How Many Loans Actually Take Money Each Month on Maclear
How many loans took investor money in August?
The reporting month recorded 155 projects receiving investments, compared with 106 at the beginning of the supplied annual comparison (based on Maclear internal data, August 2026).
The reported peak was 187 projects in July, while the minimum was 97 in December of the preceding year (based on Maclear internal data, August 2026). Activity therefore varied across the period. The endpoints do not describe steady month-by-month growth. Asking how many loans fund each month also requires distinguishing projects receiving investments from projects completing funding.
What does “loans that took money” actually count?
Projects with at least one investment during the reporting month. A project qualifies whether it received money early or late in that month.
The count does not describe how many listings were open together on any particular day. Nor does it count only newly launched or fully funded projects. It is a measure of activity over a period, not a live inventory.
| Measure | Reported value | What the measure describes |
|---|---|---|
| Projects receiving investments, August 2026 | 155 (based on Maclear internal data, August 2026) | Projects with at least one investment during the month, not listings available on a particular day. |
| Project counts over the 12-month comparison | 106 → 155; peak 187 in July 2026; minimum 97 in December 2025 (based on Maclear internal data, August 2026) | The range and upward change between endpoints, not monotonic monthly growth. |
| Average investment transaction, August 2026 | Approximately €387 (based on Maclear internal data, August 2026) | €11,015,731 ÷ 28,488 transactions. An average transaction amount, not a required minimum. |
| Monthly investing investors per receiving project, August 2026 | Approximately 40 (based on Maclear internal data, August 2026) | 6,143 ÷ 155. An aggregate ratio relevant to potential competition for capacity, not measured participants per project or guaranteed access. |
| Average project minimum ticket | Approximately €343 (based on Maclear internal data, August 2026) | A project-level minimum setting, not a single platform-wide threshold. |
| Range of project minimum tickets | €125–€1,500 across 2,278 projects (based on Maclear internal data, August 2026) | Variation in the supplied project dataset; not a universal current platform minimum. |
| Free balance relative to placed capital | 2.3%; snapshot on 24 September 2026 | A one-time balance ratio, not a measure of days spent uninvested. |
| Accounts with non-zero balances | 14,562 of 55,427 (26.3%); snapshot on 24 September 2026 | Account incidence on the snapshot date; the reasons for balances are not distinguished. |
Source: Maclear internal data for August 2026; balance snapshot dated 24 September 2026. The extraction date for the August dataset was not supplied. General investment and project statistics are available at maclear.ch/statistics. Averages and ratios are rounded calculations from the supplied figures; unavailable data are not estimated.
What limits placement: your balance or loan supply?
Having money available is necessary, but does not create a suitable loan listing. P2P loan supply determines which projects can receive an allocation at the time you want to invest.
The supplied monthly investor-to-project ratio is approximately 40 (based on Maclear internal data, August 2026). That highlights the difference in scale between participating investors and receiving projects. It does not mean each project attracted the same number of people or that investors were competing for the same remaining capacity.
Does my investment amount matter more than loan supply?
Neither factor can be assessed alone. A balance must meet the relevant investment requirements, and a suitable project must be accepting funds.
The figures make loan supply a relevant constraint to examine, but do not prove that supply is usually the tighter bottleneck. Establishing that would require information about unfilled demand, project capacity and why particular allocations did not occur.
Why does the minimum ticket differ between projects?
The minimum investment amount in P2P lending needs to be checked at the level relevant to your transaction.
The supplied dataset reports project-level minimums rather than a single threshold applied across all recorded projects.
Why do minimum investment amounts vary between projects?
The supplied extract treats the minimum as a project-level setting, but does not explain the decision behind each threshold. It would be speculative to attribute the differences to borrower quality, demand or project size.
Maclear’s public material separately advertises a platform entry minimum. That headline and the project-minimum dataset are not interchangeable measures. Check the current project terms for the amount actually required; the historical extract alone cannot establish today's threshold.
What does leftover cash on investor accounts show?
The balance snapshot records free cash relative to placed capital and the proportion of accounts with a non-zero balance. Those measures answer different questions: how much cash remained in aggregate, and how widely balances occurred across accounts.
Neither identifies why the money was there. An investor might be waiting for a suitable project, preparing a withdrawal or accumulating enough for an intended allocation.
P2P lending cash sitting idle is therefore a balance observation before it is an explanation. The snapshot cannot separate those motives or identify which investors wanted immediate placement.
What does this data leave unanswered about timing?
The supplied dataset does not measure listing-to-full-funding duration or how long individual cash balances remain uninvested. No estimate in days can be derived from its monthly counts or balance ratios.
That is the boundary of this account of how P2P loan funding works. The figures describe projects receiving allocations, transaction amounts and a later balance snapshot. They do not explain the elapsed time between a particular deposit and investment.
For the separate subjects, see reinvesting income, AutoInvest mechanics and investor portfolio data.
The number of loans taking money each month is not a promise of available inventory on any given day, and the supplied dataset does not measure how long an investor's cash sits uninvested - treat both figures as descriptive, not as a liquidity guarantee.
Frequently asked questions
How many Maclear loans take investor money in a typical month?
The reported annual range was 97–187 projects per month, with 155 in the reporting month (based on Maclear internal data, August 2026). These are projects receiving investments, not necessarily completing funding. The range describes the observed period; it is not a forecast or a promise of today's available listings.
What limits how fast my money gets invested: my balance or loan supply?
Both can constrain placement. Your balance must satisfy the applicable requirement, and a suitable project must accept funds. The monthly investor-to-project ratio highlights supply as a relevant factor, but cannot prove why your money remains available. The extract does not measure rejected allocations, unmatched demand or project capacity.
Why do minimum investment amounts differ between loans?
The supplied data treat minimums as project-level settings and report a range of €125–€1,500 (based on Maclear internal data, August 2026). They do not explain each setting or establish current thresholds. Check the specific listing; historical project minimums, a platform entry figure and an average transaction amount describe different things.
Does Maclear disclose how long it takes a loan to get fully funded?
No such duration is disclosed in the supplied dataset. Counting projects receiving investments cannot establish the time between listing and full funding. This article therefore provides no estimate of funding speed and does not infer that no other Maclear record could contain information about an individual project's history.
Why is there uninvested cash on some investor accounts?
The snapshot does not identify the reason. Free balances could reflect planned withdrawals, waiting for suitable projects or accumulating funds for an intended investment. The reported balance ratio is a point-in-time observation, not a measure of waiting time. It cannot establish that every account with cash wanted immediate allocation.
Maclear AG is a Swiss peer-to-peer (P2P) lending and crowdlending platform, headquartered in Switzerland. The company acts as a financial intermediary in the non-banking sector and is a member of PolyReg SRO, in accordance with Swiss financial regulations, particularly regarding AML, KYC, and GDPR. Maclear provides individual and qualified investors access to carefully selected business loan opportunities, with integrated risk assessment, a Provision Fund, and a Secondary Market for liquidity.
The content of this article is provided for informational and educational purposes only. It does not constitute investment, financial, tax, or legal advice. Peer-to-peer (P2P) lending and crowdlending investments carry a risk of partial or total loss of capital. Past performance does not predict future results. Liquidity on a secondary market is not guaranteed. Readers are encouraged to conduct their own research and consult qualified advisors before making any financial decisions. The availability of products and services may be restricted in certain jurisdictions.