Блог Maclear
Професионални анализи, пазарни тенденции и насоки за p2p инвестиране и пасивен доход
- 11.09.2026
Money Market Account vs. Fund: What Investors Actually Own
A money market account is a US bank deposit product that pays a market-linked interest rate and carries deposit insurance up to a set limit. A money market fund is an investment fund that holds short-term government debt, bank deposits, and commercial paper, common across Europe, with no deposit guarantee and a value that can fall.
- 10.09.2026
Fixed Income ETFs vs. Holding Debt Directly
A fixed income ETF holds a basket of bonds or debt instruments and trades on an exchange throughout the day, with no fixed maturity date for the fund itself. Holding debt directly — a bond or a non-tradable debt claim — has a set maturity and repayment schedule. The ETF offers daily liquidity; direct holding offers a known date but limited market exit.
- 10.09.2026
The Vibroedil Default at Maclear: What Happened and How the Loan Was Resolved
Vibroedil S.R.L. entered liquidation on 22 July 2025. Maclear recovered 100% of the €150,000 loan's principal through a private settlement. What happened, and how to verify it.
- 09.09.2026
Tactical Asset Allocation vs. Strategic Allocation Explained
Tactical asset allocation is a temporary shift away from a portfolio's long-term target weights, made in response to a current market view, while strategic asset allocation sets those target weights and rebalances them on a fixed schedule. Tactical shifts require assets that can be repriced and exited quickly; strategic weights can hold fixed-term instruments through to maturity.
- 09.09.2026
New: Restricted Access Projects — Extra APR for Gold and Platinum Investors
Restricted Access projects are open only to Gold and Platinum Leaderboard investors and add up to +2.0% APR per single investment of €25,000 or more, calculated automatically at the moment of investment.
- 08.09.2026
Supply Chain Finance: Reverse Factoring From the Funder's Side
Supply chain finance is a funding arrangement in which a large buyer's approved invoices let its supplier get paid early, with a funder advancing the cash at a discount based on the buyer's credit standing rather than the supplier's. Reverse factoring is the most common form: the buyer initiates the program, but the supplier is financed.
- 07.09.2026
Invoice Discounting Explained: How It Works for Investors
Invoice discounting is a revolving credit line secured against a company's accounts receivable ledger, not a purchase of the invoices themselves. The borrower keeps collecting payments from its customers, who are typically unaware the facility exists. The lender advances a percentage of the ledger's value and retains recourse to the borrower if a debtor fails to pay.
- 07.09.2026
Maclear Investor Update: August 2026 Highlights
Inside Maclear’s August 2026 figures: €11.02M invested across 14 projects, 4,707 active investors, and €4.86M returned in principal and interest as 68 projects repaid principal.
- 04.09.2026
What Is Investment Horizon, and Why Instrument Term Matters
Investment horizon is the date by which an investor needs capital back, not a general preference for "short-term" or "long-term" investing. An instrument matches that horizon only if it returns capital by that date or offers a realistic way to exit earlier. Misalignment between horizon and instrument term is a common, avoidable source of forced, costly decisions.
- 03.09.2026
What Is Passive Income: The Four Sources That Actually Pay You
Passive income is money paid to an asset owner without trading additional hours for each payment. Four parties actually make these payments: a tenant paying rent, a company paying a dividend, a borrower paying interest, or a user paying a royalty. What separates them is the legal basis of the payment and whether it is discretionary or contractually owed.
- 03.09.2026
Yield to Maturity vs. AROI: How Debt Returns Are Measured
Yield to maturity is the annualized return on a bond if held until it matures, combining the coupon, the purchase price, and the time remaining into one figure. It only works when the debt has a continuously quoted market price. Non-traded debt has no such price, so its return is measured differently — through AROI, based on principal, term, and expected earnings.
- 02.09.2026
Tax on Savings Interest: How It Actually Works in Europe
Tax on savings interest applies to interest income as it accrues or is paid, not when the underlying capital is withdrawn or sold. Unlike capital gains, which are taxed on realization, interest is typically taxed annually regardless of reinvestment. The exact rate, withholding method, and any tax-free allowance depend entirely on the investor's country of tax residence.
- 02.09.2026
What Is a Debenture, and What Does It Cover for a Lender?
A debenture is a document that gives a lender a charge over a borrower's assets as security for a loan. For the lender, it does not create new money — it creates a position: a fixed charge over named assets, a floating charge over a changing pool, or both. A charge improves the lender's place in the queue; it does not guarantee repayment.
- 01.09.2026
Types of Securities: Equity, Debt, and Crowdlending Claims
Securities are the broad legal category covering everything an investor can hold instead of the underlying asset itself: shares (equity), bonds and notes (debt), fund units, and derivatives. Each type carries a different claim and a different position if an issuer runs into trouble. A crowdlending claim resembles debt economically, but on most European platforms it is not itself a tradable security.
- 28.08.2026
Senior, Subordinated, and Mezzanine Debt: Where a Loan Sits
Senior, subordinated, and mezzanine debt describe the order in which lenders are repaid if a borrower defaults. Senior secured lenders are first and usually hold a charge over specific collateral; subordinated and mezzanine lenders are paid only from what is left, which is why their rates are higher. Seniority improves the position in the queue but does not guarantee repayment.
- 26.08.2026
Alternative investments for small investors: beyond stocks and funds
For decades, building an investment portfolio seemed to come down mainly to a mix of stocks, bonds and investment funds; today, by contrast, small investors have access to far more alternatives.
