WOW Innovation
16%
Interest rate
- Funded
- 17%
- Loan period
- 14 month
Swiss-regulated P2P investment platform
Earn from 13% + Referral bonus + Loyalty returns investing directly in EU businesses
Maclear in Numbers
€174.4M+
Total Funded
62,031
Investors
€67.6M+
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 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 a P2B marketplace where small businesses from various sectors offer individual and corporate investors the opportunity to fund their development projects. The investments benefit from guarantees and they are backed with collateral. In return, the companies reimburse the capital and pay interests according to a predefined schedule.
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
- 06.11.2026
How Is an Assurance-Vie Withdrawal Taxed in France?
You have held a French life-insurance savings contract (assurance-vie) for a few years, and you are about to withdraw part of your savings. Home renovations, a down payment on a purchase, a helping hand for a child: whatever the reason, one question always comes up. How much will the tax authorities take? Between the French flat tax on investment income (PFU), the French tax allowance (abattement) after eight years, the €150,000 threshold and the French social charges on investment income (prélèvements sociaux), the taxation of assurance-vie has a reputation for being a headache. It is, a little. But once you understand the logic, the calculation becomes almost simple. Here we explain what you actually pay on a withdrawal in 2026, with worked examples to back it up.
- 06.11.2026
Inheritance Tax in France: What You Keep and How to Invest It
A loved one passes away, and along with the grief come paperwork, a French notary, a legal professional who handles estates and property transactions (notaire), and deadlines. Then comes a question you may not always dare to ask out loud: how much will be left once the tax authorities have taken their share? The rate schedule shows rates of up to 45%, or even 60%, which is enough to worry anyone. But the rate on the schedule is almost never the rate you will actually pay. In this article, we explain how French inheritance tax (droits de succession) is calculated in 2026, we work out what you actually keep in four common situations, and then we give you the broad outlines for investing that money with peace of mind.
- 05.11.2026
Term Deposit or Crowdlending: Which Should You Choose for Your Savings in France in 2026?
French fixed-term deposit accounts (compte à terme, CAT) are back in bank windows. After two ECB rate hikes since June, some offers now advertise up to 4% gross, enough to tempt savers who are tired of a French tax-free, government-regulated savings account (Livret A) paying 1.70%. On the other side, crowdlending touts double-digit rates. On paper, the contest looks decided before it starts. Except that these two investments play completely different roles: one protects your capital, the other puts it to work by exposing it to risk. Let's compare them point by point (net return, risk, liquidity, taxation) using figures from fall 2026, so you can see which one suits your money… or how to make them work side by side.
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.
Maclear AG is a P2B crowdlending platform organized in accordance with 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.
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.
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.
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.
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
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.
To start investing: - Create an account - Complete verification (available only to EEA residents) - Deposit at least €50