AutoInvest is Maclear's tool for investing automatically by rules you define. You set parameters – amount, term, interest rate, risk level, countries, and project types – and the system reserves funds for matching Native projects when its scheduler runs. It is available to verified investors who completed PoA and signed Form A. Automation executes your strategy; it does not remove investment risk.
What is AutoInvest in P2P Lending
AutoInvest in P2P lending is a feature that allows setting predefined criteria for the loans the investors want to fund. The platform will then automatically allocate the funds to the loans that meet the investor's specification. The feature is designed to include the coverage of various parameters, including the interest rate of the loan, the loan amount, the loan term, and the rating of the borrower. There are additional parameters too. Once the parameters are set by the investor, the tool scans the available options on the platform and then proceeds with the allocation of funds to those that meet the defined criteria best.
AutoInvest access is gated by Proof of Address (PoA) and a signed Form A. PoA verifies the investor's identity and residence; Form A is the compliance document ensuring due diligence with Anti-Money Laundering (AML), Know Your Customer (KYC), and GDPR principles.
Who can use AutoInvest on Maclear?
Only the users with the PoA and Form A can use AutoInvest on Maclear. AutoInvest uses the same model for assessing credit risk and the same Annualized Return on Investment (AROI) metric as the rest of the tools on the Maclear crowdlending platform. Authorized users may optimize their investment strategy as well as manage the funds better with the criteria they can set in AutoInvest.
How an AutoInvest Strategy Works: the Parameters You Set
Investors can set rule-based strategies automatically instead of selecting the projects they are interested in manually. The system will automatically evaluate all the opportunities available on the platform against the set of criteria and then will automatically allocate the funds when a matching project becomes available. The table below gives a detailed overview of how AutoInvest is supposed to function on Maclear.
Run consistently, AutoInvest is also a practical way to apply a dollar-cost averaging strategy across many projects.
How AutoInvest works on Maclear — strategy settings
| Setting |
Mode |
What it controls |
Range or default |
| Investment amount |
Basic |
Investment amount that is allocated to a single project |
From €50 (a set minimum) to user-defined maximum |
| Interest rate (from %) |
Basic |
Minimum project interest rate |
User-defined |
| Loan term |
Basic |
Acceptable project term range |
A period from/to in months |
| Risk level |
Basic |
Eligible project risk level on 1 to 10 score (based on Maclear credit risk assessment framework) |
All by default |
| Countries |
Basic |
Countries where the project is located |
All by default |
| Project types |
Basic |
Eligible project categories |
All by default |
| Maximum Debt-to-Equity (D/E ratio) |
Advanced |
Total liabilities ÷ shareholders' equity |
Default value of 0.2 in the range 0.2–4.0 |
| Loan-to-Value (LTV) |
Advanced |
Loan amount ÷ collateral value |
Range from 40% to 200% |
| Credit History |
Advanced |
Borrower's historical credit profile |
All by default but credit score from 6 to 10 |
| Skip projects with existing investments |
Advanced |
Excludes projects that are already present in the investor's portfolio |
On/Off filter |
Risk Level (Basic) and Advanced Settings are mutually exclusive – enabling Advanced disables the Risk Level selector.
How Does AutoInvest Choose Which Project to Fund?
AutoInvest evaluates all the projects present on the platform and prioritizes them by ranking them according to an internal framework after running the scheduler. It does not invest in projects on a first-served basis, evaluating every option against the set of criteria defined by the user.
The process of AutoInvest evaluation is the following.
- AutoInvest runs according to the schedule, not on the investor's demand.
- The system scans through the projects and creates a list of all available "Native" projects that have an "Open" status that are a match for the investor's strategic criteria.
- AutoInvest calculates a priority score. The priority score of a project depends on several factors at a time (below).
- AutoInvest chooses the project with the highest-ranked score and allocates the funds to it.
- The process is then repeated in the next cycle during the next scheduled timeframe. Every time the process is re-run, AutoInvest reevaluates the project, recalculating its score.
Priority-score factors
- Fill rate – the projects that are closer to hitting their funding target receive a higher priority in the system.
- Profitability – higher expected returns on the project make the project rank higher in terms of priority.
- Recency – the project's last processing defines whether a project receives a temporary reduction in priority. If the project was processed recently, it would get a temporary reduction in priority. Recency-cooldown partially refreshes after 15 minutes and completely refreshes after 30+ minutes.
- Risk – the projects with a lower risk score rank higher in terms of priority.
Can I lose money with AutoInvest?
Yes, you can lose money with AutoInvest. Despite the system trying to evaluate the project against a set of defined criteria to mitigate the risks related to P2P investment, risk-free investment is impossible. Borrower-related risks, liquidity risks, platform-related, macroeconomic, and regulatory risks remain.
AutoInvest Rules and Limits Every Investor Should Know
AutoInvest has certain rules and limits that every investor should know. The framework of AutoInvest is the following.