- 25.08.2026
Long-Term Investment: How the Horizon Actually Gets Built
A long-term investment is usually defined by how long an investor plans to stay invested, not by the maturity printed on any single instrument. On a crowdfunding platform, individual loans run 4–16 months, but investors build multi-year horizons by continuously reinvesting principal as it returns — a different mechanic from holding one long-dated bond.
- 25.08.2026
Passive income: how to build multiple income streams with little capital
The idea of earning money without directly trading time for it appeals to many people. Yet the concept of passive income often creates unrealistic expectations.
- 24.08.2026
Investments That Pay Every Month: How to Generate Monthly Income
Turning your savings into income that arrives every month? The idea appeals to more and more individuals, and understandably so: between inflation eating away at purchasing power and regulated savings accounts offering more than modest returns, looking for an investment that pays every month has become a reflex for building extra income, preparing for retirement and gaining financial independence. The good news: solutions exist, from the safest to the most rewarding. The less good news: very few investments actually pay out money each month, and some articles keep the confusion alive. In this guide, I review 9 investments with full transparency, clearly separating those that generate a genuine monthly cash flow from those that merely rebuild a regular income.
- 22.08.2026
Alternative Investments: A Guide to Diversifying Your Portfolio
Alternative investments cover everything that is neither stocks, bonds nor cash: unlisted real estate, lending to businesses, private equity, gold, commodities, collectibles and more. Investors add them to a portfolio because they do not react to the same events as the stock market and can offer more attractive returns than bank savings accounts. But the trade-off is almost always the same: your money is tied up for longer, and you cannot always get it back when you want to. In this article, I go through the main alternative investments worth considering and how they work.
- 21.08.2026
What to Do With Extra Money — Saving vs. Investing in 2026
Extra money should follow a clear order: pay off high-interest debt first, then build an emergency fund covering a few months of expenses. Once both are covered, split what remains between a savings account for short-term goals, backed by deposit insurance, and investments, including P2P lending, for a longer horizon where capital is at risk.
- 20.08.2026
Invoice Factoring and Working Capital From the Lender's Side
Invoice factoring turns unpaid invoices into immediate cash by selling them to a funder at a discount; a working-capital loan is a short-term loan secured against receivables or inventory. For the funder, factoring carries two layers of credit risk — the borrower's and the debtor's who pay the invoice — while a working-capital term loan carries one, tied to its collateral.
- 20.08.2026
How to Start Investing in P2P Lending: A Beginner’s Guide
Peer-to-peer (P2P) lending lets individuals fund business loans directly through a platform such as Maclear, earning interest as borrowers repay. Getting started means registering and verifying your identity, funding your account, then selecting loans manually or through AutoInvest, and diversifying across multiple loans from day one. Capital is at risk and returns are not guaranteed.
- 19.08.2026
Debt vs. Equity Crowdfunding: Which Suits Which Investor?
Debt crowdfunding and equity crowdfunding are both online models for funding businesses or projects, but their legal structure differs sharply. In debt crowdfunding, an investor becomes a creditor with a fixed term and a repayment schedule. In equity crowdfunding, an investor becomes a part-owner with no fixed term or guaranteed return. Capital is at risk in both.
- 18.08.2026
Equipment, Inventory or Property: What Backs an SME Loan
Collateral behind an SME loan is usually equipment, inventory, property, or receivables, and the class matters more than the label "asset-backed." Property tends to hold value but sells slowly; specialized equipment and slow-moving inventory can realize far less than their book value. Lenders therefore size loans against liquidation value, not book value, and recovery is never guaranteed.
- 13.08.2026
Direct Lending Explained: Who Lends When It Isn't a Bank
Direct lending is business lending without a bank in the middle: the lender funds the loan and holds it to maturity, taking the credit risk directly. Access comes through direct-lending funds — traditionally with large minimums and lock-ups — or through a crowdlending platform, where individual loan claims start from €50. Returns are not guaranteed either way.
- 11.08.2026
Crowdfunding Advantages and Disadvantages: A Lender's View
Crowdfunding gives an investor direct access to a specific borrower or project at a low entry ticket instead of an averaged bank rate. That access comes with a trade-off: no daily repricing, no exchange liquidity, and no fund manager selecting deals on the investor's behalf. Every advantage below has a matching cost, and capital is at risk throughout.
- 07.08.2026
Where to Invest €5,000 in 2026: Options and How to Spread Risk
Five avenues for €5,000, each serving a purpose in the portfolio: what ETFs, funds, stocks, deposits, and crowdlending contribute, and how to allocate them.
- 07.08.2026
How P2P lending and crowdlending earnings are taxed under IRPF in Spain
Only the interest is taxed, not the capital returned. Savings brackets, withholdings, losses due to default, and what changes when the platform is outside Spain.
- 07.08.2026
What is crowdlending and how does it differ from crowdfunding
Lending and collecting interest is not the same as financing a project in exchange for a reward or shares. The four differences that change the risk and outcome.
- 07.08.2026
How to Protect Your Savings from Inflation and Market Cycles?
Inflation slowly erodes, while crashes hit suddenly. Protecting against both requires a liquid base, a core of stocks and real estate, and 10 to 15% of uncorrelated assets.
- 07.08.2026
Crowdfunding or Crowdlending: Understanding the Difference for Smart Investing
Crowdlending is a form of crowdfunding: you lend and receive monthly interest, whereas equity makes you a shareholder. The five key differences, supported by a comparative table.
- 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.
- 30.07.2026
How the average Maclear investor builds a portfolio
17 projects, 9 borrowers, €2M in monthly Secondary Market trades — Maclear platform data from 2023 to mid-2026 shows how a typical investor actually allocates money.
