Maclear blogs
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- 06.11.2026
How Is an Assurance-Vie Withdrawal Taxed in France?
You have held a French life-insurance savings contract (assurance-vie) for a few years, and you are about to withdraw part of your savings. Home renovations, a down payment on a purchase, a helping hand for a child: whatever the reason, one question always comes up. How much will the tax authorities take? Between the French flat tax on investment income (PFU), the French tax allowance (abattement) after eight years, the €150,000 threshold and the French social charges on investment income (prélèvements sociaux), the taxation of assurance-vie has a reputation for being a headache. It is, a little. But once you understand the logic, the calculation becomes almost simple. Here we explain what you actually pay on a withdrawal in 2026, with worked examples to back it up.
- 06.11.2026
Inheritance Tax in France: What You Keep and How to Invest It
A loved one passes away, and along with the grief come paperwork, a French notary, a legal professional who handles estates and property transactions (notaire), and deadlines. Then comes a question you may not always dare to ask out loud: how much will be left once the tax authorities have taken their share? The rate schedule shows rates of up to 45%, or even 60%, which is enough to worry anyone. But the rate on the schedule is almost never the rate you will actually pay. In this article, we explain how French inheritance tax (droits de succession) is calculated in 2026, we work out what you actually keep in four common situations, and then we give you the broad outlines for investing that money with peace of mind.
- 05.11.2026
Term Deposit or Crowdlending: Which Should You Choose for Your Savings in France in 2026?
French fixed-term deposit accounts (compte à terme, CAT) are back in bank windows. After two ECB rate hikes since June, some offers now advertise up to 4% gross, enough to tempt savers who are tired of a French tax-free, government-regulated savings account (Livret A) paying 1.70%. On the other side, crowdlending touts double-digit rates. On paper, the contest looks decided before it starts. Except that these two investments play completely different roles: one protects your capital, the other puts it to work by exposing it to risk. Let's compare them point by point (net return, risk, liquidity, taxation) using figures from fall 2026, so you can see which one suits your money… or how to make them work side by side.
- 05.11.2026
Buying Private Debt in France: How Can You Invest If You're Not an Institutional Investor?
For decades, private debt was a closed club. Insurers, pension funds, family offices: they alone lent directly to companies, with six-figure tickets and capital locked up for years. You, the individual saver, only heard about it in annual reports. In recent years, the rules have changed. European ELTIF funds have opened up to individuals, the French Green Industry Act (loi Industrie verte) is pushing unlisted assets into French life-insurance savings contracts (assurance-vie), and crowdlending lets you lend to SMEs with just a few dozen euros. The catch? These entry points are not equal at all: ticket size, fees, liquidity and taxation vary enormously from one to the next. Let's review them one by one, with 2026 figures, so you can find out which one fits your situation.
- 04.11.2026
Maclear Investor Update: October 2026 Highlights
Inside Maclear’s October 2026 figures: €12.91M invested across 17 projects, 5,022 active investors, and €7.06M returned in principal and interest as 112 projects repaid principal.
- 03.11.2026
Why a Borrower's Busy Season Should Shape Loan Repayment
A seasonal business may collect much of its income within a few months, while expenses continue throughout the year. Its loan schedule needs to reflect that pattern. Even a profitable company can struggle with a maturity date that falls before customers pay or after the previous season’s cash has been spent.
- 02.11.2026
Why Crowdlending Loans Need an Independent Collateral Agent
A crowdlending loan may be funded by hundreds of investors, making separate administration of their collateral rights difficult. A collateral agent holds and administers the security for the group, acts under agreed enforcement powers and arranges the distribution of recoveries. Each investor retains a claim against the borrower without having to manage the pledge personally.
- 30.10.2026
What Happens When a Crowdlending Project Is Underfunded
When a crowdlending project misses its funding target, the offering’s terms determine what happens to investors’ money. An all-or-nothing round is cancelled if the required target is missed. Partial funding may allow a smaller loan to proceed once a minimum threshold is reached, but the borrower must still have enough money to carry out a viable plan.
