WOW Innovation
16%
Interest rate
- Funded
- 17%
- Loan period
- 14 month
Swiss-regulated P2P investment platform
Earn up to 15.6% + Ref 3% and Loyalty 3% returns investing directly in EU businesses
Maclear in Numbers
€140.4M+
Total Funded
50,426
Investors
€48.5M+
Repaid Total
1/0
Default / Late Loans
Why Invest With Maclear?
0%
- on deposits
- on investments
- on withdrawals
Zero Hidden Fees
What you invest is what you get to work with — no hidden charges
€50
Invest From Just €50
Begin your investment journey with as little as €50. No need for large capital to access monthly income
15.6%
Earn Up To 15.6% Annual Returns
Fixed interest rates with guaranteed monthly payouts. Receive your first interest payment in just 30 days.
How Does It Works
Business Application
European companies submit funding requests for their growth projects and equipment purchases
Expert Review
Multi-stage due diligence by our financial experts ensures only quality projects advance
Regulatory Compliance
Swiss regulators verify each business for full European regulatory compliance
Financing by Investors
Investors provide funding to their chosen verified projects, starting from €50
The Result
For our Investors: Higher returns than traditional banking
Ready to get started?
Featured Investment Projects
Our Investors talk about us
They Talk About Us
Maclear's P2B crowdlending is based mainly on loans to companies in Eastern Europe, where bank rates for SMEs average 7–10%, against 4–6% in Western Europe. Access to credit there is more restricted and more conditional on real collateral.
Maclear is currently the only platform in Europe that combines Swiss regulation, genuinely collateralised business loans, and the legally robust collateral-agent model.
Monitoring continues after disbursement: the team reviews financial and operational reports and tracks early warning signals. Staged financing adds another safeguard, since additional tranches are released only if agreed conditions are met. If risks increase, funding can be paused before full exposure is reached.
Open a project and you get access to detailed metrics and the risk assessment: Loan-to-Value, Debt-to-Equity, credit history and a total risk score. Together this gives a considerably more comprehensive picture of the borrower than many simpler crowdlending offerings.
Staged financing reduces point-in-time risk, because not all the capital enters at once. Each stage corresponds to a specific moment in the project, which makes it possible to assess progress before committing more money.
See What Our Investors Are Saying About Us
Maclear Blog
- 04.08.2026
Maclear Investor Update: July 2026 Highlights
Inside Maclear’s July 2026 figures: €13.81M invested across 18 projects, 4,207 active investors, and €6.06M returned in principal and interest as 75 projects repaid principal.
- 31.07.2026
Investing in Switzerland from France: Legal Framework, Taxation, and Platform Types
Investing in Switzerland from France is legal, provided you stay transparent: form 3916 mandatory, taxation in France on worldwide income, PEA excluded. This guide reviews the Franco-Swiss treaty (35% anticipated tax reduced to 15%), the 31.4% flat tax, and four platform types—brokerage accounts, ETFs, Swiss banks, and crowdlending.
- 31.07.2026
Crowdlending Taxation for French Residents: Flat Tax (31.4%), Declaration, and Optimization
31.4% flat tax from 2026, box-by-box declaration (boxes 2TT, 2CK, 2OP), capped capital loss deduction of €8,000 and installment-payment waiver: the clear guide to crowdlending taxation for French tax residents, including foreign and Swiss platforms. Educational article, not personalized tax advice.
Frequently Asked Questions
More Questions
If the borrower defaults on monthly interest payments for more than 3 days, Maclear will continue paying out interest payments from the Provision fund until the borrower resumes interest payments according to the repayment schedule.
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Maclear AG is a P2B crowdlending platform organized thoroughly following the Swiss financial market rules and regulations. According to the law, our company's activity is regulated, verified, and monitored by the SRO (Self-Regulated Organization membership). We proudly declare that we are a PolyReg Services GmbH SRO member and comply with all applicable AML and GDPR requirements.
The Provision Fund is a reserve pool funded by platform commissions. If a borrower is late on interest payments, Maclear continues paying you on schedule, from the Provision Fund, while resolving the issue. This means your cash flow isn't interrupted by short-term borrower difficulties. The Provision Fund covers interest payment delays. It does not cover full capital loss in the event of a default, for that, Maclear acts as Collateral Agent and initiates legal enforcement of the borrower's collateral on your behalf.
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Use any bank account registered in your name to deposit funds. Multiple accounts are allowed, as long as the name matches your Maclear account. To withdraw, go to Deposit/Withdraw, select your IBAN, enter the amount, and confirm. Requests are processed within 1–2 business days. EU transfers usually arrive the next day; non-EU transfers may take longer.
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Our company is meticulous about selecting investment projects. For a potential borrowing project to be considered by Maclear specialists, we require that the applicant fill out a special questionnaire supported by numerous legal and financial documents about the borrower, beneficiaries, and possible guarantees. The project's initiator should also provide a detailed business plan and a financial model with a comprehensive legal, economic, and marketing analysis. Afterward, the project is initially evaluated and verified by our personnel. Further, the borrower must provide information about the legal entity's current financial position, valid and confirmed jurisdiction, previous experience, etc. After obtaining the necessary documents, a potential borrowing project undergoes a multi-level verification process, including, but not limited to, compliance, due diligence, and risk assessment. If the project passes all verification stages, our experts conduct the final stage of negotiations with the project initiators and sign all necessary and obligatory legal agreements. Subsequently, the project appears on the platform.
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Interest Payment: This refers to the regular monthly payments the borrower makes to the investor throughout the loan term. These payments cover only the interest — not the loan amount itself (the principal). Principal Repayment: Refers to the return of the original amount of money that was invested.
The Secondary Market allows investors to sell their investments before maturity — a liquidity tool for those who need early exit. But it's also an entry point with exclusive opportunities: - Buy loan shares at a discount - Access projects no longer available on the primary market - Enter projects with a shorter remaining term — for example, buy into a 12-month loan at month 8 - Filter by your preferred metrics: LTV, Debt-to-Equity, and more Liquidity is not guaranteed — availability depends on buyer demand for a specific project.
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1. Welcome Bonus A €15 welcome reward on your first investment within 7 days of registration 2. Maclear 3+3 referral program Invite a friend, and both of you will earn 3% of the investment amount 3. Investment Reward Get extra €30 on every €500 invested 4. Loyalty Bonus +3% to the Interest rate per annum on all future investments
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The loyalty program rewards investors based on their active investment amount, the total currently invested in live projects, not historical volume. The more you have actively invested, the higher your loyalty level and the higher your additional annual return — from 1.5% to 3% on top of your project rate.
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Once you reach the Beta loyalty level, you will receive an extra 1.5% return on all your future investments. This means that if the project/loan you'd like to invest in has a 14% interest rate, you will get 15.5% instead of 14%. The same goes for all other levels. Beta Plus +2%, Alpha +2,5%, Alpha Plus +3%.