€144.1M+Total Funded
Target returns up to 16.5% per year
Invest from €50 into collateralized business loans with target returns up to 16.5% per year
Private crowdfunding that funds real businesses
The numbers behind private crowdfunding
Private crowdfunding on Maclear gives individual investors direct access to vetted business loan opportunities across European markets with full transparency on every project
€13.1M+Interest paid
Minimum investment starts at €50
2.1K+Funded projects
Interest paid to investors monthly
52.4K+Registered investors
Every loan backed by collateral
€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 private crowdfunding works on Maclear
From registration to returns, here is each step of the process
Register and verify your identity
Create your Maclear account and complete the verification steps. The platform runs internal screening checks before granting full access to investment opportunities. Investment crowdfunding lets many lenders fund one business together.
Your account is your gateway to browsing and funding private crowdfunding loans across multiple sectors and geographies. Not all crowdfunding platforms work with collateralized loans.
Browse available loan projects
Each project page shows the borrower profile, loan purpose, interest rate, term length, collateral type, and internal risk rating. Private investment in vetted business loans works the same way on Maclear.
Compare opportunities by rating, geography, and sector so you can build a portfolio that matches your risk appetite.
Choose a project and invest from €50
Select a project, decide how much to allocate, and confirm. You acquire an assigned loan claim rather than lending directly to the borrower.
The assignment structure means Maclear handles the borrower relationship while you hold the claim to interest and principal repayment.
Receive monthly interest payments
Interest is paid monthly into your investment balance. Principal is repaid at the end of the loan term. Cash flow is straightforward and predictable in structure.
Monthly interest gives you regular cash flow, though actual receipt depends on the borrower meeting their repayment schedule.
Track performance in your dashboard
Your portfolio dashboard shows active loans, earned interest, upcoming payments, and overall allocation. Everything updates in real time as payments arrive.
Full visibility into every loan you hold. No guesswork about where your money sits or how each project is performing.
Reinvest or withdraw your earnings
When interest or principal arrives in your balance, you decide what happens next. Reinvest into new projects or withdraw funds to your bank account.
Your investment balance doesn't earn interest automatically. Deploy uninvested cash into investments or withdraw it according to your financial plan.
Why choose private crowdfunding on Maclear
Private crowdfunding links your capital to verified European businesses, with collateral security and risk assessment on each project
0% Access business loans normally reserved for institutions
No fees for deposits, investments or withdrawals.
28,003 +Collateral and LTV framework on every project
A growing community built around transparent investing.
€1,712 +Diversify across countries, sectors, and risk ratings
Average amount invested by active users each month.
€139 +Transparent loan details before you commit a single euro
Average interest paid to active investors each month.
Featured private crowdfunding opportunities
Explore current loan projects with detailed borrower profiles, collateral data, and internal ratings before investing.
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.
Risk controls built into every loan
Understanding the protections and the limits they carry
Internal AAA-D risk scoring
Each borrower is graded internally. Scoring reflects assessed creditworthiness but is not a guarantee and does not constitute investment advice.
Collateral required on all loans
Each project has collateral. Lower loan-to-value ratios provide greater protection if borrowers struggle, whereas higher LTV ratios involve increased risk.
Provision fund as a shared reserve
The Provision Fund may help cover temporary repayment delays. It is not insurance and does not guarantee full repayment.
Borrower verification and screening
Maclear conducts internal borrower checks and reviews before listing projects. This lowers but doesn't eliminate default risk.
Loan-to-value framework
LTV ratios vary by project. Lower LTV creates a bigger cushion between collateral value and loan amount, providing greater protection against losses.
Monthly interest, principal at term end
Monthly interest payments provide steady cash flow while principal remains invested until loan maturity.
European business lending as an asset class
As of 2026, private crowdfunding continues to grow across Europe as higher interest rate environments make business lending an attractive alternative to traditional fixed income for retail investors
Explore the market
Private crowdfunding growth in recent years
Over the 2024 to 2026 period, European crowdlending platforms have seen rising investor interest as SME financing demand in Eastern and Central Europe remains strong
€12M +Secondary Market volume
Many loans pay around 14.5% per year before defaults and taxes
9,308 +Secondary Market participants
Target returns on Maclear reach up to 16.5% per year
Get started in three simple steps
From sign-up to your first investment in minutes
Create your account and pass verification
Quick registration with standard identity checks
Fund your investment balance with a transfer
Deposit euros via bank transfer to start
Pick a loan project and invest from €50
Choose by rating, sector, term, or geography
Loyalty rewards for active investors
The more you invest and the longer you stay, the more benefits Maclear can offer through its tiered loyalty programme
Tiered programme based on portfolio size
Higher tiers may offer bonus interest rates
Rewards grow as your commitment grows
Long-term participation is recognised and valued
Early access to selected loan projects
Some tiers grant priority on new listings
Dedicated support for top-tier members
Priority assistance when you need it most
Join a growing community of European investors
About Maclear and private crowdfunding
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors with verified business borrowers. Investors purchase assigned loan claims instead of lending directly, subject to local regulations and platform terms.
Transparency at every stage of your investment
Each Maclear loan includes complete project documents, borrower information, collateral details, and risk ratings. You know precisely what you're funding before investing. Annual tax statements are provided, but tax treatment varies by location and individual circumstances.
- Full borrower and project details published
- Collateral type and LTV ratio disclosed
- Internal AAA-D rating visible on each loan
- Real-time portfolio tracking in your dashboard
- Annual statements available for download
- Provision fund status reported transparently
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Frequently asked questions about private crowdfunding
Investors can start with just €50, making private crowdfunding accessible to those with smaller capital. This low entry point allows diversification across multiple loan projects without requiring significant upfront commitments.
Interest accrues monthly and is deposited directly into the investor's account balance. Principal repayment occurs when the loan term concludes, creating predictable cash flow throughout the investment period.
Every business loan funded through the platform is backed by collateral, reducing investor risk. Project pages detail the specific collateral type and quality for each opportunity before commitment.
Projects on the platform offer target returns reaching up to 16.5% per year, varying by borrower risk rating and loan structure. Actual returns depend on the specific loan selected and its terms.
All borrowers receive an internal rating on an AAA-D scale, reflecting their credit quality and repayment capacity. This standardized scoring helps investors compare risk levels across different loan opportunities.
Each listing includes the borrower profile, loan purpose, interest rate, term duration, collateral details, and risk rating. This transparency allows investors to make informed decisions based on complete project data.
Investors acquire a claim to interest and principal rather than lending directly to borrowers. Maclear maintains the borrower relationship while investors hold the contractual right to repayment.
The platform provides access to vetted business loan opportunities across multiple European geographies. Portfolio diversification extends beyond sectors to include international loan exposure.
New investors create an account and complete identity verification, followed by internal screening checks. Full access to loan opportunities is granted once verification concludes.
The platform allows comparison of projects by risk rating, geography, and business sector. This filtering capability helps build portfolios aligned with individual risk tolerance and investment goals.
Principal is repaid in full when the loan matures, alongside the final interest payment. The complete repayment schedule is disclosed upfront on each project page.
Projects span multiple business sectors across the platform, though specific restrictions may apply based on regulatory requirements and lending policies. Each loan description identifies the borrower's industry and use of funds.
