€144.1M+总资助金额
Target returns up to 16.5% APR
Allocate a share of your portfolio to business loan claims with target returns up to 16.5% APR. Capital at risk, including total loss.
Financial planning that includes real yield
Key numbers for your financial plan
Maclear connects investors with vetted business borrowers across Eastern and Central Europe. You buy assigned loan claims, receive monthly interest and get principal back at term end. No investor fees.
€13.1M+已付利息
Start investing from just €50 per loan
2.1K+资助项目
Monthly interest payments to your balance
52.4K+注册投资者
Zero fees charged to investors
€2.0M +准备金
Loan terms from 6 to 36 months
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 P2P loans fit a financial plan
Six mechanics that matter when you add loan claims to your portfolio allocation
Assignment structure, not direct lending
Borrowers contract with Maclear. You purchase the assigned loan claim. There is no direct contract between you and the borrower: Maclear administers the loan while you hold the claim to its repayments.
The assignment model means Maclear handles borrower relationships while you hold the economic claim to repayment.
Monthly cash flow from interest
Interest arrives every month into your investment balance. Principal is repaid at the end of the loan term. This predictable schedule helps when you plan around recurring income or reinvestment goals.
Regular interest payments can support a financial plan that relies on periodic cash inflows rather than lump sums.
Internal borrower scoring on an AAA-D scale
Every borrower goes through internal review before listing. Maclear assigns a grade from AAA to D based on financials, credit history and project specifics. Scoring is risk assessment, not a guarantee.
The AAA-D rating helps you pick loans that match your risk appetite, but it does not promise repayment.
Collateral and loan-to-value framework
Every listed project is collateralised. A lower LTV ratio means the collateral covers more of the outstanding loan, which can reduce loss if the borrower stops paying. Higher LTV carries higher risk.
LTV is published per loan so you can factor collateral coverage into your allocation decisions before investing.
Provision Fund as a shared reserve
The Provision Fund may absorb some delays in interest during temporary repayment difficulties. It is not insurance and does not guarantee repayment of principal or full interest over the loan term.
Think of the Provision Fund as a buffer for timing gaps, not a backstop that eliminates borrower default risk.
Secondary Market for early exit
Need liquidity before the loan matures? You can list your claim on the Secondary Market starting from €30. A buyer is not guaranteed, so plan around the possibility of holding until term end.
The Secondary Market adds flexibility to your financial plan, but liquidity depends on buyer demand at any given time.
Why include P2P loans in your plan
A modest allocation to business loan claims can enhance yield and spread risk across your long-term portfolio, alongside other alternative investments
0% Target returns above typical deposit rates
存款、投资或取款均无手续费。
28,003 +Monthly interest supports reinvestment or spending
一个围绕透明投资建立的不断壮大的社区。
€1,712 +Spread across multiple loans and borrower types
活跃用户每月的平均投资金额。
€139 +Start with €50 and scale at your pace
每月支付给活跃投资者的平均利息。
Current loan opportunities on Maclear
Review business loans from Eastern and Central Europe—check borrower grade, LTV, term and rate before investing.
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 shape your financial plan
Eight ways to match your loan portfolio to your planning horizon, with more in our <a href="/investment-tips/">investment tips</a>
Choose your risk grade
Filter loans by AAA-D score. Higher grades mean lower returns but less risk; lower grades offer more yield with higher borrower risk.
Set your minimum ticket
Invest from €50 per loan. Spreading capital across multiple claims limits the impact of any single default.
Pick the loan term
Choose a loan term that aligns with when you'll need your money back, from 6 to 36 months.
Check LTV before investing
Each loan displays its LTV ratio. Lower LTV indicates stronger collateral coverage, potentially reducing loss exposure if the borrower defaults.
Reinvest or withdraw monthly interest
Monthly interest goes to your balance. Choose to reinvest in loans or withdraw to your bank.
Use the Secondary Market for liquidity
Sell claims from €30 if plans change, though finding a buyer is not guaranteed and depends on market demand.
