€144.1M+总资助金额
Target returns up to 16.5% APR
Invest in business loan claims from €50 with target returns up to 16.5% APR. Capital at risk, including total loss.
Alternative investments beyond banks and stock markets
What the numbers look like on Maclear
Maclear connects investors with vetted business borrowers across Eastern and Central Europe. No investor fees, monthly interest payments, and loan terms from 6 to 36 months.
€13.1M+已付利息
Start investing from just €50 per loan
2.1K+资助项目
Loan terms range from 6 to 36 months
52.4K+注册投资者
Zero fees charged to investors
€2.0M +准备金
Interest paid to your account every month
投资者获得分红
每月至少收到一次利息支付的投资者。
What investors say about Maclear
How alternative investing works on Maclear
You buy assigned loan claims, not lend directly to borrowers
Assignment structure, not direct lending
Borrowers sign loan agreements with Maclear. Investors purchase assigned claims to those loans. There is no direct contract between you and the borrower.
This structure means Maclear handles the borrower relationship while you hold a claim to the repayment cash flow.
Borrowers are screened before listing
Every borrower goes through internal review covering identity, financials and credit history before any loan appears on the platform.
Borrowers are graded on an internal AAA-to-D scale. This is a risk signal, not a repayment promise.
Collateral backs every listed project
Loans are backed by collateral under an internal loan-to-value framework. A lower LTV means more protection if the borrower runs into difficulty.
A Collateral Agent holds legal control over the collateral. Liquidation is not immediate but follows staged collection steps.
Monthly interest, principal at term end
Interest is paid monthly into your investment balance. Principal is repaid at the end of the loan term, which runs from 6 to 36 months.
Funds held on the platform earn no interest while idle and are not bank deposits.
A Provision Fund, not insurance
A shared reserve may help absorb some delays or partial losses on interest payments. It is not insurance and does not guarantee repayment of principal.
The fund supports timely interest during temporary borrower delays. It cannot cover every scenario or every default.
Secondary Market for early exit
Need liquidity before a loan matures? The Secondary Market lets you list your claims for other investors to buy, starting from €30 per claim.
Selling is not instant. Another investor must choose to buy your claim. Liquidity depends on demand.
Why investors consider alternative assets in 2026
Traditional savings offer minimal returns while inflation erodes value, creating demand for higher-yielding investment options.
0% Diversify beyond equities and savings accounts
存款、投资或取款均无手续费。
28,003 +Target returns higher than most bank deposits
一个围绕透明投资建立的不断壮大的社区。
€1,712 +Monthly cash flow from business loan interest
活跃用户每月的平均投资金额。
€139 +Start small at €50 and scale at your pace
每月支付给活跃投资者的平均利息。
Currently listed loan claims on Maclear
Browse available business loans, check borrower ratings, collateral details and remaining terms before you commit any capital.
投资计算器
促销
忠诚奖励 
基于目标年化收益率14.6%预估回报。实际回报可能有所不同。过往业绩不代表未来表现。
Controls that keep you informed
Every tool you need to choose, monitor and manage your claims. See <a href="/alternative-investment-management/">alternative investment management</a> for running a larger portfolio.
Internal borrower scoring from AAA to D
Each borrower receives a grade based on internal review. Higher grades signal lower assessed risk, but no grade guarantees repayment.
Loan-to-value ratio on every project
LTV shows loan size relative to collateral value. Lower ratios mean stronger collateral coverage and better protection if enforcement is needed.
Detailed loan pages with borrower profile
Each listed loan shows the borrower sector, geography, term, rate and collateral type so you can decide before committing funds.
Monthly interest statements
Track every interest payment and principal repayment in your dashboard. Use statements for your local tax filing.
Diversification across loans and regions
Spread your capital across multiple borrowers, sectors and countries in Eastern and Central Europe to reduce concentration risk.
Secondary Market access
Exit investments early by listing claims for sale. Secondary Market minimum is €30, subject to buyer availability.
The Secondary Market for loan claims
Buy existing claims from other investors starting at €30, or list your own claims for sale before the loan term ends. Liquidity is not instant and depends on buyer interest.
Open Secondary Market
What makes this an alternative worth checking
Alternative investments on Maclear sit between low-yield bank products and volatile stock markets. Business loan claims offer a different risk-return profile with monthly cash flow and collateral backing. Start with our alternative investments definition if the category is new to you.
€12M +二级市场成交量
Average rate across listed loans is around 14.5% APR
9,308 +二级市场参与者
No investor fees on either Primary or Secondary Market
Three steps to your first alternative investment
From sign-up to your first loan claim in minutes. New to this? Read how to start investing first.
