WOW Innovation
16%
Interest rate
- Funded
- 17%
- Loan period
- 14 month
Swiss-regulated P2P lending platform
- Invest in personal and business loans with returns up to 16.5%
- Earn passive monthly income
- Investment security at the level of Swiss financial standards
Maclear in Numbers
€141.8M+
Total Funded
51,388
Investors
€49.1M+
Repaid Total
1/0
Default / Late Loans
Why Invest in Loans With Maclear?
0%
- on deposits
- on investments
- on withdrawals
Zero Hidden Fees
What you invest is what you get to work with - no hidden charges. Our P2P lending platform earns from borrowers, not investors
€50
P2P Investment From Just €50
Peer-to-peer lending investments available to everyone. No need for large capital to access monthly income.
16.5%
Earn Up To 16.5% Annual Returns
Fixed interest rates with guaranteed monthly payouts when investing in loans. Receive your first interest payment in just 30 days
How Does P2P Lending and Investing Work?
Business Loan Applications
European companies and Loan Originators submit funding requests for their growth projects and equipment purchases through our online lending platform
Expert Review
Multi-stage due diligence by our financial experts ensures only quality projects and consumer loans advance
Regulatory Compliance
Swiss regulators verify each business for full European regulatory compliance before lending occurs
P2P Financing by Investors
Investors provide funding to their chosen verified projects, investing in personal and business loans from just €50
The Investment Result
For investors: Higher interest returns than traditional banking For Businesses: Fast capital without bank bureaucracy
Ready to get started?
Our Investors talk about us
Featured Investment Projects
They Talk About Us
Maclear AG is a P2P lending platform operating under Swiss regulations. It connects Swiss and EEA investors with EU-based companies engaged in manufacturing, retail and services, with demonstrated performance and looking for additional funding.
How does Maclear earn money? Maclear monetises itself primarily through a brokerage fee, which is charged to borrowers when a project is successfully financed. So far, no defaults have been reported, which speaks in favour of the platform's good risk management.
Maclear can be a good option for those looking for high profitability. In the current crowdlending market, there are few options to invest in business loans. So Maclear can be an interesting option to diversify our crowdlending portfolios with this type of loans.
Maclear has selected Grant Thornton as its auditor. Grant Thornton is one of the world's leading networks of independent audit, tax, and advisory firms. As part of the annual audit, checks are also made to determine whether the accounting is maintained correctly, whether the company is over-indebted, whether the company fulfills its documentation obligations, whether the organization of the member continues to ensure proper business operations, whether it has its risks under control, whether the member overall operates in compliance with the law and whether the continuing education obligations are fulfilled.
Maclear stands out for the quality and technical sophistication of its platform. Besides demonstrating the professionalism and high standards of its management team, their platform sets new benchmarks in the P2B lending space. The platform performs valuation and verification processes before listing any project and is also assigned the role of payment processing agent.
Maclear Blog
- 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.
Frequently Asked Questions
More Questions
Maclear is a regulated P2P lending platform connecting European companies and Loan Originators with investors for financing business and consumer loans. Our platform allows you to start investing in loans with minimal investment, creating a source of passive income.
Maclear AG is organized thoroughly following the Swiss financial market rules and regulations. According to the law, our company's activity is regulated, verified, and monitored by the SRO (Self-Regulated Organization membership). We proudly declare that we are a PolyReg Services GmbH SRO member and comply with all applicable AML and GDPR requirements, ensuring the security of your P2P investments.
To begin investing in business and consumer loans through our P2P platform: • Create an investor account on our platform • Confirm your registration via the link in the email • Complete our identity verification process • Transfer funds to your Maclear account • Choose loans to invest in, starting from just €50 All interest and principal payments will be deposited to your Maclear account from which you can either reinvest accumulated funds or withdraw them, effectively managing your peer-to-peer loan investing portfolio.
We accept bank transfers only to ensure the security of your loan investments. Please don't forget to fill in payment details. Your bank account name must match your Maclear investor account name. If the names do not match, the transfer will be rejected. Your funds are deposited within 1-3 working days. After your funds are added to your Maclear investor account, we will notify you by email.
The commission we earn is included in the rate for borrowers. Our P2P lending business model is focused on building long-term and strong relationships with investors and borrowers. Therefore, investors can count on no commission fees, and borrowers on timely financing of their projects.
Projects and consumer loans presented on our P2P platform have different financing periods, from 3 to 18 months. By investing funds for a period comfortable for you, you receive monthly loan payments, and the principal at the end of the investment term, making loan investing an excellent source of passive income.
Minimum investment amount on the Maclear platform is 50 EUR, making peer-to-peer investing accessible to everyone.
Our investing platform offers 4 loyalty bonus levels: • Beta - Once your total investment amount is over €5,000 you will receive an additional 1.5% return on all investments. • Beta Plus - Once your total investment amount is over 15,000 EUR, you will receive an additional 2% return on all investments. • Alpha - Once your total investment amount is over 40,000 EUR, you will receive an additional 2.5% return on all investments. • Alpha Plus - Once your total investment amount is over 75,000 EUR, you will receive an additional 3% return on all investments.
When you register on Maclear using a referral link or code, you will earn a 3% cashback bonus from each investment you make during the first 90 days after registration. Cashback bonuses will be paid to your account immediately after the project you have invested in is successfully funded, increasing your passive income.
At Maclear, we're always pushing boundaries. Now, we're expanding into Web3 with 8lends — a platform designed for faster and higher-return investing. What makes 8lends a good fit for you: • Higher APR: Earn up to 19.5% on your investments. • Safe as Always: Built with the same trust as Maclear. • Instant Crypto Payments: Seamless transactions in USDC. Diversify Smarter: • Maclear: Invest in Euros through traditional banking (slower but familiar). • 8lends: Invest in USDC (crypto) through blockchain (faster and more efficient). Explore both our P2P platforms to create a diversified investment portfolio and maximize your passive income.
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 €30 on every €500 invested 4. Welcome Bonus A €15 welcome reward on your first investment within 7 days of registration