- 30.10.2026
What Currency Should You Measure Your Investment Return In?
An investment may involve three currencies: the one stated in the loan agreement, the one held in your platform account and the one you spend. A fixed rate applies in the loan’s currency. Your result in spending money depends on the conversions along the way, even if every payment arrives as agreed.
- 29.10.2026
Twenty Loans in One Sector Can Behave Like a Single Loan
A portfolio spread across many loans and countries can still carry a third form of concentration: dependence on one industry. When borrowing costs rise or operating conditions change, several borrowers may struggle together. Twenty contracts can leave an investor exposed to the same event, even when each borrower looked creditworthy at funding.
- 28.10.2026
Reading a P2P Platform Report: What the Numbers Really Mean
A platform report tells two stories: how much the business has grown and how well its borrowers are repaying. Those stories can move in opposite directions. Cumulative funding can rise while repayment performance weakens, and a falling default percentage can reflect a larger denominator rather than better loans.
- 28.10.2026
Personal Guarantees: What Backs a Loan Beyond Collateral
A personal guarantee gives a lender a potential claim against an individual when a business fails to pay. Collateral provides rights over an identified asset. The guarantee’s financial value depends on what the person could actually contribute after other creditors’ rights, legal protections and enforcement costs have been taken into account.
- 27.10.2026
Loan Covenants: The Early-Warning System Before a Default
A loan covenant is a condition the borrower agrees to meet beyond making scheduled payments. It may require regular accounts, insurance or limits on further borrowing. Checking these conditions can reveal problems while payments are still arriving, giving the lender time to investigate before the business runs short of repayment cash.
- 26.10.2026
Investing as a Company: What Actually Changes in Practice
Investing through a company changes who signs the documents, who holds the investment claim and who records the income. The borrower’s obligations under the same loan remain unchanged. Payments belong to the company, and making that money available to its owner personally requires a separate transaction with its own accounting and possible tax consequences.
- 26.10.2026
A Second Loan From the Same Borrower Is Not the Same Signal Twice
A borrower who has fully repaid a loan gives a retail lender a completed payment record to examine. That is strong evidence, but it belongs to a particular obligation. A second loan may be larger, run longer or fund a different activity. Refinancing debt that remains outstanding is a separate transaction again.
- 23.10.2026
How to Read a Loan Listing Before You Look at the Interest Rate
Read a loan listing in this order: purpose, source of repayment, collateral coverage, term and payment schedule, then the rate. The first four explain what must happen for your money to return. The rate only becomes useful once you understand those conditions; it cannot fill gaps in the borrower’s repayment story.
- 23.10.2026
A Single Rate Number Is Not Enough to Compare Two Offers
Two offers with the same headline rate can pay different amounts because the balance, compounding, deductions, exit terms, and rate duration differ. Eligibility conditions matter too. Six questions establish what you could earn; for a loan claim, a seventh asks whether the borrower can repay the money in the first place.
- 22.10.2026
When a Payment Is Late but the Loan Is Not Yet in Default
A late payment and a loan marked in default are not the same thing. “Late” means a scheduled payment has not arrived when due; “default” is a separate classification under the applicable terms. Between those points, investors can follow updates but usually cannot make the borrower pay or determine the outcome.
- 22.10.2026
Interest Rate Risk in Private Debt: Refinancing Effects
How interest rate rises and falls affect refinancing, returns and credit risk in private debt loans, with a worked refinancing example and FAQ.
- 21.10.2026
When a Borrower Repays Early: What Happens to Your Return
When a borrower repays a loan early, your principal comes back sooner, but interest accrues only for the time the money was used. The income expected for the remaining term never materializes. You then need to decide what to do with the returned capital, possibly under different market conditions.
- 21.10.2026
Supplementary Income: Which Investments Pay Out Monthly
Crowdlending, SCPIs, rent, annuities: the investments that pay monthly supplementary income net of tax, with the capital needed for €500 or €1,000.