Register and verify your identity
Create an account and complete identity verification
Fund your investment balance in euros
Transfer funds via bank transfer to your balance
Choose a loan and invest from €50
Pick a loan, review the details, invest
Rewards that add to your returns
Maclear offers bonuses on top of your loan interest. No fees to reduce, so every bonus adds directly to what you earn.
€15 welcome bonus for new investors
Credited when you start investing on Maclear
3% referral bonus for 90 days
Earn on your referral's investments for 90 days
1.5% to 3% loyalty bonus
Increases based on your continued investment activity
Zero investor fees across the platform
No annual fee, no management fee, no hidden charges
Join the Maclear investor community
About Maclear as an alternative investment platform
Maclear AG is a Swiss crowdlending platform that connects investors with vetted business borrowers in Eastern and Central Europe. Investors buy assigned loan claims, earn monthly interest, and bear borrower default and platform risk. Maclear is not a bank.
How Maclear handles risk and transparency
Every loan is collateralised and scored internally. A Provision Fund exists but is not insurance. Capital is at risk, including possible total loss. Maclear does not provide tax or investment advice. Tax treatment depends on your country of residence and personal situation.
- Collateral on every listed loan with LTV disclosure
- Borrower scoring on an internal AAA-to-D scale
- Provision Fund for temporary interest delays only
- Collateral Agent with legal control over assets
- Monthly statements for your tax records
- No deposit insurance on your investment balance
抵押品 和
准备金 有助于降低某些风险，但无法消除投资风险。
Common questions about alternative investments on Maclear
P2P loan claims sit between bank deposits and stock markets, offering monthly cash flow and higher potential returns. You own a claim to business loan repayments rather than holding equity or deposit balances.
P2P贷款债权介于银行存款和股票市场之间，提供每月现金流和更高的潜在回报。你持有的是对企业贷款还款的债权，而不是持有股权或存款余额。
P2P贷款债权介于银行存款和股票市场之间，提供每月现金流和更高的潜在回报。你持有的是对企业贷款还款的债权，而不是持有股权或存款余额。
The minimum investment per loan is €50 on the Primary Market. You can diversify across multiple loans or start with a single claim and add more as you build your portfolio.
在初级市场，每笔贷款的最低投资额为50欧元。您可以在多个贷款中进行分散投资，或从单一债权开始，随着投资组合的建立逐步增加投资。
在初级市场，每笔贷款的最低投资额为50欧元。您可以在多个贷款中进行分散投资，或从单一债权开始，随着投资组合的建立逐步增加投资。
This is the maximum target return, expressed as an annual percentage rate (APR). The average rate across listed loans is around 14.5%. Actual returns depend on borrower risk, the mix of loans you hold, and whether any borrower defaults. Capital loss is possible.
这是最高目标回报率，以年化百分比率（APR）表示。所有已列出贷款的平均利率约为14.5%。实际回报取决于借款人的风险、您持有的贷款组合以及是否有借款人违约。存在本金损失的可能。
这是最高目标回报率，以年化百分比率（APR）表示。所有已列出贷款的平均利率约为14.5%。实际回报取决于借款人的风险、您持有的贷款组合以及是否有借款人违约。存在本金损失的可能。
The platform charges zero fees to investors. Borrowers cover platform costs through loan pricing. You keep all interest payments received.
该平台对投资者不收取任何费用。借款人通过贷款定价来承担平台成本。您可以保留收到的所有利息支付。
该平台对投资者不收取任何费用。借款人通过贷款定价来承担平台成本。您可以保留收到的所有利息支付。
When you buy a loan claim, you own a legal assignment of the borrower's repayment obligation to Maclear. Platform risk still applies: if Maclear could not continue operating, servicing and collection of your claim could be disrupted.
当你购买一项贷款债权时，你拥有借款人向Maclear偿还债务义务的合法转让权。平台风险仍然存在：如果Maclear无法继续运营，你的债权的服务和催收可能会受到影响。
当你购买一项贷款债权时，你拥有借款人向Maclear偿还债务义务的合法转让权。平台风险仍然存在：如果Maclear无法继续运营，你的债权的服务和催收可能会受到影响。
Every borrower undergoes internal review of identity, financials and credit history. They receive an internal grade from AAA to D. Grading signals risk level but does not promise repayment.
每位借款人都需经过身份、财务状况和信用历史的内部审核。他们会获得从AAA到D的内部评级。评级反映风险水平，但并不保证还款。
每位借款人都需经过身份、财务状况和信用历史的内部审核。他们会获得从AAA到D的内部评级。评级反映风险水平，但并不保证还款。
Each loan is backed by collateral with a loan-to-value ratio showing how much is lent relative to collateral value. Lower LTV means more buffer. A Collateral Agent holds legal control and can enforce collateral through staged collection steps if needed.
