€144.1M+Total Funded
Target returns up to 16.5% per year
Earn monthly interest by funding vetted business loans across Europe with Maclear
Build new sources of income through crowdlending
How your income is generated on Maclear
Every loan you fund pays interest monthly while principal is returned at term end, creating a recurring income stream from real business lending across European markets
€13.1M+Interest paid
Interest paid to your account monthly
2.1K+Funded projects
Minimum investment starts at just €50
52.4K+Registered investors
Loans backed by collateral with internal LTV framework
€2.0M +Provision Fund
Borrowers graded on an internal AAA-D scoring scale
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about their experience
How crowdlending becomes a source of income
From funding a loan to receiving monthly interest, here is how it works
Choose a loan that fits your goals
Browse available business loans from vetted borrowers. Each listing shows the interest rate, term length, collateral details and internal risk grade so you can compare before committing.
Every project includes an internal risk score, collateral description and loan-to-value ratio to help you decide.
Invest from €50 per loan
Allocate as little or as much as you want per loan
A low entry point lets you spread capital across many loans, which is one practical way to manage concentration risk.
Interest arrives in your account monthly
Borrowers pay interest each month throughout the loan term
Monthly interest payments give you regular cash flow. Principal is repaid at the end of the loan term, not monthly.
Reinvest or withdraw your earnings
Use monthly interest to fund new loans or withdraw
Reinvesting interest into fresh loans can compound your income over time, though every new loan carries its own default risk.
Provision fund supports timely payments
A shared reserve may absorb some delays or partial losses
The Provision Fund helps cover temporary payment delays but does not guarantee full repayment of principal or interest.
Track performance in your dashboard
Monitor earned interest, active loans and repayment schedules
Your portfolio overview shows exactly where your money is, what it earns and when payments are expected.
Why crowdlending works as an income source
Business loans pay interest regularly, giving investors a tangible cash flow tied to real economic activity across European markets
0% Monthly interest creates predictable cash flow timing
No fees for deposits, investments or withdrawals.
28,003 +Collateral and LTV framework help manage downside exposure
A growing community built around transparent investing.
€1,712 +Diversifying across loans reduces single-borrower concentration
Average amount invested by active users each month.
€139 +Returns vary by loan risk, not by stock market swings
Average interest paid to active investors each month.
Featured loans available on Maclear now
Explore current business loan opportunities with collateral backing, internal risk grades and target returns up to 16.5% per year.
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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 your income
Maclear gives you controls to shape how and where your money works
Internal AAA-D borrower scoring
Every borrower is graded internally. Scoring is a risk assessment tool, not investment advice, and cannot guarantee repayment.
Collateral on every project
Each loan requires collateral. Lower LTV provides greater protection when borrowers face difficulties; higher LTV involves increased risk.
Provision fund reserve
A shared pool that may absorb temporary delays but doesn't guarantee full repayment of principal or interest.
Flexible investment amounts from €50
Start small and scale gradually. Spreading capital across multiple loans is a practical approach to managing concentration risk.
Detailed loan documentation
Each loan listing shows purpose, borrower background, collateral type, LTV ratio and internal risk grade before you invest.
Monthly interest payment schedule
Monthly interest payments during the loan term. Full principal returned at maturity, providing steady income and capital preservation.
European business lending as an income channel
SME borrowers in Eastern and Central Europe need growth capital, and EU investors looking for income sources can fill that gap through crowdlending while earning monthly interest on collateralised loans
Explore the market
Income performance on Maclear in numbers
Many loans pay around 14.5% per year before defaults and taxes, though actual outcomes depend on borrower performance and capital is always at risk
€12M +Secondary Market volume
Target returns up to 16.5% per year across available loans
9,308 +Secondary Market participants
Minimum investment of €50 per individual loan
Three steps to your first income payment
Getting started on Maclear takes minutes, not days
Create your account and complete verification
Register, verify your identity and fund your balance
Browse loans and invest from €50
Pick loans that match your risk appetite and timeline
Receive monthly interest into your account
Interest arrives monthly; principal returns at loan end
Loyalty benefits for consistent investors on Maclear
The more you invest and reinvest over time, the more advantages you can access as a long-term Maclear community member
Tiered rewards based on your invested volume
Higher tiers can bring better terms over time
Priority access to selected new loans
Active investors may see new listings earlier
Referral bonuses for inviting fellow investors
Share Maclear and earn a referral reward
Consistent reinvestment compounds your income potential
Reinvesting interest can grow your portfolio faster
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, not direct loans. All capital is at risk, including potential total loss from defaults or limited liquidity.
Transparency you can verify yourself
Every loan on Maclear comes with published details: borrower background, purpose of funds, collateral type, LTV ratio and internal risk grade. This information is not investment advice and does not take your individual circumstances into account. Investors should review each project before committing any capital.
- Borrower background and business purpose disclosed
- Collateral type and loan-to-value ratio published
- Internal AAA-D risk grade shown on every listing
- Loan terms, duration and interest rate visible upfront
- Provision fund status accessible in your dashboard
- Downloadable statements for your own records and taxes
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about sources of income on Maclear
On Maclear, investors target annual returns of up to 16.5% APR, subject to borrower risk and possible capital loss, with an average rate of 14.5% across listed loans. Returns come from monthly interest payments on funded loans, with principal repaid at loan maturity.
When you fund a business loan, borrowers remit interest payments to your account each month throughout the loan term. These recurring deposits create a passive income stream while your initial capital remains deployed until the loan reaches its end date.
Most peer-to-peer lending platforms allow investors to start with €50 per loan. This low entry point enables portfolio diversification across multiple borrowers rather than concentrating capital in a single loan.
Crowdlending platforms use internal rating systems, typically ranging from AAA (lowest risk) to D (highest risk). Assessments factor in borrower creditworthiness, business fundamentals, collateral quality, and loan-to-value ratios to guide investor decisions.
Loans on peer-to-peer platforms are often backed by collateral with internal loan-to-value frameworks that limit lending relative to asset value. Collateral provides a secondary repayment source if a borrower defaults, reducing potential losses.
Yes, monthly interest earned can be reinvested into new loans to compound returns over time. Alternatively, you may withdraw earnings to your bank account, giving flexibility between growth and liquidity strategies.
Spreading investments across many loans with varying risk grades and terms reduces exposure to individual borrower defaults. The €50 minimum investment per loan makes broad portfolio construction practical for retail investors.
Principal repayment occurs at the end of each loan's term, not monthly. Interest is paid throughout the loan duration, while the full original amount funded is returned as a lump sum at maturity.
Loan listings display the interest rate, term length, collateral description, loan-to-value ratio, and internal risk grade. This transparency allows side-by-side comparison of opportunities before committing funds.
Peer-to-peer crowdlending platforms connect investors with vetted businesses across Europe seeking working capital, expansion funding, or other operational loans. Each borrower undergoes internal review before loan listings appear.
If a borrower defaults, interest payments and principal repayment may be delayed or lost entirely, reducing expected returns. Collateral and internal ratings help mitigate but do not eliminate this risk.
Crowdlending can generate recurring monthly income through interest payments, making it attractive for passive investors. However, it requires initial research into loans, carries credit risk, and ties capital for fixed terms.
Peer-to-peer platforms like Maclear operate across multiple European markets, funding business loans from borrowers across the continent. Geographic diversity helps spread economic and credit exposure beyond a single country.