- 20.10.2026
What a Deposit Guarantee Scheme Covers and What It Does Not
A deposit guarantee scheme protects eligible deposits when a bank cannot repay them and the required official trigger occurs. It does not compensate for falling interest rates or inflation. Coverage is generally calculated per eligible depositor at each bank, rather than separately for every account, and depends on the product and national rules.
- 20.10.2026
Pension Plan or Crowdlending: Which Option Fits You Best?
Compare a Spanish pension plan and crowdlending on taxation, liquidity, potential return and risk, with practical examples to help you decide what fits.
- 19.10.2026
Halloween Boost: Unlock Up to +2.5 Percentage Points on Your Investments
From 24 October to 10 November 2026, Halloween Boost adds up to +2.5 percentage points to the annual interest rate on eligible Maclear investments, with double progress during Witching Hour on 31 October.
- 19.10.2026
AutoInvest update: Project Cap and Voucher Queue explained
AutoInvest on Maclear now has Project Cap, a maximum combined amount per project for each strategy, and Voucher Queue, which applies selected vouchers to new investments one at a time, in queue order.
- 18.10.2026
Best Investments for 2027: Risk, Interest Rates and Costs
What changes in 2027 for accounts, bonds, stocks, index funds, real estate, gold and crowdlending: inflation, interest rates, costs and taxation.
- 17.10.2026
Corporate Bonds or SME Loans: The Differences Explained
Corporate bond or SME loan: why a company picks one over the other, and what it means for your yield, risk, liquidity and taxes as an investor.
- 16.10.2026
Why Two Banks Pay Different Interest Rates on the Same Deposit
Two banks in the same country can pay different rates on the same type of deposit because their funding needs and customer bases differ. One may already hold substantial low-cost current-account balances; another may need a higher deposit rate to attract money. Promotional terms can widen the gap without making either offer inherently better.
- 16.10.2026
Safe Investments: Understanding the Investment Risk Scale
Learn what a safe investment really means: six risk types, a 7-level risk scale, and how to check the real risk of a product before investing.
- 15.10.2026
Form 720 and foreign platforms: do crowdlending investments have to be declared?
Investing through a foreign platform can raise tax questions among investors resident in Spain. One of the most common is whether money invested in P2P loans or crowdlending must be included in the Modelo 720, the informative declaration on assets and rights located abroad.
- 15.10.2026
Treasury bills or crowdlending: which option may fit your portfolio better?
When an investor looks for alternatives to place their money in the short or medium term, Treasury Bills and crowdlending may appear among the available options. However, although both allow a return to be obtained on the capital invested, they work in very different ways.
- 15.10.2026
Your Regulated Savings Account Is Full: What Comes Next
A regulated savings account caps how much you can deposit; past that limit, its administered rate, tax exemption and instant access no longer come as one package for new money placed elsewhere. Answering “what to do when savings account is full” means comparing those properties separately, rather than seeking an identical replacement.
- 14.10.2026
Where to Invest 10,000 Euros in 2027: Three Allocations
Three ways to split €10,000 by risk profile, a compound-interest table for 1, 5 and 10 years, and where crowdlending with Maclear fits in a portfolio.
- 14.10.2026
Compound interest in crowdlending: how it works and how to use reinvestment
Compound interest is one of the most important concepts for understanding how an investment can grow over the long term. It works in a simple way: the interest generated is reinvested and begins to generate further interest.
- 14.10.2026
Tax-Advantaged Wrappers and Income From a Foreign Platform
A tax-advantaged wrapper separates contribution relief, tax treatment of investments inside it and access to money. Foreign peer-to-peer (P2P) lending income earned outside an eligible wrapper retains its own tax treatment. A pension-style wrapper may exchange contribution relief for restricted access; transferring the proceeds into it does not retrospectively shelter the original income.