- 24.07.2026
What Repeat Borrowers Reveal About a Crowdlending Platform
A repeat borrower has raised more than one loan on the same crowdlending platform. On Maclear, several companies have financed multiple projects — a signal they serviced earlier loans and passed due diligence again. But a track record only shows past performance; it does not guarantee future results, and concentrating in one borrower raises portfolio risk.
- 24.07.2026
What Backs a Maclear Loan: Collateral and LTV in Real Deals
See what actually backs a Maclear loan: registered collateral like equipment, vehicles, and company assets, valued above the loan and measured by loan-to-value. Using a real Czech IT deal, we show how base value becomes conservative liquidation value, why lower LTV means more buffer, and how collateral reduces loss without removing risk.
- 24.07.2026
How Maclear Funds Agriculture SMEs: Real Asset-Backed Deals
See how agriculture SMEs use Maclear crowdlending to fund equipment, working capital, and seasonal inventory when bank credit is slow. Each borrower passes due diligence and earns an internal risk score, with loans secured against machinery, vehicles, or inventory. Real Bulgarian deals, LTV, seasonality, and honest sector risks explained. Returns are not guaranteed.
- 24.07.2026
Anatomy of a Maclear Loan — A Czech IT-Infrastructure SME (Case Study)
A real Maclear case study: a Czech IT-infrastructure and cybersecurity SME raised a €700,000 working-capital facility in five tranches at a 14.8% annual interest rate over 12-month terms. See how Maclear vetted the borrower, scored it BBB, and secured the loan with operational assets and equipment. Returns are not guaranteed.
- 24.07.2026
New Feature: The Investor Leaderboard
The Maclear Investor Leaderboard ranks investors by active investments in four leagues, with cashback, exclusive project access, and rate vouchers.
- 24.07.2026
Inside Maclear's Funded Projects: How SME Crowdlending Works
See how a Maclear-funded project actually works — from borrower due diligence, collateral checks and an internal risk score, through funding into investor claims, to monthly interest and repayment. This hub walks through the full lifecycle of an asset-backed SME crowdlending loan, explains how AROI is measured, and links to real Maclear case studies. Returns are not guaranteed.
- 10.07.2026
P2P Lending vs Stocks: Key Differences for Investors
Stocks make you a part-owner of a public company; you earn through dividends and price appreciation, with high liquidity but market volatility. P2P lending is private debt: you lend to businesses and earn interest, measured as AROI, over a fixed term. Stocks reward ownership and growth; P2P targets regular interest income. They suit different goals, and returns are never guaranteed.
- 10.07.2026
P2P Lending vs Savings Account: Returns, Risk and Liquidity Compared
A savings account holds your money at a bank, pays low interest, and is covered by deposit insurance (around CHF 100,000 in Switzerland or €100,000 in the EU), with near-instant access. P2P lending invests your money in business loans for potentially higher returns, but the capital is not insured and can be partly or fully lost.
- 10.07.2026
P2P Lending vs Real Estate: Returns, Risk, and Liquidity Compared
"Real estate" means owning property — or a share of it through real-estate crowdfunding — to earn rent and potential appreciation. P2P lending means funding loans to earn interest, measured as AROI. Real estate is a tangible asset but needs large capital and is hard to sell quickly; P2P starts from €50 and is more passive. Both carry risk, including loss of capital.
- 10.07.2026
P2P Lending vs Index Funds: Returns, Risk & Diversification
Index funds are passive baskets that track a market index, giving you instant diversification across many stocks at a low fee, with returns driven by the equity market. P2P lending is private credit: you fund business loans and earn interest, measured as AROI. Index funds suit broad market exposure; P2P adds income with low correlation. Capital is at risk in both.
- 10.07.2026
P2P Lending vs Bonds: Key Differences for Investors
Bonds are tradable debt securities: you lend to a government or company, earn a fixed coupon, and can sell them on a market before maturity — but the price moves with interest rates. P2P lending is private debt — you fund business loans, earn returns measured as AROI, and exit only through a secondary market. Both pay income; neither is guaranteed.
- 02.07.2026
Maclear Investor Update: June 2026 Highlights
Inside Maclear’s June 2026 figures: €10.56M invested across 16 projects, 3,989 active investors, and €6.86M returned in principal and interest as 80 projects repaid principal.
- 30.06.2026
Fixed-Income Investing Explained: Where P2P Lending Fits
Fixed-income investing means lending money to a government, company, or borrower in exchange for regular interest payments and the return of your principal at maturity. Common fixed-income investments include government and corporate bonds, money-market instruments, and P2P lending. Returns are more predictable than equities but not guaranteed, and capital stays at risk from default and rising interest rates.
- 30.06.2026
July Boost: How to Earn an Extra +1.5% on Your Investments This Summer
Invest €27,000 or more on Maclear's Primary Market this July and earn an extra +1.5% annual yield on every position — while climbing faster toward higher loyalty tiers.
- 25.06.2026
Digital Lending Explained: How Online Lending Platforms Work
Digital lending means applying for, approving, and funding loans entirely online. How the model works, its types, digital lending vs investing, and the risks.
- 24.06.2026
How to Use the Secondary Market on Maclear to Get More From Your P2P Portfolio
How Maclear's Secondary Market works in P2P lending — discounts, repayment history, liquidity data, and the strategies active investors use to get more from a P2P portfolio.
- 23.06.2026
Provision Fund vs Buyback Obligation – P2P Loss-Protection Compared
A provision fund and a buyback obligation are different P2P loss-protection mechanisms. How each works, what it covers, and why Maclear uses a Provision Fund.
- 17.06.2026
AutoInvest in P2P Lending – How Automated Portfolios Work
AutoInvest automates investing on Maclear: set your strategy and the system funds matching projects by priority. See the rules, limits, and what it cannot do.
