturities in one place. Export data for your own records or tax reporting.
Diversification across multiple loans
Spread capital across different borrowers, industries, and countries to reduce the impact of any single default on your portfolio.
European business lending is growing fast
Demand for alternative finance among SMEs in Eastern and Central Europe continues to rise as of 2026, creating steady deal flow for investors looking for passive income ideas
Explore the market
Performance that speaks for itself
Many loans on Maclear pay around 14.5% per year before defaults and taxes, with target returns reaching up to 16.5% per year on selected projects
€12M +Secondary Market volume
Target returns up to 16.5% per year on selected loans
9,308 +Secondary Market participants
Interest paid monthly throughout the loan term
Three steps to your first passive income
From sign-up to monthly interest in under an hour
Register and verify your identity
Complete the screening process online
Fund your balance and pick loans
Choose projects starting from €50 each
Earn interest every month
Interest arrives monthly, principal at term end
Loyalty benefits for active investors
The more you invest and the longer you stay, the more perks Maclear offers to reward consistent participation on the platform
Tiered benefits based on invested volume
Higher tiers mean better perks over time
Priority access to new loan projects
Be among the first to invest
Bonus interest on selected opportunities
Earn more on featured projects
Dedicated support for top-tier investors
Get faster answers when you need them
Join a growing community of European investors
About Maclear and how it works
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors with verified business borrowers. Investors purchase assigned loan claims, earning monthly interest and receiving principal repayment upon maturity.
Full transparency on every loan
All Maclear projects display borrower ratings, collateral details, LTV ratios, interest rates, and repayment terms upfront. Capital is at risk. Defaults may occur, liquidity can be restricted, and losses are possible. This isn't investment advice or personalized guidance.
- Published borrower rating on each project
- Collateral and LTV details disclosed upfront
- Interest rate and term clearly stated
- Monthly payment history visible in dashboard
- Annual statements available for tax purposes
- Maclear does not provide tax advice
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about passive income with Maclear
Crowdlending platforms targeting European business loans typically offer returns up to 16.5% per year. Returns vary by borrower rating, loan term, and collateral quality. Monthly interest payments provide regular cash flow to reinvest or withdraw.
Platforms use internal rating scales (AAA-D) to assess creditworthiness based on financial metrics, business history, and industry risk. Each borrower receives a grade before loans appear to investors. Higher-rated borrowers typically command lower interest rates.
Loan-to-Value (LTV) ratio shows what percentage of collateral value the loan represents. Lower LTV ratios indicate greater asset protection if default occurs. Platforms maintain internal LTV frameworks to limit risk exposure per transaction.
Yes. Most European crowdlending platforms accept investments starting from €50 per individual loan project. This low minimum allows portfolio diversification across multiple borrowers and loan terms without substantial capital requirements.
Monthly interest payments are the standard across established platforms. Funds transfer directly to your settlement account each month from borrower repayments. Payment timing depends on borrower cash flow and platform processing schedules.
Registration requires identity confirmation, address proof, and source-of-funds documentation. Verification typically completes within 24 hours. Once approved, your investor dashboard opens access to the full loan project marketplace.
No. Settlement balances on crowdlending platforms are not protected by deposit insurance schemes. They function as trading accounts for investment allocation and withdrawal purposes, not savings deposits.
Project listings display borrower rating, interest rate offered, loan duration, collateral type, and LTV ratio. This transparency allows investors to compare risk and return profiles before committing capital to any single loan.
Investors acquire loan claims through assignment rather than lending directly to borrowers. This structure protects both parties and allows loan secondary trading on some platforms. Collateral remains registered against the original loan agreement.
Leading crowdlending platforms operate across multiple European jurisdictions including Central Europe, Baltics, and Southern regions. Geographic diversification reduces concentration risk while accessing different credit markets and interest rate environments.
Platform collateral becomes the primary recovery mechanism. Loan origination requires asset documentation and valuation. If default occurs, collateral liquidation proceeds support investor claims before loss realization.
Yes, settlement balance withdrawals process on demand to your bank account. However, funds allocated to active loans remain locked until the loan matures or you sell your claim on secondary markets where available.
Shorter-term loans return capital faster but typically offer lower yields. Longer-term loans provide higher interest rates with extended exposure. Mixing loan durations creates a ladder structure for regular capital recycling.
Interest income from crowdlending is subject to local taxation in investor home countries. Tax treatment varies by jurisdiction—some countries tax at ordinary income rates while others apply lower rates. Professional tax advice is recommended.
Portfolio construction involves spreading capital across borrowers in different industries, regions, and rating tiers. The €50 minimum per loan enables broad diversification. Reinvesting monthly interest into new loans compounds returns over time.