- 13.10.2026
Money Market Funds or Short-Term P2P: Differences, Risks and Returns
When an investor wants to hold money for a relatively short period, they can find various alternatives for obtaining a return without committing to a long investment horizon.
- 13.10.2026
One Payout at Maturity or Cash Every Month: What Changes
A short-term discount treasury instrument bought below face value pays that face value in one sum at maturity; the difference is fixed at purchase, subject to payment by the issuer. A loan claim with scheduled payments provides cash earlier if the borrower pays, but each receipt brings another decision about using or reinvesting it.
- 12.10.2026
Why a Solvent Business Still Borrows Above Bank Interest Rates
A solvent business may deliberately pay more than a bank rate because timing, collateral requirements, loan restrictions, or deal size make another lender a better fit. Its existing bank line may also be committed elsewhere. These five reasons can explain the choice, but investors must distinguish commercial convenience from financial trouble.
- 12.10.2026
Savings account or crowdlending: where might it make more sense to invest your money?
When looking for an alternative to earn a return on available money, an interest-bearing account and crowdlending may appear to be comparable options. Both make it possible to generate income on capital that would otherwise remain unused.
- 10.10.2026
Inflation-Linked or Fixed Rate: Which Protects Real Returns
An inflation-linked instrument adjusts its nominal cash flows with a price index, reducing uncertainty about purchasing power under its terms. A fixed-rate loan claim fixes its contractual nominal rate at entry, leaving purchasing power dependent on inflation over the holding period. The distinction concerns rate structure, not a promise of positive real returns.
- 09.10.2026
Owning the Building or Lending Against It: Who Does the Work
Owning a rental property and lending against it are different roles in the same asset. The owner deals with tenants, vacancy, repairs, and property expenses in exchange for rent and potential appreciation. A secured lender avoids those operating responsibilities, but earns only the agreed interest and receives no share of the property’s growth.
- 09.10.2026
How Many Loans Before One Default Stops Hurting Your Return
Using Maclear’s 15.01% annual loan-book rate, not portfolio return, seven equal positions make one full principal loss smaller than scheduled annual interest (based on Maclear internal data, snapshot 03.09.2026). With 70% recovery, two suffice: assumption, not a measured recovery rate. This benchmark includes the defaulted position’s scheduled interest; lost interest changes the threshold.
- 08.10.2026
Government Savings Certificates or a Loan Claim: Who Owes You
A government savings certificate and a loan claim have different debtors: the certificate is owed by a national government, drawing on public revenues and borrowing; the claim is owed by a small business, drawing mainly on operating cash flow. Understanding those payment sources comes before comparing rates, capital protection or the ways to leave early.
- 08.10.2026
Interest Arrives as Dozens of Small Payments, Not One Sum
Maclear recorded 296,379 interest payments in August 2026, averaging approximately €4.78 and ranging from €0.13 to €880.60 (based on Maclear internal data, August 2026). Each loan follows its borrower’s repayment schedule, so an investor holding multiple claims can receive many small credits across the month rather than one combined payment.
- 07.10.2026
From Signing Up to Your First Loan: What Each Step Unlocks
Maclear’s supplied snapshot records 52,449 registered accounts, 27,269 identity-verified users and 19,100 with confirmed addresses and signed Form A (based on Maclear internal data, August 2026). Registration alone does not permit investing. Published guidance distinguishes identity checks, Proof of Address before the first investment, and Form A afterward for full access.
- 07.10.2026
How Many Loans Actually Take Money Each Month on Maclear
In August 2026, 155 Maclear projects took investor money, within a reported annual range of 97 to 187 projects per month (based on Maclear internal data, August 2026). These figures describe monthly funding activity, not loans available today. Placing money depends on suitable projects accepting investments, as well as your balance.
- 06.10.2026
A Higher Credit Grade Does Not Mean a Lower Interest Rate
Across the supplied sample of 1,945 Maclear projects, average loan rates run from 14.20% for AAA to 15.20% for A (based on Maclear internal data, September 2026). The larger differences appear in debt-to-equity and loan-to-collateral ratios. These describe structural exposures; the sample does not establish a measured likelihood of repayment failure or a causal pricing rule.