- 10.06.2026
What Is AROI? How Maclear Measures P2P Returns
AROI (Annualized Return on Investment) is how Maclear measures P2P returns.
- 08.06.2026
Maclear Investor Update: May 2026 Highlights
Western Europe funded it, Central and Eastern Europe absorbed it: inside Maclear's May 2026 figures — €10.46M deployed, €2.74M repaid, and an all-time base of 39,546 investors.
- 03.06.2026
Annual Report 2024
Annual accounts comprising the balance sheet, the profit and loss account, the notes to the accounts, and the proposal for the appropriation of retained earnings.
- 03.06.2026
A Message to Maclear Investors
An update from the Director on the platform's 2024 results — how your funds work, the figures behind the year, the capital position, and the road ahead in 2025.
- 02.06.2026
Instant deposits: New feature on Maclear
Maclear is introducing a faster way to fund your account — the instant deposits feature. Every investor gets a personal virtual IBAN. Deposit fees remain 0%.
- 01.06.2026
P2P Lending Risks: A Complete Framework for Investors
P2P lending risks include borrower default, platform, liquidity, regulatory, concentration and macroeconomic risk. Capital is at risk and returns are not guaranteed.
- 28.05.2026
P2P Lending in Switzerland 2026 — Regulation & Tax
P2P lending in Switzerland works under SRO membership overseen by FINMA. Investors report tax themselves, funds are held temporarily, and returns are not guaranteed.
- 26.05.2026
P2P Lending Secondary Market: How It Works, Fees, Risks
A P2P lending secondary market lets investors sell loan claims before maturity. How pricing, the 2.5% seller fee, lockups, and adverse-selection risk work.
- 19.05.2026
Farmland Investing: Returns, Risks, and Accessibility
How farmland investing generates returns, what risks investors face, and how crowdlending platforms now provide accessible exposure to real economic activity.
- 12.05.2026
Hard vs Soft Assets in Inflation: Which Alternatives Perform Better
Hard assets hedge inflation through scarcity; soft assets through floating rates and contractual repricing. Structural comparison for 2026 portfolios.
- 12.05.2026
€2,000,000 in the Provision Fund: How Maclear keeps your returns safe
Learn how 2% of every funded project protects investor interest payments.
- 08.05.2026
Maclear Investor Update: April 2026 Highlights
April 2026 brought €8.65M in project funding, 2,836 active investors, and €2.92M repaid across 34 projects. See the full Maclear platform recap.
- 07.05.2026
Why Institutional Investors Are Turning to Alternatives
Why pensions, endowments, and insurers are reallocating from 60/40 to private credit, infrastructure, and crowdlending — driven by liabilities, not yield.
- 05.05.2026
How Alternative Assets Reduce Portfolio Volatility
How non-correlated alternatives — private credit, crowdlending, infrastructure, farmland — lower portfolio volatility when stocks and bonds fall together.
- 30.04.2026
Crowdlending Recovery Process and Collateral Explained
A practical guide to collateral structures, recovery processes, and why active platform management
- 28.04.2026
Geographic Diversification in Crowdlending Portfolios
Why geographic concentration is one of the most overlooked risks in crowdlending
- 23.04.2026
How Returns Are Generated in Crowdlending: What Actually Drives Investor Yield
Crowdlending returns aren't driven by market timing.
- 21.04.2026
Balancing Loan Duration vs Yield: Building a Smart Lending Portfolio
Loan duration and yield are two sides of the same trade-off. Learn how maturity, interest rates, inflation and credit risk interact.
- 16.04.2026
Why Discipline Beats Intelligence in Investing
Markets reward disciplined investing, not raw intelligence. Why consistent behaviour, predefined rules, and low activity outperform clever timing over the long run.
- 14.04.2026
How Fees Compound Against Your Returns
Investment fees compound silently year after year. Learn which fees matter most, how they erode long-term returns, and how to keep more of what you earn.
- 09.04.2026
Liquidity Explained: What It Is, Why It Matters, and How to Plan for It
Many people think of liquidity as simply cash. In reality, there are different levels of ease in accessing cash to use it for various purposes. It isn’t always the best form to store wealth in though, as the greatest opportunities lie in more locked-in assets.
- 07.04.2026
How to Invest in Bonds: Routes, Costs, and Trade-Offs
There are three main routes into bonds: buying an individual bond directly through a broker, buying into a fund that holds many bonds, or buying a secured crowdlending claim that pays a comparable income stream through a different structure. Each route differs in minimum size, who selects the credit, and how you exit before maturity.
- 03.04.2026
Maclear Investor Update: March 2026 Highlights
This report presents an overview of Maclear’s platform performance for March 2026, covering key metrics related to investor activity, capital inflows, project funding, and repayments.
- 31.03.2026
Active vs Passive Investing: Key Differences Explained
Two of the most discussed methods of participating as an investor is going hard core as a specialized active investor or just helping to build the market long-term passively. Here we explain what these refer to, their benefits, and some options for practicing them.
- 23.03.2026
How Inflation Impacts Long-Term Wealth
Read some ways to turn time to your advantage.
- 19.03.2026
Short-Term Investments: Where to Park Cash for 3–12 Months
For a 3-12-month horizon, the priority is capital preservation and accessibility, not maximum yield. Main options include an insured savings account, money market funds, short-term bonds or T-bills, and short-term P2P lending. Savings accounts and money market funds offer the most certainty; short-term P2P loans are uninsured and do not guarantee an exit before the loan term ends.
- 17.03.2026
Inside Maclear's Growth: Understanding Our Statistics and Monthly Snapshots Pages
Investors always want to know as much as they can about a company’s financials, its overall performance, and which direction it’s trended in recently. That’s why Maclear provides all of this information on two dedicated pages. Here, we detail which information is posted and where.
