Maclear Investor Update: January 2026 Highlights

This report provides an overview of Maclear’s platform activity and performance in January 2026, highlighting investor participation, capital inflows, investment deployment, and repayments across the portfolio.

The month reflects a solid start to the year, with continued investor engagement, efficient capital allocation across projects and industries, and steady repayments returning capital to investors. The following sections outline key metrics and trends shaping Maclear’s progress during the period.

The analysis is made by the Maclear team.

Total Track Record

A snapshot of our platform’s long-term performance:

• Total funds invested (all time): €71,736,575
• Total investors (all time): 34,479
• Total projects financed (all time): 1,109

To date, the platform has facilitated €71.7M in total investments, supported by a growing community of 34,479 investors, and successfully financed 1,109 projects across the platform.

This long-term performance reflects consistent investor engagement, scalable deal flow, and Maclear’s ability to deploy capital efficiently across multiple projects over time.

Total investors in January 2026

Number of investors over the month: 2,211

In January, 2,211 investors were active on the platform. This level of participation highlights sustained engagement from Maclear’s investor base at the start of the year and continued confidence in available investment opportunities.

Top countries by investor inflow

Top 5 countries:

• Spain — 26.67%
• Portugal — 21.76%
• France — 21.62%
• Italy — 5.83%
• Germany — 4.48%
• Rest of countries — 19.63%

Investor inflows in January were geographically diversified, with Southern and Western Europe leading activity. Spain, Portugal, and France together accounted for over two-thirds of new investor participation, reflecting strong traction in core European markets.

Italy and Germany contributed additional inflows, while 19.63% of investors originated from other countries, underlining the platform’s broad international reach.

Deposits in January 2026

Total deposits over the month: €5,362,197

Total deposits during January amounted to €5.36M, indicating solid capital inflows and a strong funding base for ongoing and upcoming investment opportunities.

Top countries by deposit amount

Top 5 countries:

• France — €1,647,721 (30.73%)
• Spain — €1,540,007 (28.72%)
• Portugal — €827,769 (15.44%)
• Germany — €251,635 (4.69%)
• Netherlands — €183,090 (3.41%)
• Rest of countries — €911,974 (17.01%)

Deposit volumes were led by France and Spain, followed by Portugal. Together, these three markets represented nearly three-quarters of all deposited capital.

Germany and the Netherlands contributed smaller but stable volumes, while 17.01% of deposits came from other countries, reinforcing geographic diversification of capital.

Invested in January 2026

Total invested in projects over the month: €7,301,065

During the month, €7.30M was successfully invested across projects on the platform. Investment volumes exceeded deposits for the period.

Funded projects in January 2026

Top 5 projects by funded amount:

• CRYPTON — €2,900,350 (39.7%)
• Loan Originator — €1,100,085 (15.1%)
• Petrolmarca — €850,492 (11.6%)
• Mihanagrotiki — €650,036 (8.9%)
• Consumer Loans — €500,002 (6.8%)

Funding activity was led by CRYPTON, which attracted €2.9M. Additional significant allocations were made to Loan Originator, Petrolmarca, Mihanagrotiki, and Consumer Loans, demonstrating a diversified allocation across multiple projects and risk profiles.

Top industries by funded amount

Top industries:

• Services — €4,300,748 (58.9%)
• Loan Originator — €1,600,087 (21.9%)
• Wholesale & services — €1,050,219 (14.4%)
• Construction/Services — €350,011 (4.8%)

TOTAL: €7,301,065

Investment volumes were primarily concentrated in the Services sector. Loan Originators and Wholesale & Services followed, together representing over 36% of monthly investments.

This allocation reflects a continued focus on service-oriented and intermediary-driven financing structures.

Top countries by funded amount

Top countries:

• Czech Republic — €3,200,277 (43.8%)
• Bulgaria — €1,600,087 (30.1%)
• Italy — €1,250,675 (17.1%)
• Greece — €650,036 (8.9%)

Projects in the Czech Republic attracted the largest share of funding (€3.2M), followed by Bulgaria (€1.6M), Italy (€1.25M), and Greece (€650K).

The distribution highlights Maclear’s strong presence in Central and Southern European markets.

Principal and interest repaid in January 2026

Total amount paid out (principal + interest): €2,040,082

Investors received principal: 3,046

Projects repaid principal: 21

In January, investors received a total of €2.04M in principal and interest repayments. During the month, 21 projectsrepaid principal, benefiting 3,046 investors, demonstrating ongoing cash flow back to investors and active portfolio rotation.

List of projects repaid principal + interest

Part 1

Part 2

Total number of projects: 21

Total repaid: €2,040,082

Top 3 projects by amount repaid:

• Estlat Prefab SIA (Stage 1) — €120957.84
• Elinor Market (Stage 3) — €120735.6
• Elinor Market — €120218.56

A total of 21 projects completed repayments during the month, with total payouts of €2.04M. The largest repayments came from Estlat Prefab SIA (Stage 1) and Elinor Market (Stages 3 and earlier), each contributing approximately €121K in returned capital and interest.

Key Takeaways — January 2026

1. Strong investor engagement, with over 2,200 active investors during the month.
2. €5.36M in deposits and €7.30M invested, indicating efficient capital deployment.
3. Continued geographic diversification, both on the investor and project side.
4. Services sector remained the primary destination for capital
5. €2.04M returned to investors, supporting liquidity and reinvestment potential.