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31,244+ investors
PolyReg SRO FINMA
PolyReg SRO · FINMA-supervised

Swiss-regulated P2P investment platform

Invest in vetted European business loans

Start Investing
Excellent4.8 out of 5★Trustpilot
Shield

Real collateral

on every loan

Calendar

Fixed monthly returns

interest paid every month

Arrow up

14.6% APY

target annual yield

Featured Investment Projects

Every project is individually vetted — collateral, financials, credit history

Since 2019, Romania

AgroPrime

Vertically integrated agricultural company specializing in grain storage, processing and export across Eastern Europe

Loan Amount€750,000
Term18 months
Yield (APR)15.2%
Reason of FundingDue Diligence

Expanding silo capacity and purchasing new drying equipment to handle the next harvest season and meet increased export demand from neighboring EU markets.

Since 2018, Bulgaria

JINTEKI

Processes, freezes and dries fruits and vegetables in a modern, fully equipped organic-focused production facility

Loan Amount€900,000
Term14 months
Yield (APR)14.9%
Reason of FundingDue Diligence

The company is expanding production and needs financing for new freezing equipment. This will help meet growing demand from retail and private-label clients and improve overall capacity.

Since 2006, Bulgaria

Datra Ltd

Supply, installation and maintenance of agricultural and food equipment

Loan Amount€950,000
Term12 months
Yield (APR)14.6%
Reason of FundingDue Diligence

Secured three contracts worth €5.45M and needs financing to purchase equipment for silage farm construction and processing lines. The loan helps them execute projects quickly and maintain strong profitability.

Maclear in Numbers

€86M+

Total Funded

€7M+

Total Interest Paid

31,240+

Investors

Safety
1,355+

funded projects

0

overdue loans

Delays compensated via Provision Fund

Liquidity
€1000+

secondary market volume

X

participants

Last
6 months

Investors Receiving Payouts

Number of investors who received interest payments each month

Full Statistics

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About Projects

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💵 Consumer Loans

3 easy steps
to earn with Maclear

Register

Create an account and verify your identity

First investment

Browse vetted business loans and invest from €50

Get Profit

Receive monthly interest payments directly to your investor account

Start Investing
Excellent
Trustpilot
Initial investment
€8,500
Investment period (years)
5
Loyalty Bonus?
0%
1.5%
2%
2.5%
3%
Future value in 5 years
€18,449
Average annual return14,6%
Earned return€9,949

Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.

Invest more. Earn more.

We redirect our marketing budget straight to your
account — not to ad platforms.

Welcome Bonus

€15

on your first investment

Invest €50 or more to unlock your welcome bonus

Referral program

3%

on every investment

Invite a friend, and you’ll both receive 3% of the total investment amount within the first 90 days of registration

500/30 Promotion

€30

per €500 invested in one project

Invest €500+ in a single project. Applies across multiple projects

Loyalty Program

UP
TO3%

additional annual return

The more you actively invest, the higher your loyalty level — and your additional return

We’ve thought about what happens if something goes wrong

Before you invest — and long after — two mechanisms work to protect your principal

Provision Fund

A reserve pool that covers interest payment delays while the situation with the borrower is being resolved

1.How it is funded

  • 2% commission from each financed project
  • 2.5% commission from sales on the secondary market

2.What it covers

Delays in interest payments — investors receive scheduled payments even if the borrower is temporarily not paying

3.What it does not cover

Full loss of capital in case of default — the Collateral Agent is designed for this

€1.6MCurrent
size

Collateral Agent

Maclear legally controls the collateral of every loan. In case of default, it is not the investor, but the platform that initiates recovery

1.How it works

  • Every loan is secured by real collateral
  • Maclear holds legal control over the collateral
  • In case of default: recovery → sale of collateral → proportional distribution of proceeds among investors

2.What it means for the investor

No need to go to court yourself. Maclear acts on behalf of all investors in the project

3.What is not guaranteed

Full capital return — the final amount depends on the collateral value at the time of sale. The process takes time

Learn More (FAQ)

Our Investors talk
about us

play

Maclear P2P Platform: Payment Protection & Monthly Interest

Spain
play

1 Year Experience — 100% Payment Reliability

France
play

3 Main Reasons to Choose Maclear P2P Platform

Spain
play

€44,000 Investment Portfolio — Real Dashboard Review

Germany
play

Multi-Platform P2P Investor: Swiss Platform

Greece
play

€24,000 Portfolio Performance

Spain
play

€13,000 Portfolio + Loyalty Program Guide

Great Britain
play

€20,000 Portfolio + €2,000 New Investment Demo

Spain
play

12 Months Experience — All Payments On Time

Germany
play

1 Year Investment Experience

Great Britain

Active
Investors

000+

last 12 months

Avg. Investor
Portfolio

€000+

average across active investors

Avg. Monthly Interest Payout

000+

per active investor per month

Maclear provides high-yield P2P business loans to EEA investors while adhering to Swiss regulations as a member of PolyReg SRO

With founders experienced in finance and rigorous project selection, it's an intriguing option for investors

The platform can be an exciting option for a targeted and high-interest investment.

They talk
about us

Maclear is a Swiss P2B marketplace where small businesses from various sectors offer individual and corporate investors the opportunity to fund their development projects. The investments benefit from guarantees and they are backed with collateral.

In Europe's evolving crowdlending landscape, a new generation of crowdlending solutions emerges and moves beyond simple investment marketplaces toward structured financing infrastructure. Maclear, a swiss-based platform, is one of the few players enabling efficient connections between private investors and SMEs.

The Maclear team works closely with active projects while sourcing new opportunities for investors. Beyond funding, Maclear supports local initiatives, empowers SMEs in emerging economies, and expands partnerships across Europe.

The platform's Provisioning Fund enhances investor security, and its detailed project information facilitates due diligence

Frequently asked questions

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