- 12.03.2026
Why Tech Firms Deliberately Remain Unprofitable
To some companies and their financiers, there are goals and strategies bigger than short-term profits.
- 10.03.2026
Why Comparing Past Financials with Future Projections Can Be Misleading
When considering investing in a project, the numbers are one of the first things to ask.
- 05.03.2026
Maclear’s International Team: How Global Talent and Experience Helps Bolster the Platform
Global corporations, in particular tech firms, have recently demonstrated a clear move in favor of building international teams and outsourcing.
- 04.03.2026
Maclear Investor Update: February 2026 Highlights
This report outlines Maclear’s platform activity for February 2026, covering investor participation, capital inflows, project funding, and repayments across the portfolio.
- 03.03.2026
How Maclear Embodies Swiss Tradition and Innovation
Switzerland maintains a proud tradition of fueling capital to worthy projects and causes in innovative ways. Now that lending has gone digital and global,
- 26.02.2026
Why Switzerland is the Class of Global Crowdlending
Switzerland is incredibly vigilant and thorough when it comes to eliminating consumer and lender rights abuses, cybercrime, and money laundering.
- 26.02.2026
Borrower Interview: Investstroy 3000 EOOD - From Small Renovations to €2.3M in Revenue
In this interview, we spoke with founder and CEO Ognyan Georgiev Zdravkov.
- 24.02.2026
Borrower Interview: JINTEKI Ltd. — How Financing Unlocked the Next Stage of Growth
We spoke with CEO Toma Tomov on how disciplined production, predictable planning, and capacity upgrades turn demand into sustainable growth.
- 24.02.2026
Bankruptcy Law for Swiss Crowdlenders
Here, we break down the broad variety of ways Switzerland guarantees financiers’ rights.
- 19.02.2026
The Benefits of Maclear’s Continuous Auditing for Investors
Read here about the Swiss standards that PolyReg holds Maclear to, as well as its own independent principles, resulting in the utmost in security for its investors.
- 17.02.2026
Maclear's Annual Inspections by the PolyReg Self-Regulatory Organization: Far Beyond Anti-Money Laundering
FINMA and Switzerland's self-regulatory organizations are among the most rigorous in the world, reinforcing the wide range of measures Maclear already employs to boost investor confidence and security.
- 12.02.2026
Account Segregation for Crowdlending Investor Protection under Swiss Law
Here we detail why Switzerland’s robust legal system ensures stakeholders dealing with SRO-listed members are safe.
- 10.02.2026
Loan-to-Value & Collateral – How Secured Crowdlending Protects Investors
Loan-to-Value (LTV) is the ratio of a loan amount to the value of the collateral securing it, calculated as Loan Amount ÷ Collateral Value. A lower LTV means more collateral cover per unit of debt. In secured crowdlending, collateral and a low LTV reduce potential loss if a borrower defaults, but they do not eliminate it.
- 05.02.2026
Why Current Market Value Matters More Than Book Value in Loan Assessments
Discover why current market valuations provide more accurate collateral assessment than historical book values.
- 04.02.2026
Maclear Investor Update: January 2026 Highlights
This report provides an overview of Maclear’s platform activity and performance in January 2026.
- 03.02.2026
The World’s Most Lucrative Countries for Crowdlending
Discover the most lucrative countries for crowdlending.
- 08.01.2026
Maclear Investor Update: December Highlights
€6.9M invested, 6,598 active investors, €1.47M repaid. Discover growth metrics and top-funded projects across Europe.
- 08.01.2026
Maclear Investor Update: 2025 in Numbers
Maclear's 2025 performance. Explore annual metrics, 886 funded projects, and expansion to 72 countries worldwide.
- 30.12.2025
Maclear Business Model, Regulation and Transparency Facts
Overview of Maclear’s Swiss structure and regulatory compliance.
- 24.12.2025
P2B Lending in 2026: Understanding Eastern European Business Finance and the Maclear Model
Explore Maclear's approach to P2B investing and risk management.
- 18.12.2025
Is P2P Lending a Threat or Complement to Traditional Banking?
Explore the mechanics, benefits, and the future of collaborative financial ecosystems.
- 16.12.2025
P2P Lending Meetups and Forums: Why In-Person and Online Dialogue Still Matters
Learn how to build trust and network with expert investors
- 11.12.2025
The Rise of Quantum Computing: Too Early or Time to Jump In?
Explore quantum computing investment opportunities in 2025.
- 09.12.2025
Biotechnology and Genomics: Investing in the Future of Health
Learn how to invest in biotechnology and genomics stocks and ETFs.
- 04.12.2025
Maclear Investor Update: November Highlights
Explore key metrics, top countries, funded industries, and platform growth.
- 04.12.2025
5G, IoT, and Smart Cities: How to Invest in the Infrastructure of Tomorrow
Learn how to invest in 5G, IoT, and smart city infrastructure.
- 02.12.2025
The Future of Space Exploration: Is SpaceX the New Frontier for Investors?
Learn how to invest in the $1.8 trillion space economy through funds, stocks, and emerging space companies in 2025.
- 27.11.2025
Investing in AI, Robotics, and Automation: What You Need to Know
Learn how to cash in on the AI world with this overview.
- 25.11.2025
Making Passive Income Off Dividend Stocks
This beginner-friendly guide breaks down how dividend stocks can help you grow steady income over time, even if you’re not a finance expert.
- 20.11.2025
The Myth of “Set It and Forget It” in Passive Income
There exists a popular myth that passive income allows entrepreneurs to be totally passive and the money flows all on its own.
