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Perfección de la inversión
en su máxima expresión

Nuestro equipo creó una plataforma de inversión P2P de próxima generación para usted. Dé el primer paso hoy para un mañana seguro

Our story

Back in 2019, when the pandemic hit the world, Alexander Lang and Denis Ustjev started to seek opportunities to support small and medium-sized businesses struggling to stay afloat and needing additional financing during such an unstable time. With extensive experience in investing, business consulting, and project development, they united around a shared vision: creating a crowdlending platform that would be transparent, user-friendly, and well-regulated. Their goal was to connect Swiss and EU investors with a diverse range of EU-based businesses in need of additional financing, offering an efficient and accessible alternative to conventional bank loans.

In 2020, they turned this vision into reality by acquiring Maclear AG, a company previously focused on developing complex GRC software solutions. Under their leadership, Maclear was reprofiled into a new venture, supported by a growing team of highly skilled professionals with years of experience. Our journey began with the first fundraising campaign in August 2023. Maclear started working with business projects in the Baltic countries.

Through time and teamwork, we have successfully expanded our reach to neighboring EU countries, offering a wider range of opportunities to our investors.Today, Maclear stands as a reliable P2P lending platform powered by complex and unique software, including built-in risk assessment tools and a robust scoring model. As a Swiss-based company, we operate under Swiss financial regulations and legislation.

Maclear AG is also a proud member of PolyReg SRO, regulated and monitored by Swiss financial authorities. This status enables us to act as a financial intermediary in the non-banking sector both within and from Switzerland. Swiss regulation imposes stringent standards on Compliance, AML, KYC, GDPR, and related areas. These norms prioritize investor protection and ensure awareness of both existing and potential risks.

Denis Ustjev, one of the co-founders, brings valuable expertise from his extensive background in business consulting, capital investment, business loans management, and senior management roles in multinational companies. His diverse experience across Estonia, Azerbaijan, and the United States has taught him practical financial knowledge in various cultural and geographical contexts.

The second co-founder, Aleksandr Lang, is critical in project selection, leveraging his expertise in foreign trade and industrial projects. Denis and Aleksandr draw upon their connections and networks, particularly in Estonia, to evaluate projects for potential listing on the platform.

Alexej Martin, the third director, contributes relevant banking experience as a relationship manager at MBaer Bank, CH, as a secondary AML/Compliance Officer. This reinforces the company’s commitment to a comprehensive and transparent approach.

The Maclear AG team combines its expertise, networks, and stringent risk assessment processes to create a reputable and reliable crowdlending platform that benefits investors and borrowers.

Market research

Due to several advantages, Switzerland was chosen as the jurisdiction for Maclear AG's crowdfunding activity. The country's strong and stable financial system and its regulatory framework for financial intermediaries provide investor protection and ensure transparency.

Switzerland's reputation for reliability and adherence to high regulatory standards enhances the credibility of crowdlending platforms operating within its jurisdiction. Additionally, the country's strong legal system, international connectivity, and access to capital make it an attractive choice for crowd-lending activities.

Maclear launch

In 2022 we created the Maclear platform.

As a result of knowledge and skills accumulated over the years, we have created an advanced p2p-lending Platform for safely investing in various business projects, start-ups, and innovative ideas.

All borrowers undergo a thorough check of their business and financial models, owners and management structure, current capitalization, and business processes transparency.

Maclear platform embodies years of our experience in administering complex projects, risk management, and implementation of efficient compliance.

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Maclear, a tu manera
a la estabilidad

Nuestros inversores han elegido Maclear por sus procedimientos sin riesgos, su sólida seguridad financiera, sus rentables programas de recomendación y fidelización, su plataforma fácil de usar y su alta rentabilidad. Conviértase en inversor en Maclear hoy mismo
01
Olvídate de los retrasos en los pagos. Con Maclear, siempre obtendrá sus ganancias a tiempo
02
Cada proyecto es monitoreado cuidadosamente hasta que se reembolse el principal
03
Tenemos experiencia en la industria FinTech y sabemos lo que necesitan nuestros clientes
04
Maclear utiliza un sistema de evaluación de riesgos patentado para todas las solicitudes de inversión

Regulación suiza

Maclear AG es una plataforma de préstamos p2p organizada minuciosamente siguiendo las normas y regulaciones del mercado financiero suizo. De acuerdo con la ley, nuestra empresa está regulada, verificada y supervisada por la SRO (organización autorregulada). Declaramos con orgullo que somos un PolyReg Services GmbH Es miembro de SRO y cumple con todos los requisitos de AML y GDPR aplicables.
Las SRO en Suiza establecen altos estándares profesionales para sus miembros, garantizando que los empleados posean la experiencia necesaria para operar de manera efectiva en el sector financiero no bancario. Las empresas de crowdlending reguladas por una SRO se benefician de la credibilidad y la supervisión que proporciona la SRO, que garantiza el cumplimiento de las normas del sector y lleva a cabo auditorías.
La empresa se sometió a una auditoría exitosa en abril de 2023 por Grant Thornton AG in November 2024.. Esta auditoría validó la preparación de Maclear AG para las actividades de préstamos colectivos y su estricto cumplimiento de las normas suizas contra la AMLA.

Maclear AG cumple con todas las directrices del RGPD (Reglamento general de protección de datos), KYC (conozca a su cliente) y AML (lucha contra el blanqueo de dinero). Para garantizar el cumplimiento, nos hemos asociado con un proveedor global de verificación de identidad.Sumsub.
Invierta ahora

Equipo

Denis Ustjev
CEO y cofundador
Francia
Alexander Lang
CFO y cofundador
Francia
Alexei Martin
Director de la oficina secundaria de AMLA
Alemania
Simón Brauchli
Contador jefe
Suiza

Creamos Maclear
para ti

Misión
Brindamos proyectos de inversión cuidadosamente seleccionados y un servicio excepcional que, en conjunto, brindan la forma más eficiente y confiable de conectar a los inversores con un negocio real, proyectos comerciales en crecimiento y desarrollo, ideas innovadoras y nuevas empresas con perspectivas.
Visión
En un período de crisis y pandemias permanentes, permitimos a nuestros inversores obtener una rentabilidad de hasta el 14,9% de los fondos invertidos. MacLear permite que una posible empresa prospere con altos estándares de servicio y la máxima protección para todas las partes involucradas.
Aplicación empresarial
Maclear AG ofrece una plataforma de varios niveles en la que los inversores acceden a oportunidades internacionales diversificadas y comprobadas con umbrales de entrada bajos y total transparencia. Los prestatarios pueden obtener financiación rápidamente en condiciones favorables para hacer crecer sus negocios. Al operar bajo la jurisdicción suiza y regulados por una SRO, inspiramos confianza a través de los sólidos estándares de integridad financiera y protección de los inversores de Suiza.