The Secondary Market and your plan
The Secondary Market lets you sell loan claims from €30 when plans change, though finding a buyer is not guaranteed—plan your liquidity accordingly before investing.
Explore Secondary Market
Two numbers that define the opportunity
Target returns up to 16.5% APR carry borrower default risk and no deposit insurance. Possible capital loss, including total loss. Consider the trade-offs before investing.
€12M +二级市场成交量
Up to 16.5% APR target return, subject to borrower default risk
9,308 +二级市场参与者
€50 minimum per loan, spread across multiple claims
Three steps to start your allocation
From sign-up to your first loan claim in minutes. If this is your first allocation, see how to start investing.
Create your Maclear account
Verify your identity and fund your balance
Choose loans that fit your plan
Filter by grade, term and LTV ratio
Invest and receive monthly interest
Principal returns at the end of each term
Rewards that add to your plan
Maclear offers bonuses on top of loan interest. They are factual additions to your returns, not fee reductions, because investors already pay zero fees.
€15 welcome bonus
Credited when you start investing on Maclear
3% referral bonus for 90 days
Earned on the referred investor's activity
1.5% to 3% loyalty bonus
Scales with your invested amount over time
No investor fees to offset
Bonuses are pure additions, not fee discounts
A community of investors planning ahead
About Maclear and how the platform works
Maclear AG is a Swiss P2P crowdlending platform connecting EU and EEA investors with vetted business borrowers in Eastern and Central Europe through assigned loan claims. Interest is paid monthly and principal is repaid at the end of the term, subject to borrower performance. Maclear is not a bank and does not lend its own funds.
Transparency behind every listed loan
Every loan displays borrower grade, collateral, LTV ratio, term and target rate upfront. The platform screens borrower identity, financials and credit history before listing. This transparency supports informed allocation decisions aligned with your financial plan. This information is not investment advice and does not account for your personal circumstances.
- Borrower grade from AAA to D published per loan
- Collateral type and LTV ratio visible before investing
- Loan term and target interest rate stated upfront
- Internal review of borrower financials and history
- Provision Fund details explained on the platform
- Dashboard tracks payments, delays and active claims
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 financial planning with P2P loans
Target returns reach up to 16.5% APR across listed loans, subject to borrower risk and the possibility of capital loss. Your actual return depends on which loans you select and whether borrowers repay on schedule.
目标回报率在所列贷款中最高可达16.5%年利率，具体取决于借款人的风险以及资本损失的可能性。您的实际回报取决于您选择的贷款以及借款人是否按时还款。
目标回报率在所列贷款中最高可达16.5%年利率，具体取决于借款人的风险以及资本损失的可能性。您的实际回报取决于您选择的贷款以及借款人是否按时还款。
You buy an assigned claim to a loan agreement between the borrower and Maclear, rather than lending directly. Maclear manages the borrower relationship while you hold the economic right to repayment. Platform risk applies: if Maclear could not continue operating, servicing and collection of your claim could be disrupted.
您购买的是借款人和Maclear之间贷款协议的转让债权，而不是直接放贷。Maclear负责管理与借款人的关系，而您则持有还款的经济权益。平台风险适用：如果Maclear无法继续运营，您的债权的服务和催收可能会受到影响。
您购买的是借款人和Maclear之间贷款协议的转让债权，而不是直接放贷。Maclear负责管理与借款人的关系，而您则持有还款的经济权益。平台风险适用：如果Maclear无法继续运营，您的债权的服务和催收可能会受到影响。
Maclear charges zero fees to investors. You keep all interest earned and face no platform or transaction costs when buying or selling loan claims.
Maclear对投资者不收取任何费用。您获得的所有利息都归您所有，买卖贷款债权时无需承担任何平台或交易费用。
Maclear对投资者不收取任何费用。您获得的所有利息都归您所有，买卖贷款债权时无需承担任何平台或交易费用。
Interest payments arrive monthly into your investment balance. Your principal is repaid in full at the end of the loan term, which ranges from 6 to 36 months depending on the loan.