- 18.11.2025
What Is Wealth, Really? Net Worth vs. Income
That actually isn’t so. In this piece, we break down the difference between income and net worth.
- 13.11.2025
How to Use Break-Even Analysis in Making Smarter Decisions
Learn formulas, strategies, and real-world applications
- 11.11.2025
Tax-Efficient Investing: Preserving More of Your Returns
Discover how to reduce investment taxes legally
- 06.11.2025
Maclear Investor Update: October Highlights
The analysis is made by the Maclear team.
- 06.11.2025
How to Set SMART Financial Goals and Actually Achieve Them
In this piece, we give you advice to actually achieve your ambitions via a simple rule and 5 steps.
- 04.11.2025
Managed Futures: A Diversification Tool for Volatile Markets
Discover this powerful diversification tool that thrives during market crises.
- 30.10.2025
Cryptocurrency as an Asset Class: Bubble or Breakthrough
This guide explores the debate, touching on volatility, mainstream adoption, and tips for safe investing.
- 28.10.2025
What Are Hedge Funds and How Do They Work?
Discover how hedge funds operate, the strategies they use, and why they attract high-net-worth investors.
- 28.10.2025
Crypto’s breakthrough year: what 2025 means for the future of P2P lending
2025 marks a turning point for crypto P2P lending.
- 23.10.2025
Government-Incentivized Savings Plans
Stop overpaying your taxes - discover the government and employer benefits you might be missing and how to claim them today.
- 21.10.2025
Building That Credit Score
Real success stories and actionable advice to boost your score.
- 16.10.2025
Emergency Funds: How Much You Really Need
Learn how much you should save for real financial security.
- 15.10.2025
First Default, Full Recovery: How Maclear Protected Investor Capital in the Vibroedil Case
Maclear’s first default case ended in 100% investor recovery
- 14.10.2025
Crowdlending in Developing Economies: Opportunity or Exploitation?
Crowdlending is growing fast in developing countries, but is it lifting communities up or taking advantage of them?
- 09.10.2025
Spain’s Approach to P2P Lending Regulation: CNMV and Bank of Spain Oversight
Discover investor protections, compliance requirements, and strategic tips for 2025.
- 07.10.2025
France's P2P Lending Regulatory Framework: The Role of the AMF and ACPR
Discover how France's AMF and ACPR regulate P2P lending platforms, ensuring investor protection and market stability.
- 06.10.2025
Maclear Investor Update: September Highlights
September was marked by strong growth across deposits, investments, and new registrations.
- 02.10.2025
P2P Lending Regulations in Germany: Striking a Balance Between Control and Growth
Explore Germany's P2P lending regulations, BaFin requirements, and taxation rules.
- 30.09.2025
Crowd & Crypto Lending in the UK: Regulations, Taxation, and Future Developments
Discover the latest UK regulations, tax laws, and future developments in crowdlending and cryptocurrency.
- 25.09.2025
European Union’s Approach to Regulating P2P Lending: What Investors Should Know
Learn about EU P2P lending regulations under ECSPR, investor protection mechanisms, platform authorization requirements
- 23.09.2025
Investment Projects Maclear AG
Discover how Maclear AG is redefining P2P crowdlending in Europe
- 18.09.2025
How Digital Identity Will Reshape Credit Scoring and Lending
Discover how digital identity is transforming credit scoring and lending
- 15.09.2025
P2P Lending in Europe: Austria, Italy, and Bulgaria Leading the Charge
Discover how peer-to-peer lending is revolutionizing business financing in Europe
- 11.09.2025
The Shaping P2P Lending Market of 2030
Explore how P2P lending will transform by 2030.
- 11.09.2025
Maclear Investor Update: August Highlights
August was another strong month for Maclear, with significant growth in sign-ups, deposits and investments.
- 09.09.2025
The Future of ESG Investing in Europe
Discover what 2025 holds for ESG investing in Europe.
- 04.09.2025
The Future of Banking: What Decentralized Finance Means for You
Learn the ways decentralized finance is revolutionizing banking.
- 02.09.2025
How Technology Is Powering the Growth of Peer-to-Peer Lending Platforms
Read about the role of AI, blockchain, big data, and mobile tech in transforming modern finance.
- 28.08.2025
How Crowdlending Is Democratizing Access to Capital and Returns
In this piece, we cover how crowdlending is revolutionizing finance by lowering the entry threshold.
- 26.08.2025
Investing in a Changing Climate: Strategies for a Warming World
Read about some smart strategies for investing in a warming world.
- 21.08.2025
Maclear bonus points: Guide to earning and using
Maclear investors can now earn bonus points for specific actions within their personal accounts.
- 21.08.2025
Future-Proof Investing: Where Tech, Health, and Energy Converge
Explore lucrative investment opportunities where tech, health and energy intersect.
- 19.08.2025
Investing In Intellectual Property: From Patents to Trademarks
Learn smart IP investment tactics from patents to trademarks.
- 14.08.2025
Investing in Forests: a Sustainable or a Passing Fad?
Learn all about the amazing profits that can be made off forest investments like timberland, forestry funds, and carbon credits.
- 14.08.2025
How Music Influences Your Investment Decisions
We'll look at two studies that look at how music and the emotions it evokes can shape your investment behavior.
- 12.08.2025
Private Debt: How Investors Are Replacing the Banks
Delve into the fascinating ways the debt landscape is changing through private investors replacing traditional banks. Learn about direct lending, crowdlending, risks, returns, and the future of this $2 trillion market.
- 07.08.2025
Is Fine Art the Next Big Investment Trend?
Discover how ordinary investors are setting their sights on paintings and sculptures to diversify their assets, build their wealth, and tap into a market once reserved for the ultra-rich.
