WOW Innovation
16%
Interest rate
- Funded
- 17%
- Loan period
- 14 month
Swiss-regulated crowdfunding investment platform
- 16.5% returns on P2P investments
- Passive income from SME crowdfunding
- Stable monthly payouts
Maclear in Numbers
€144.1M+
Total Funded
52,459
Investors
€50.2M+
Repaid Total
1/0
Default / Late Loans
Why Invest On Our P2P Lending Platform?
0%
- on deposits
- on investments
- on withdrawals
Zero Hidden Fees
Our crowdfunding investment site operates with full transparency - what you invest is what you get to work with, no hidden charges.
€50
Start P2P Crowdfunding From Just €50
Begin your passive investment journey with minimal capital. Access our SME crowdfunding opportunities and monthly income with as little as €50.
16.5%
Earn Up To 16.5% Annually Through P2P Lending
Fixed interest rates on our Swiss crowdfunding platform with guaranteed monthly payouts. Experience passive income with your first interest payment in just 30 days.
How Our Crowdfunding Platform Works
Business Application
European SMEs submit funding requests to our P2P lending platform for their growth projects and equipment purchases
Expert Review
Multi-stage due diligence by our Swiss financial experts ensures only quality projects advance on our crowdfunding investment site
Regulatory Compliance
Swiss regulators verify each business for full European regulatory compliance, ensuring secure P2P investments
Financing by Investors
Investors provide funding to their chosen verified projects on our crowdfunding platform, starting from just €50
The Result
For our investors: Generate passive income with significantly higher returns than traditional banking through P2P crowdfunding. For Businesses: Fast capital without bank bureaucracy.
Ready to get started?
Our Investors talk about us
Featured Investment Projects
They Talk About Us
Maclear crowdfunding platform connects investors with EU-based manufacturing, retail, and service businesses. It prioritises security, offering a provision fund for investor protection
So far, no defaults have been reported, which speaks in favour of the platform's good risk management. Investors can access their funds quicker by selling their loans on the secondary market
The platform's Provisioning Fund enhances investor security, and its detailed project information facilitates due diligence
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
Maclear Blog
- 26.08.2026
Alternative investments for small investors: beyond stocks and funds
For decades, building an investment portfolio seemed to come down mainly to a mix of stocks, bonds and investment funds; today, by contrast, small investors have access to far more alternatives.
- 25.08.2026
Passive income: how to build multiple income streams with little capital
The idea of earning money without directly trading time for it appeals to many people. Yet the concept of passive income often creates unrealistic expectations.
- 24.08.2026
Investments That Pay Every Month: How to Generate Monthly Income
Turning your savings into income that arrives every month? The idea appeals to more and more individuals, and understandably so: between inflation eating away at purchasing power and regulated savings accounts offering more than modest returns, looking for an investment that pays every month has become a reflex for building extra income, preparing for retirement and gaining financial independence. The good news: solutions exist, from the safest to the most rewarding. The less good news: very few investments actually pay out money each month, and some articles keep the confusion alive. In this guide, I review 9 investments with full transparency, clearly separating those that generate a genuine monthly cash flow from those that merely rebuild a regular income.
Frequently Asked Questions
More Questions
Maclear is a Swiss-regulated crowdfunding investment platform connecting European companies and Loan Originators with investors for financing business and consumer loans. Our P2P lending platform allows you to start investing with minimal capital, creating a source of passive income.
Maclear AG operates in full compliance with Swiss financial market rules and regulations. According to Swiss law, our crowdfunding site'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 crowdfunding investments through our platform: 1. Create an investor account on our P2P lending site 2. Confirm your registration via the link in the email 3. Complete our identity verification process 4. Transfer funds to your Maclear account 5. Choose projects 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 crowdfunding investment portfolio.
We accept bank transfers only to ensure the security of your 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 crowdfunding platform business model is focused on building long-term relationships with investors and SMEs. Therefore, investors can count on no commission fees, and borrowers on timely financing of their projects.
Projects and consumer loans presented on our P2P investment platform have different financing periods, from 3 to 18 months. By investing funds for a period comfortable for you, you receive monthly payouts, and the principal at the end of the investment term, making our crowdfunding site an excellent source of passive income.
Minimum investment amount on the Maclear P2P platform is €50, making crowdfunding investing accessible to everyone.
Our P2P investment 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, you will receive an additional 2% return on all investments. • Alpha - Once your total investment amount is over €40,000, you will receive an additional 2.5% return on all investments. • Alpha Plus - Once your total investment amount is over €75,000, you will receive an additional 3% return on all investments.
When you register on our Swiss crowdfunding platform 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 potential.
At Maclear, we're always pushing boundaries. Now, we're expanding into Web3 with 8lends — a platform designed for faster and higher-return P2P investing. What makes 8lends a good fit for you: • Higher APR: Earn up to 19.5% on your P2P investments. • Safe as Always: Built with the same Swiss quality standards as Maclear. • Instant Crypto Payments: Seamless transactions in USDC. Diversify Smarter: • Maclear: Invest in Euros through our regulated crowdfunding platform (traditional banking). • 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