Why Maclear
6 key reasons investors choose the platform
Financing small & medium businesses
You invest in loans to real businesses โ clear logic and transparent deal economics
Swiss jurisdiction and compliance
We operate in Switzerland. PolyReg and FINMA requirements are the foundation of our model and safety procedures
Borrower screening and auditing
Due diligence, document checks, financial review, and ongoing monitoring of loan status
Collateralized loans (RWA)
Investments are backed by real-world assets โ an additional layer of protection and a clearer risk profile
Returns up to 16.5% per year
You see the loan terms upfront. Returns depend on the specific project and conditions
Bonuses with Invant
โฌ15 welcome bonus for signing up + 3% cashback on every investment for 90 days
How to get started
01
Sign up on this page and complete KYC
02
Top up from โฌ50 and choose a project
03
Invest and track performance in your dashboard
My videos about Maclear
๐โโ๐ ๐๐๐๐๐๐ฅ ๐ฎ๐ฌ๐ฎ๐ฒ ๐ฃ๐ฎ๐ฃ | ๐ง๐จ๐ง๐ข๐ฅ๐๐๐ ๐๐ข๐ ๐ฃ๐๐๐ง๐ข๐ฅ๐ฅ๐๐๐จ๐๐๐๐ ๐ฒ๐ป ๐ฆ๐๐ถ๐๐ฎ ๐คฏโ๐ข๐ฝ๐ถ๐ป๐ถ๐ผ๐ป๐ฒ๐ ๐ฅ๐ฒ๐๐ถ๐ฒ๐ ๐ ๐รณ๐บ๐ผ ๐๐๐ป๐ฐ๐ถ๐ผ๐ป๐ฎ ๐๐ฎ๐๐ซตโ
Maclear P2P 2026: Mercado Secundario, Autoinvest y +22% Rentabilidad โ Review ๐
๐Curso Completo de Crowdlending 2026: Paso a Paso con el Caso Real de Maclear ๐ฅ [Sin Secretos]
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Frequently Asked Questions
More Questions
Maclear AG is a Swiss P2P lending platform, also known as a crowdlending or crowdfunding platform, that connects investors with EU-based businesses seeking financing. Our primary focus is on real-sector businesses, and each borrower undergoes comprehensive risk assessment checks, including evaluations of their business, financial models, capitalisation, and transparency.
Maclear is a proud member of PolyReg Services GmbH SRO and adheres to all applicable Anti-Money Laundering (AML) and General Data Protection Regulation (GDPR) requirements.
The minimum investment amount on the Maclear platform is 50 EUR.
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 1โ2 business days. EU transfers usually arrive the next day; non-EU transfers may take longer.
No, our investors donโt pay any fees or commissions (0% fee). All costs are covered by Maclear โ so you keep 100% of your returns.
Investors earn monthly returns through interest payments from borrowers. Maclear offers annual returns ranging from 13.5% to 15.6%, with an average of 14.6% across all investments. Loan durations usually range from 12 to 16 months. Interest and principal repayments are made monthly, providing a steady income stream.
- 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 โ not the loan amount itself (the principal) - Principal Repayment: Refers to the return of the original amount of money that was invested
8lends is a decentralized crowdlending platform launched by Maclear, integrating blockchain technology to offer faster and higher-return investing opportunities. It allows investors to earn up to 25.0% annual returns with instant crypto payments in USDC, maintaining the same trust and security standards as Maclear.
To start investing: - Create an account - Complete verification (available only to EEA residents) - Deposit at least โฌ50 Not from the EEA? You can invest via 8lends โ our global crypto-based platform.
Once you reach the Beta loyalty level, you will receive an extra 1.5% return on all your future investments. This means that if the project/loan youโd like to invest in has a 14% interest rate, you will get 15.5% instead of 14%. The same goes for all other levels. Beta Plus +2%, Alpha +2,5%, Alpha Plus +3%.
1. Loyalty Bonus +3% to the Interest rate per annum on all future investments 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 โฌ30 on every โฌ500 invested 4. Welcome Bonus A โฌ15 welcome reward on your first investment within 7 days of registration