- 05.08.2025
Investing in Startups: Risks and Opportunities
Discover the exciting world of startup investing – where bold ideas meet high rewards and real risks.
- 31.07.2025
Alternative Investment Platforms: Types, Risks, and How to Compare Them
Alternative investments are assets outside traditional stocks, bonds, and cash — including P2P lending, real estate crowdfunding, equity crowdfunding, private debt, REITs, and commodities. They are accessed through different platform types, each with its own minimums, fees, liquidity, and regulation. Alternatives can diversify a portfolio but are generally less liquid and carry distinct risks; none are risk-free.
- 30.07.2025
Why every P2P investor should understand crypto (and how it can actually help you earn more)
Discover how crypto and Web3 can boost your P2P investment returns.
- 29.07.2025
How to Align Your Investment Strategy with Economic Cycles for Better Returns
Learn how to align your investment strategy with economic cycles to improve returns and mitigate risk. Discover smart moves for each phase of the market.
- 28.07.2025
Maclear AutoInvest User Manual
AutoInvest is a feature that allows you to automate your investments on Maclear by setting a custom strategy based on your preferences (country, risk, interest rate). The system will automatically invest for you when matching projects go live, saving your time and letting you access opportunities first.
- 24.07.2025
P2P Lending Liquidity
Discover how additional liquidity transforms P2P lending.
- 22.07.2025
Why high yield in P2P lending doesn't always mean high risk
Learn why high returns in P2P lending aren’t always tied to high risk.
- 17.07.2025
Why Regular Financial Reviews Are Essential for Investment Success
In our article, we describe how regular financial reviews are key to your long-term success, including what to check, how often, and the right tools to use.
- 15.07.2025
WBW Trades Stage 3 successfully repaid
WBW Trades has successfully completed Stage 3, repaying €150,000 in full. Funds now support inventory growth, infrastructure upgrades, and operational expansion — with projected revenue of €1.96M by year-end.
- 15.07.2025
How to Calculate Investment Returns: IRR, ROI, ROE, and ROIC
Learn how to calculate IRR, ROI, ROE, and ROIC – four key investment metrics that reveal the true performance of your money.
- 10.07.2025
Crisis-proof Investments: How to Protect Your Capital
Discover how to protect your capital with crisis-proof investments like gold, real estate, capital-protected products, and secure DeFi innovations.
- 08.07.2025
Where to Invest €1000, €5000, €10,000, €20,000, or €50,000 Right Now
In our article, we introduce you to some of the shrewdest opportunities you have for budgets big and small.
- 03.07.2025
Diversification in P2P Lending: Building a Balanced Portfolio with Multiple Loans
Learn about how you can minimize your risk and hike up your returns through P2P lending by diversifying your portfolio across multiple loans. In this piece, we cover proven strategies and common mistakes.
- 02.07.2025
Web3 = The Evolution of Your Financial Strategy
8lends by Maclear offers transparent, secure private credit with USDC stability and blockchain control.
- 02.07.2025
Stage 6 Fully Repaid: €150,950 Returned by JS Production OÜ
JS Production OÜ has fully repaid Stage 6 — €150,950 returned to investors. The loan financed new equipment to scale operations and secure larger contracts.
- 01.07.2025
How to Diversify Your Investments: Spreading Across Assets, Regions, and Platforms
Diversification means spreading your money across different assets, sectors, and regions so that no single loss can sink your entire portfolio. It reduces unsystematic risk — the risk tied to one borrower, company, or market — but it cannot remove systematic risk, which affects all assets. In P2P lending, diversification means holding many small claims rather than a few large ones.
- 26.06.2025
How to Use Index Funds for Passive Growth over Time
Learn how index funds offer a low-cost, hands-off path to long-term wealth. Discover the benefits, strategy tips, and trends making them a smart choice for passive investors in 2025.
- 24.06.2025
10 Best Ideas for Creating Multiple Income Streams
Discover 10 powerful ideas to create multiple income streams – from side hustles and digital products to investing and affiliate marketing. Start building financial stability today.
- 19.06.2025
5 Investment Solutions That Generate Monthly Income
Learn how to build consistent cashflow and achieve financial stability.
- 18.06.2025
Coming Soon: A Free Web3 Course for P2P Investors
The course will be useful even if you don't invest in crypto.
- 18.06.2025
P2P Lending Market in 2030: Our View on What’s Ahead
P2P lending market to reach $1.1T by 2030. Expert insights on DeFi integration, hybrid finance models, and global expansion strategies for peer-to-peer platforms.
- 17.06.2025
SkyWard Robotics OÜ — Stage 1 is repaid
Great news for investors! SkyWard Robotics OÜ has fully repaid Stage 1 of their €750,000 funding campaign on Maclear. €150,000 returned. Learn more about their robotic tech upgrades and future stages.
- 17.06.2025
How to Build Passive Income from Scratch
Discover how to build passive income from scratch, even without a big budget or financial background. Learn practical steps, smart investment tips, and how platforms like 8lends make it easier than ever.
- 10.06.2025
The snowball effect: How reinvesting income accelerates wealth building
Learn about the snowball effect that happens when you continually reinvest your income. Discover practical strategies like DRIPs and auto-transfers to grow your money faster with compound interest.
- 05.06.2025
How Does the DCA Investment Strategy Work?
Learn how the DCA investment strategy works. Discover how Dollar-Cost Averaging helps reduce risk, build wealth, and make investing less stressful.
- 03.06.2025
Investing at a Young Age: Where to Start?
Just reached adulthood but already focused on how to start investing? In this piece, we provide you an introduction to the options you have right out the gate, how they make you money, and other types of assets you should know about.