- 06.10.2026
Fixed-Term Deposit or Loan Claim: What a Locked Term Means
A fixed-term deposit’s locked term is a contract condition with a bank; early withdrawal depends on that contract and may cost interest. A loan claim’s locked term follows a borrower’s repayment schedule. For eligible Maclear claims, the only investor-initiated early exit is a Secondary Market sale, which depends on finding a buyer.
- 06.10.2026
Maclear in 2026 so far: nine months of platform data
Nine monthly investor updates on one timeline: €93,196,665 deployed, €63,057,380 deposited and €37,242,477 returned to investors between January and September 2026, with deployment stepping up in July and repayments turning structural in June.
- 05.10.2026
Your Platform Issues No Tax Certificate: What to Collect
If your platform provides no tax certificate prepared for your home tax system, you need to assemble the supporting records yourself. Start with interest received, evidence of any tax withheld, and year-end positions where required. A platform report can help, but you must check what your own tax authority accepts.
- 05.10.2026
Issued in Windows or Available Every Day: Two Ways to Lend
A retail government bond offered through a subscription window has a defined entry period and shared issue terms. Money arriving after the deadline cannot join that original offer. A continuously operating loan platform allows more frequent entry opportunities, but each available loan has its own terms and still needs individual assessment.
- 03.10.2026
Why a Freistellungsauftrag Doesn't Cover a Foreign Platform
A Freistellungsauftrag instructs an institution handling German tax withholding to apply your available Sparer-Pauschbetrag at source. It has no effect on a foreign P2P platform outside that withholding system. Foreign interest can still benefit from the Sparer-Pauschbetrag through your annual return, subject to the allowance remaining after your other capital income.
- 03.10.2026
Maclear in September against August 2026: what changed month on month
September 2026 beat August on every flow metric on Maclear: €13.05M invested against €11.02M, €9,183,738 deposited against €7,677,150, and €6,737,590 repaid against €4,857,950 — while new investor sign-ups fell 19.4%.
- 02.10.2026
Declaring Foreign Lending Interest in Romania: Declarația Unică
A Romanian tax resident receiving taxable foreign P2P lending interest must declare it through Declarația Unică when the platform makes no withholding. Unlike interest on a domestic bank deposit, the investor reports the foreign income to ANAF directly. Health insurance contributions may also apply, depending on the relevant annual income and personal circumstances.
- 02.10.2026
Maclear Investor Update: September 2026 Highlights
Inside Maclear’s September 2026 figures: €13.05M invested across 16 projects, 3,794 active investors, and €6.74M returned in principal and interest as 102 projects repaid principal.
- 01.10.2026
Fixed income vs. private debt: differences every investor should know
When an investor seeks to generate income through interest, it is common to think first of deposits, bonds or fixed-income funds. However, in recent years private debt has gained prominence as an additional alternative within the universe of fixed income and credit.
- 30.09.2026
How much money do you need to start investing in P2P lending?
Investing in P2P lending may seem like an option reserved for people with substantial wealth. However, one of the features that has driven the growth of this model is precisely the possibility of accessing private loans with relatively small amounts.
- 30.09.2026
SCPI or crowdlending: which investment for regular income?
You're looking for an investment that pays you additional income, without managing tenants or watching the stock market every morning. Two solutions keep coming up in your research: SCPI and crowdlending. The former distribute rents, the latter interest. On paper, they do the same job, but in practice, minimum investment, payment frequency, taxation and the ability to get your money back have almost nothing in common! We suggest comparing them point by point, with 2026 figures, to find out which one fits your situation… or whether it is better to combine the two.
- 29.09.2026
Auto-invest in P2P lending: how to automate your portfolio without losing control
Investing in P2P lending can be a way to diversify a portfolio and generate income through interest, but manually managing each new opportunity can become increasingly laborious as the invested capital grows.