每笔贷款都有抵押品作担保，贷款价值比率显示了贷款金额与抵押品价值的关系。较低的贷款价值比率意味着有更多的缓冲空间。抵押代理人拥有法律上的控制权，并可在必要时通过分阶段的催收措施执行抵押品。
每笔贷款都有抵押品作担保，贷款价值比率显示了贷款金额与抵押品价值的关系。较低的贷款价值比率意味着有更多的缓冲空间。抵押代理人拥有法律上的控制权，并可在必要时通过分阶段的催收措施执行抵押品。
Interest is paid monthly into your investment balance. The full principal is returned at the end of the loan term, which ranges from 6 to 36 months depending on the loan.
利息按月支付到您的投资余额中。全部本金将在贷款期限结束时返还，贷款期限根据不同贷款为6至36个月不等。
利息按月支付到您的投资余额中。全部本金将在贷款期限结束时返还，贷款期限根据不同贷款为6至36个月不等。
The Collateral Agent pursues staged collection starting with late-payment notices, then escalates to collateral enforcement and legal action. The provision fund may help absorb temporary delays but is not insurance and does not guarantee principal recovery.
担保代理人采取分阶段的催收措施，首先发送逾期付款通知，然后升级为抵押品执行和法律诉讼。准备金可能有助于缓解临时延迟，但它不是保险，也不保证本金回收。
担保代理人采取分阶段的催收措施，首先发送逾期付款通知，然后升级为抵押品执行和法律诉讼。准备金可能有助于缓解临时延迟，但它不是保险，也不保证本金回收。
Yes, the Secondary Market lets you sell claims to other investors. This provides liquidity but prices may vary based on borrower risk and market conditions. You keep interest earned up to the sale date.
是的，二级市场允许你将债权转让给其他投资者。这为你提供了流动性，但价格可能会根据借款人风险和市场状况有所波动。你可以保留在出售日期之前获得的利息。
是的，二级市场允许你将债权转让给其他投资者。这为你提供了流动性，但价格可能会根据借款人风险和市场状况有所波动。你可以保留在出售日期之前获得的利息。
Deposits are covered by national deposit guarantee schemes up to €100,000 per bank and pay correspondingly low rates. P2P loans deliver higher potential returns through monthly cash flow but carry borrower default risk and no principal guarantee. Both sit in your chosen investment allocation.
存款由国家存款保障计划承保，每家银行最高可达10万欧元，因此利率相应较低。P2P贷款通过每月现金流带来更高的潜在回报，但存在借款人违约风险且无本金保障。两者都属于您所选择的投资配置。
存款由国家存款保障计划承保，每家银行最高可达10万欧元，因此利率相应较低。P2P贷款通过每月现金流带来更高的潜在回报，但存在借款人违约风险且无本金保障。两者都属于您所选择的投资配置。
Interest and bonuses received are reported by the platform and become part of your taxable income. Tax treatment depends on your residence. Maclear does not give tax advice; consult your local tax authority on filing obligations.
平台报告收到的利息和奖金，并将其计入您的应税收入。税务处理取决于您的居住地。Maclear 不提供税务建议；请咨询您当地的税务机关以了解申报义务。
平台报告收到的利息和奖金，并将其计入您的应税收入。税务处理取决于您的居住地。Maclear 不提供税务建议；请咨询您当地的税务机关以了解申报义务。
Borrowers in emerging markets often pay higher rates due to local credit conditions and growth demand. Geographic diversification spreads risk across multiple economies and lending markets.
新兴市场的借款人由于当地的信贷状况和增长需求，往往需要支付更高的利率。地域多元化可以将风险分散到多个经济体和贷款市场。
新兴市场的借款人由于当地的信贷状况和增长需求，往往需要支付更高的利率。地域多元化可以将风险分散到多个经济体和贷款市场。
Capital at risk means your investment can decline in value, including total loss if borrowers default and collateral recovery is insufficient. The platform is not a bank, funds are not insured, and returns are not guaranteed. Treat this as a higher-risk allocation.
资本存在风险意味着您的投资可能会贬值，包括在借款人违约且抵押品回收不足的情况下造成全部损失。该平台不是银行，资金没有保险，收益也不保证。请将此视为高风险配置。
资本存在风险意味着您的投资可能会贬值，包括在借款人违约且抵押品回收不足的情况下造成全部损失。该平台不是银行，资金没有保险，收益也不保证。请将此视为高风险配置。
