€144.1M+Total Funded
Target returns up to 16.5% per year
Invest in vetted business loans from €50 with target returns up to 16.5% per year
Private investment that works for you
The numbers behind private investment on Maclear
Maclear gives private investors direct access to collateralized business loans across Europe with transparent terms and monthly interest payments on every funded project
€13.1M+Interest paid
Minimum investment starts at just €50
2.1K+Funded projects
Interest paid to investors monthly
52.4K+Registered investors
All loans backed by collateral with LTV framework
€2.0M +Provision Fund
Internal borrower scoring from AAA to D
Investors receiving payouts
Investors who received at least one interest payment each month.
What our investors say about Maclear
How private investment works on Maclear
From account creation to earning monthly interest, here is the full process
Register and complete verification
Create your Maclear account and go through the required verification steps. The process is straightforward and designed to confirm your identity before you begin investing. Business investment through loans starts at €50 per project.
Your account is your gateway to browsing and funding private investment opportunities in business loans. Private crowdfunding gives individual investors access to business loans.
Add funds to your investment balance
Transfer euros to your Maclear balance via bank transfer
Your balance invests in loans but doesn't earn interest independently and lacks deposit insurance coverage.
Browse available business loan projects
Review borrower details, interest rates, terms and collateral
Each project shows its internal risk grade, loan-to-value ratio and repayment schedule so you can make an informed choice.
Invest from €50 per loan
Choose how much to allocate to each individual project
You purchase assigned loan claims rather than lending directly. Spread your allocation across multiple loans to diversify. Loans are one of the most accessible alternative assets.
Receive monthly interest payments
Interest is paid monthly while principal is repaid at term end
Cash flows arrive in your Maclear balance each month. You can reinvest them or withdraw at any time.
Monitor and manage your portfolio
Track performance and repayments from your dashboard
Stay informed about each loan status, upcoming payments and overall portfolio health in one place.
Why private investors choose Maclear
Collateralized business loans, monthly interest and full visibility into every project you fund as a private investor
0% Target returns up to 16.5% per year
No fees for deposits, investments or withdrawals.
28,003 +Every loan backed by collateral and scored internally
A growing community built around transparent investing.
€1,712 +Low entry point starting from just €50
Average amount invested by active users each month.
€139 +Provision fund to support timely interest payments
Average interest paid to active investors each month.
Featured private investment opportunities
Browse current business loan projects, review collateral details and interest rates, then decide where to put your money.
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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.
Full control over your private investments
Tools and transparency so you can invest with clarity and confidence
Internal borrower scoring from AAA to D
Each borrower receives an internal risk grade. Scores indicate assessed risk level but don't guarantee repayment or constitute investment advice.
Collateral on every funded loan
Loans are backed by collateral within an LTV framework. Lower LTV means more protection if the borrower faces difficulty.
Provision fund for payment continuity
A shared reserve can buffer temporary delays but doesn't guarantee full repayment of principal or interest.
Detailed project pages with full disclosure
Every project page shows borrower information, purpose of the loan, collateral type, interest rate and repayment schedule.
Monthly interest credited to your balance
Interest is paid monthly into your Maclear balance. Principal is repaid at the end of the loan term.
Diversification across loans and geographies
Spread your private investment across multiple borrowers, industries and countries to reduce concentration risk.
A growing market for private investors
As EU interest rates remain higher than in the 2010s, private investment in business loans has become an increasingly relevant option for retail investors seeking yield beyond traditional savings
Explore opportunities
Private investment portfolio in practice
Many loans on Maclear pay around 14.5% per year before defaults and taxes while the maximum target return reaches 16.5% per year for higher-risk projects
€12M +Secondary Market volume
Target returns up to 16.5% per year on business loans
9,308 +Secondary Market participants
Interest paid monthly, principal at loan term end
Start your private investment in three steps
From registration to your first loan in minutes, not days
Create and verify your Maclear account
Sign up and complete the required verification checks
Fund your investment balance in euros
Transfer funds via bank transfer to your balance
Choose loans and invest from €50
Pick projects that match your risk and return preferences
Loyalty rewards for active private investors
The more you invest and the longer you stay active on Maclear, the more benefits you can access through the loyalty programme
Tiered benefits based on invested volume
Higher tiers bring better perks and priority access
Bonus interest on selected loan projects
Earn extra yield on qualifying investments as you progress
Priority access to new project listings
See and invest in new loans before the general release
Dedicated support for top-tier investors
Get faster responses and personalised assistance from the team
Join a community of private investors across Europe
About Maclear and private investment
Maclear AG is a Swiss crowdlending platform linking EU and EEA investors to verified business borrowers through assigned loan claims. Not a bank, Maclear offers no return guarantees. Investments carry risks including defaults, limited liquidity, and potential partial or total loss.
Transparency at every level of your investment
Maclear discloses complete borrower profiles, collateral specifics, loan-to-value ratios, and risk assessments for each project. You know precisely how your funds are deployed and secured. This data is informational only, not personalized investment guidance. Returns aren't guaranteed and historical performance doesn't ensure future outcomes.
- Full borrower and project details on every listing
- Internal AAA-to-D risk scoring visible before you invest
- Collateral type and loan-to-value ratio disclosed per loan
- Monthly payment history tracked in your dashboard
- Provision fund status shared with all investors
- Annual statements available for download any time
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about private investment on Maclear
Private investors can begin with as little as €50 per loan on the platform. This low entry point allows individuals to diversify their portfolio across multiple business loans without requiring substantial capital upfront.
Interest accrues and is paid to investors on a monthly basis from the business loans they've funded. Each loan project shows its repayment schedule, allowing investors to track when payments will arrive in their account.
All loans on the platform are backed by collateral with a defined loan-to-value framework in place. This security measure protects investors by ensuring that if a borrower defaults, there are assets available to recover losses.
Target returns for private investors can reach up to 16.5% per year, depending on the specific loan and risk profile selected. Returns vary based on borrower credit grade and loan terms.
The platform uses an internal borrower scoring system that grades loans from AAA to D based on creditworthiness and repayment capacity. This risk classification appears on each project so investors can evaluate borrower quality before committing funds.
New investors must register and complete required verification steps to confirm identity before accessing loan opportunities. This straightforward process is designed to meet regulatory requirements while preparing your account for funding.
The platform provides direct access to collateralized business loans across European markets. This geographic diversification allows investors to spread risk beyond a single country's economy.
Investors purchase assigned loan claims rather than lending directly to borrowers. By allocating smaller amounts across multiple projects, investors can reduce exposure to any single loan default.
Each project displays borrower details, interest rates, loan terms, collateral specifics, internal risk grades, and loan-to-value ratios. This transparency allows investors to make informed decisions based on complete project data.
Investors add funds to their Maclear balance via bank transfer in euros. Note that balances held on the platform do not earn interest independently and are not covered by deposit insurance.
Once funds are allocated to a business loan, investors receive monthly interest payments according to the loan's repayment schedule. The platform tracks all transactions and provides regular reporting on portfolio performance.