- 28.05.2025
GV 13 Stage 3 has been fully repaid
The third stage of GV 13 has been repaid in full after 12 months at 14% annual interest.
- 27.05.2025
What we really mean by RWA-backed loans at 8lends
Our team feels the need to clarify what we mean when we say that all listed loans on the 8lends platform are backed by real-world collateral.
- 26.05.2025
Investing for Beginners: Step-by-Step Guide for 2025
Excited to make your first investments, but don’t know where to start? In our step-by-step guide, we walk you through the preparation process at a comfortable pace to have you well on your way to making smart investments.
- 11.04.2025
New Borrower Scoring System
Maclear AG introduces a new borrower scoring system using AAA to D investment grade ratings to enhance risk assessment, transparency, and investor safety.
- 11.04.2025
Maclear Switches to Narvi Bank for All Deposits
Maclear now processes all deposits exclusively through Narvi Bank. Learn why this change improves security, speed, and transparency for our users.
- 11.04.2025
AHAU OOD (Stage 1) has been fully repaid
AHAU OOD has fully repaid €200,039.39 from Stage 1 funding. The CBD company is poised for further growth. More opportunities coming soon.
- 07.04.2025
BlackRock’s 50/30/20 Portfolio Strategy: How Maclear AG Simplifies Access to Alternative Investments
Stay informed with the latest Articles on P2P lending and investment strategies. Explore expert tips, updates, and insights to grow your portfolio with Maclear.
- 03.03.2025
P2P Personal Lending vs. P2P Business Lending
Discover the key differences between personal and business P2P lending, their benefits, and how to choose the right option for your investment strategy.
- 20.01.2025
10 Types of Alternative Investments to Consider
Let’s explore exactly what alternative investments are, why they are appealing, and uncover some of the most popular types to consider exploring.
- 15.01.2025
Peer-To-Peer Lending Risks: What to Avoid
Before diving into the investment world, familiarise yourself with these common peer-to-peer risks. Ensure your investments are secure and profitable.
- 13.01.2025
Crowdfunding vs Crowdinvesting vs Crowdlending Explained
Crowdfunding is an umbrella term for raising money online from many people. It splits into four types: donation, reward, equity (also called "crowdinvesting"), and debt (also called "crowdlending"). Crowdinvesting gives you a stake in a company; crowdlending means you lend money and earn interest. They differ in what you receive, the risk, and how returns are paid.
- 06.01.2025
SME Lending: What You Need to Know
Get clued up on the key factors of SME lending, why it is crucial in a growing economy, and how it is being limited in this essential guide for investors.
- 06.01.2025
Digital Investments: What Are They & the Benefits
This short guide is the only thing you’ll need to understand what digital investment is, which of the different types is right for you, and the benefits.
- 04.12.2024
Who stands behind the Maclear P2P lending platform
You’ve kept asking us to share more about Maclear — the team behind the platform, the journey of its development, and the story of its launch. So, the time has come, and here we go — revealing how it all started and what we have now.
- 17.07.2024
Types of Investments Explained: A Complete 2026 Guide
Investments fall into a few broad types: equities (stocks), fixed income (bonds), cash and cash equivalents, and alternatives such as real estate, commodities, private debt, and P2P lending. Each type differs in expected return, risk, liquidity, and minimum capital. No single type is best; the right mix depends on an investor's goals, horizon, and risk tolerance.
- 04.07.2024
What Is Crowdfunding? How It Works & Different Types
Interested in crowdfunding as an investment opportunity? Check out this guide to learn what crowdfunding is, how it works, and the types.
- 04.07.2024
Peer-To-Peer Lending: The Ultimate Guide
Check out this comprehensive guide for everything you need to know about peer-to-peer lending, including how it works, benefits and risks.
- 11.06.2024
Midsummer Bonus Campaign
Maclear launches Midsummer Bonus Campaign, offering €10 bonus per €1000 investment and 0.5% increased interest rates for borrowing projects.
- 07.06.2024
Why Invest in Loans? Exploring the Benefits of Loan Investments
Loan investments offer diversification, consistent passive income, risk mitigation with collateral, flexibility, and direct borrower interaction, enhancing financial growth potential.
- 26.05.2024
JS Production OÜ: Expanding Metal Coating Services
JS Production OÜ expands metal coating services with advanced equipment, targeting growing industrial market and addressing critical need for durable metal protection.
- 23.05.2024
Release Announcement: Secondary Market Feature
Platform launches Secondary Market, enabling investors to buy and sell investments directly, providing enhanced flexibility and improved portfolio management options.
- 20.05.2024
SkyWard Robotics OÜ: Elevating Wood Processing Efficiency with Robotic Automation
SkyWard Robotics OÜ leverages advanced robotic technology to revolutionize wood processing, targeting European furniture market with sustainable, efficient production methods.
- 02.05.2024
Investment Spotlight: WBW Trades – Spare Parts Supply in Europe
WBW Trades, a Polish spare parts distributor, seeks €2.5M investment to expand operations, leveraging strong financials and strategic market positioning.
- 18.04.2024
Small Steps, Significant Strides: Our Journey in P2P Lending
Platform reaches €2.5 million milestone, launches innovative Risk Score System, and welcomes over 1,500 investors, demonstrating growing market trust.
- 21.03.2024
Estlat: Eco-Friendly Prefab Homes
Estlat develops eco-friendly prefab wooden homes, targeting Finnish market with strategic equipment investments and sustainable construction innovation.
- 15.03.2024
Our short-term development Plans
Platform enhancement includes secondary market feature, risk summaries, comprehensive audit, and ambitious goal to list 20 SMEs by year-end.