Rules & limits
- Maximum of 10 AutoInvest strategies per investor on the account;
- The set minimum amount of investment equal to €50;
- Minimum balance threshold (default value = €50);
- One investment per project per strategy;
- No duplicate strategies;
- Multiple active strategies with overlapping criteria may invest in one project. The strategy configuration remains the investor's responsibility;
- Only "Native" projects. ACL projects are excluded.
Investments made through AutoInvest also count toward Maclear's loyalty and referral bonuses, on the same terms as manual investments.
Does Automation Reduce Risk? What AutoInvest Does and Does Not Do
AutoInvest allows the automation of the investment strategies on the platform. The investors can set a set of criteria to find the best-fitting project on the platform through an automated system operating within a given framework of user-set rules. However, AutoInvest does not reduce the credit risk, default risk, and liquidity risk. Since the criteria are set by the investor, AutoInvest simply runs the checks based on them and does not impact the final decision of the user.
When using AutoInvest, it is important to remember that the returns are not guaranteed. A more aggressive strategy like a higher rate of return or lower risk score does not equal a better project. The choice depends on the risk profile. The investor is responsible for the configuration of the strategies, including criteria to filter the projects; the system only warns the user but does not provide any guidance.
For the full picture, see Maclear's full risk disclosure and our guide to P2P lending risks.
How Does AutoInvest Decide Which Project to Invest In?
AutoInvest decides whether the project is the optimal choice for investment by applying a set of criteria. The priority score consists of the project's fill rate, the project's estimated profitability, risk, and recency of processing in the system. Projects that have been assessed most recently receive a temporarily reduced priority rate.
Key takeaways
- AutoInvest funds Native projects automatically against rules you define; it is available only to investors who completed PoA and signed Form A.
- Strategies use Basic settings (amount, rate, term, risk level, countries, project types) and Advanced settings (D/E, LTV, credit history, skip-existing); Risk Level and Advanced settings are mutually exclusive.
- Projects are ranked by a priority score from Fill Rate, Profitability, Recency, and Risk; the highest-scoring "Native" project is funded.
- Limits are fixed: up to 10 strategies, €50 minimum investment, automatic pause at the minimum-balance threshold, and one investment per project per strategy.
- Automation executes your strategy but does not reduce credit, default, or liquidity risk; returns are not guaranteed.
FAQ
What is AutoInvest?
AutoInvest is Maclear's tool for investing automatically according to the rules the investor defines. The investor sets parameters like amount, term, interest rate, risk level, countries, and project types, and the system reserves funds for matching Native projects when its scheduler runs.
Who can use AutoInvest?
Only the users with the PoA and Form A can use AutoInvest on Maclear. AutoInvest uses the same model for assessing credit risk and AROI metric as the rest of the tools on the platform. Therefore, only authorized investors may use AutoInvest to set up their automated strategies on Maclear.
What is the minimum amount for AutoInvest?
The minimum set amount for an investment in the project is €50. Although the users can set their own amount that is higher than the baseline, setting less than €50 is technically impossible.
How many strategies can I create?
The investor may create up to 10 strategies for an account. The strategies' criteria may overlap, but the creation of duplicate strategies is forbidden. In case of overlapping criteria, the system gives the investor a warning, yet the composition of the strategy remains the responsibility of the investor.
How does AutoInvest choose projects?
AutoInvest applies a set of criteria and ranks projects by a priority score made up of the project's fill rate, estimated profitability, risk, and recency of processing. The highest-scoring "Native" project is funded; ACL projects are excluded.
What happens if my balance runs low?
If the balance reaches its minimum, the strategies are paused and then are rerun automatically. The strategy will not be canceled, and the investor can top up the funds to continue.
Can I lose money with AutoInvest?
Yes, you can lose money with AutoInvest. The system evaluates projects against defined criteria to mitigate P2P investment risks, but risk-free investment is impossible. Borrower-related, liquidity, platform-related, macroeconomic, and regulatory risks remain.
Maclear gives verified investors access to vetted business-loan projects with built-in risk assessment. Build an AutoInvest strategy or invest manually on the Maclear crowdlending platform.
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About Maclear
Maclear AG is a Swiss-based P2P lending and crowdlending platform headquartered in Switzerland. The company operates as a financial intermediary in the non-banking sector and is a member of PolyReg SRO, in compliance with Swiss financial regulations including AML, KYC, and GDPR. Maclear offers retail and qualified investors access to vetted business loan opportunities, with built-in risk assessment, a Provision Fund, and a Secondary Market for liquidity.
Disclaimer
The content of this article is provided for informational and educational purposes only. It does not constitute investment, financial, tax, or legal advice. P2P lending and crowdlending investments carry a risk of partial or total capital loss. Past performance is not indicative of future results. Liquidity on a secondary market is not guaranteed. Readers should conduct independent research and consult qualified advisors before making any financial decisions. Availability of products and services may be restricted in certain jurisdictions.