利息每月存入您的投资余额。您的本金将在贷款期限结束时一次性偿还，贷款期限根据具体贷款而定，范围为6至36个月。
利息每月存入您的投资余额。您的本金将在贷款期限结束时一次性偿还，贷款期限根据具体贷款而定，范围为6至36个月。
Maclear uses an internal scale from AAA to D to reflect each borrower's creditworthiness based on financials, history and project details. The score guides your selection but does not guarantee repayment.
Maclear 使用从 AAA 到 D 的内部评级体系，根据每位借款人的财务状况、历史记录和项目细节来反映其信用状况。该评分可作为您的选择参考，但并不保证还款。
Maclear 使用从 AAA 到 D 的内部评级体系，根据每位借款人的财务状况、历史记录和项目细节来反映其信用状况。该评分可作为您的选择参考，但并不保证还款。
Loans are secured against business assets with an agreed loan-to-value ratio. A Collateral Agent holds legal control over the collateral. If a borrower defaults, staged collection steps and legal enforcement of collateral provide a recovery path, though liquidation is not immediate.
贷款以企业资产作为担保，并设定约定的贷款价值比率。担保代理人对抵押品拥有法律控制权。如果借款人违约，将分阶段采取催收措施，并依法执行抵押品，以实现回收，但变现并非立即进行。
贷款以企业资产作为担保，并设定约定的贷款价值比率。担保代理人对抵押品拥有法律控制权。如果借款人违约，将分阶段采取催收措施，并依法执行抵押品，以实现回收，但变现并非立即进行。
The Provision Fund covers temporary delays in interest payments. It is not insurance and does not guarantee repayment of principal. It may help absorb some losses but does not protect against total loss.
备付基金用于应对利息支付的临时延迟。它不是保险，也不保证本金的偿还。备付基金可能有助于吸收部分损失，但不能防止全部损失。
备付基金用于应对利息支付的临时延迟。它不是保险，也不保证本金的偿还。备付基金可能有助于吸收部分损失，但不能防止全部损失。
Yes, the Secondary Market lets you sell your loan claims to other investors. Sale price depends on current interest rates and borrower performance, so you may recover more or less than your initial investment.
是的，二级市场允许您将贷款债权出售给其他投资者。出售价格取决于当前利率和借款人表现，因此您回收的金额可能多于或少于您的初始投资。
是的，二级市场允许您将贷款债权出售给其他投资者。出售价格取决于当前利率和借款人表现，因此您回收的金额可能多于或少于您的初始投资。
You can start with €50 per loan on the Primary Market where new loans are listed. The Secondary Market accepts investments from €30, letting you build a diversified portfolio with smaller amounts.
您可以在初级市场以每笔贷款50欧元起步投资，新贷款会在此市场上架。次级市场接受30欧元起的投资，让您用较小的金额构建多元化投资组合。
您可以在初级市场以每笔贷款50欧元起步投资，新贷款会在此市场上架。次级市场接受30欧元起的投资，让您用较小的金额构建多元化投资组合。
Maclear provides a statement of interest earned and bonuses received. Tax filing remains your responsibility based on your local jurisdiction's rules. The platform does not offer tax advice.
Maclear 会提供所赚取利息和收到奖金的对账单。根据您所在地区的规定，报税责任由您自行承担。该平台不提供税务建议。
Maclear 会提供所赚取利息和收到奖金的对账单。根据您所在地区的规定，报税责任由您自行承担。该平台不提供税务建议。
Maclear follows staged collection steps: payment reminders, negotiated rescheduling, and legal enforcement of collateral if needed. The Collateral Agent controls the secured assets. Recovery takes time and may not be total.
Maclear遵循分阶段的催收步骤：付款提醒、协商重新安排还款，以及如有需要对抵押品进行法律执行。抵押代理人掌控担保资产。回收过程需要时间，且可能无法全部收回。
Maclear遵循分阶段的催收步骤：付款提醒、协商重新安排还款，以及如有需要对抵押品进行法律执行。抵押代理人掌控担保资产。回收过程需要时间，且可能无法全部收回。
