€144.1M+Total Funded
Target returns up to 16.5% per year
Earn monthly interest by funding vetted SME borrowers across Europe through Maclear
Build passive income from real business loans
Passive income sources in numbers
Maclear connects EU and EEA investors with collateralized business loans offering target returns up to 16.5% per year, with interest paid monthly and capital at risk
€13.1M+Interest paid
Interest paid to your account every month
2.1K+Funded projects
Minimum investment starts at just €50
52.4K+Registered investors
Borrowers scored on an internal AAA-D scale
€2.0M +Provision Fund
Every loan backed by collateral with LTV framework
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How passive income works on Maclear
Six steps from registration to monthly interest in your account
Register and verify your identity
Create your Maclear account and complete the verification process. This takes a few minutes and gives you access to all available loan projects.
Quick registration opens your investor dashboard where you can browse loans and manage your portfolio.
Fund your investment balance
Transfer euros to your Maclear investment balance via bank transfer. This balance does not earn interest and is not covered by deposit insurance. Looking for ideas for passive income? Business lending is one option.
Your balance holds funds ready to invest. It is not a bank account and carries no interest. Learn how to make passive income with monthly loan interest.
Browse vetted business loans
Review available loan projects from SME borrowers across Europe. Each listing shows the borrower rating, collateral type, LTV, term, and target interest rate. Monthly interest builds a steady path toward financial freedom.
Every project includes risk details, collateral information, and an internal credit score so you can compare before choosing.
Invest from €50 per loan
Pick the loans that match your risk appetite and allocate from €50 per project. Diversify across multiple borrowers, sectors, and geographies to spread risk.
Small minimums let you split your capital across many loans rather than concentrating it in one borrower.
Receive monthly interest payments
Interest is paid monthly into your investment balance. Principal is repaid at the end of the loan term. You can reinvest interest or withdraw it.
Monthly interest creates a recurring cash flow, though borrower defaults or delays may reduce or interrupt payments.
Reinvest or withdraw your returns
When interest or principal arrives, choose to reinvest into new loans for compounding or withdraw to your bank account. The choice is always yours.
Reinvesting monthly interest can compound your returns over time, but every new loan carries its own default risk.
Why crowdlending works as passive income
Monthly interest from real business loans gives you recurring cash flow without managing properties or running a company
0% Monthly interest without active management needed
No fees for deposits, investments or withdrawals.
28,003 +Diversify across borrowers, sectors, and countries
A growing community built around transparent investing.
€1,712 +Start with just €50 per loan project
Average amount invested by active users each month.
€139 +Collateralized loans with internal LTV framework
Average interest paid to active investors each month.
Featured loan projects on Maclear
Browse current opportunities from vetted SME borrowers across Europe. Each project shows ratings, collateral, and target returns.
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 help you manage risk
Maclear gives you data and structure to make informed choices
Internal AAA-D borrower ratings
Every borrower is scored on Maclear's internal scale. Higher ratings mean lower estimated risk, though no score guarantees repayment.
Collateral on every loan
All projects are collateralized. A lower loan-to-value ratio means more protection if the borrower runs into difficulty.
Provision fund for payment delays
A shared reserve can cushion temporary payment delays but doesn't insure or guarantee full repayment of principal or interest.
Diversification across geographies
Spread your capital across borrowers in different countries and industries. Concentration in one loan or sector increases your exposure.
Transparent loan details before you invest
Each listing shows the borrower profile, collateral type, LTV, interest rate, and term so you can evaluate before committing.
Monthly reporting on your portfolio
Track your active investments, interest received, and repayment schedule from your dashboard at any time.
European SME lending as income source
Investor capital typically flows from Western and Northern Europe into business loans for SMEs in Eastern and Central Europe where demand for financing remains strong in 2026
See opportunities
Performance that speaks for itself
Many loans on Maclear pay around 14.5% per year before defaults and taxes, though individual results depend on borrower performance and your portfolio choices
€12M +Secondary Market volume
Target returns up to 16.5% per year across projects
9,308 +Secondary Market participants
Interest paid monthly into your balance
Three steps to your first passive income
From sign-up to monthly interest in under an hour
Create your account and complete verification
A few minutes to register and verify
Fund your balance and pick your loans
Transfer euros and choose from available projects
Earn monthly interest on your investments
Interest arrives monthly, principal at term end
Loyalty benefits for active investors
The more you invest and the longer you stay, the more Maclear can reward your commitment with bonus features and priority access
Tiered benefits based on invested amount
Higher tiers may offer bonus rates or features
Priority access to new loan projects
Be first to invest in high-demand opportunities
Referral bonuses for inviting friends
Earn extra when your referrals start investing
Long-term investors build stronger portfolios
Reinvesting over time helps compound your returns
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. Maclear isn't a bank and doesn't lend its own funds. This isn't investment advice.
Transparency you can actually check
Each Maclear loan provides complete borrower information, collateral details, and risk assessments before investment. Capital is at risk—loans may default, liquidity may be restricted, and you could lose some or all invested funds. Maclear offers no tax guidance; tax obligations vary by jurisdiction and individual circumstances.
- Borrower profile and business details disclosed
- Collateral type and LTV shown per project
- Internal AAA-D rating on every loan
- Interest rate and term clearly stated upfront
- Provision fund status visible on the platform
- Portfolio dashboard updated in real time
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about passive income on Maclear
Maclear offers target returns up to 16.5% per year on collateralized business loans. Interest is paid monthly directly to investor accounts. Returns depend on the specific loan term and borrower risk rating.
Investors can start with as little as €50 per individual loan on Maclear. This low entry point allows portfolio diversification across multiple borrowers and sectors without requiring large upfront capital.
Every loan on Maclear is backed by collateral with a defined loan-to-value framework. Borrowers undergo internal credit scoring on an AAA-D scale. Collateral type and LTV ratios are disclosed for each project before investment.
Maclear connects investors with vetted small and medium-sized enterprises across Europe and the EEA. All borrowers undergo assessment and must meet creditworthiness standards before loan listings appear to investors.
Interest from Maclear loans is paid monthly to your investor account. Payments arrive on a scheduled basis tied to the loan terms you have invested in.
Registration on Maclear takes minutes and requires identity verification. Once verified, you gain access to the investor dashboard where you can browse loan projects and manage your portfolio.
No. Your Maclear investment balance is not a bank account and carries no deposit insurance coverage. Funds held are strictly for investing in loan projects and not guaranteed by any financial safety scheme.
Maclear allows investors to allocate capital across multiple loans, borrowers, sectors, and geographies. Starting at €50 per loan, diversification spreads risk and helps balance a portfolio across different credit ratings and industries.
Each loan listing displays the borrower rating, collateral type, LTV ratio, loan term, and target interest rate. Detailed risk assessments and the internal credit score help investors compare projects and make informed decisions.
Your Maclear investment balance can be funded via bank transfer and holds capital ready to invest. Withdrawal policies depend on your balance status and any outstanding loan positions; review terms during account setup.