- 29.09.2026
What is the best short-term investment in 2026?
A property sale that has just gone through, a bonus paid at year-end, an inheritance waiting to be allocated to a real project… In all these cases, the same question comes up: where to put this money in the meantime, without locking it up for fifteen years and without leaving it idle in a current account that earns nothing? We answer here with a full comparison of the solutions available in 2026: regulated savings accounts, term deposits, money market funds, and a lesser-known option, participatory lending. The aim is to give you what you need to choose according to your horizon and your risk tolerance, without promises or shortcuts. Let's get started.
- 28.09.2026
Maclear projects map: breaking down the full cycle from Open to Funded and Repaid
Maclear has listed 2,238 borrowing projects in 17 countries, from Finland to Malta and from the United Kingdom to Kenya. We went through every one of them since launch and mapped where the projects come from, how fast investors fund them, and how they come back as repaid loans.
- 25.09.2026
How to Start Investing in Crowdlending with Little Money: A Beginner's Guide
A beginner's guide: how much is needed to start in crowdlending, how to diversify from the first investment, what to check in each project, and when it makes sense to automate with AutoInvest.
- 25.09.2026
P2P Lending vs. Bank Deposits: Differences, Returns and Risks
Bank deposits and P2P lending compensate capital in different ways. A comparison of returns, liquidity, protection and credit exposure, and the role each option can play within a portfolio.
- 25.09.2026
Secondary Market in P2P Lending: What It Is and How It Works
The secondary market lets investors trade existing loan positions. How it works, what to check before buying, and the conditions Maclear applies: €30 minimum, discounts of up to 50%, and a 2.5% seller fee.
- 25.09.2026
Real estate crowdfunding vs SME crowdlending: who repays
Two models with similar headline terms behave differently during the loan: a development loan depends on a future sale or refinancing, an SME loan on scheduled payments from operating cash flow.
- 24.09.2026
Quadro RW: Italian tax rules for foreign lending interest
An Italian resident using a foreign platform has two separate obligations: declaring the interest income and monitoring the foreign asset through Quadro RW, with IVAFE where it applies.
- 24.09.2026
Maclear's Trustpilot reviews and ratings: how they are verified
Maclear holds a 4.6 TrustScore across 971 Trustpilot reviews. How invited and unprompted reviews reach the profile, how negative reviews are handled, and what the CrowdIndex advertising relationship is.
- 24.09.2026
Maclear project performance: repayment records and company filings
A loan's repayment status and a borrower's later business performance measure different things. Six funded companies compared against their most recent registry filings, plus how Maclear monitors borrowers after funding.
- 24.09.2026
Swiss AML self-regulation for P2P crowdlending: what the PolyReg audit checks
PolyReg SRO membership means a recurring independent AML audit. What Grant Thornton verified in the 2025 audit of Maclear, what the framework does not cover, and how it compares with an EU MiFID II investment-firm licence.
- 23.09.2026
Automatic exchange of information: does your tax office know?
Under the OECD Common Reporting Standard, financial intermediaries report account data to their own tax authority, which can exchange it with the investor's country of residence. What is shared and what is not.
- 23.09.2026
Declaring foreign lending interest in Portugal: Anexo J
A Portuguese resident declares foreign P2P interest as Category E income in Anexo J of the Modelo 3 return. What counts as interest, how the autonomous rate and aggregation compare, and what double-taxation relief requires.
- 23.09.2026
Maclear's CCO Meets Invant APPs Face-to-Face in Madrid: Inside Look at Regulation, Audits and Investor Trust
Iván Marchena, CCO of Maclear and 8lends and the company's public-facing voice, travelled to Spain for the first time to record a second, in-person episode with Antonio Hernández Mora — the voice behind Invant APPs, one of the most trusted channels for European P2P investors.We're grateful for the invitation. Antonio has built one of the largest and most engaged P2P investor communities in Europe, and an invitation to speak openly to that audience is a genuine opportunity for Maclear to be heard directly by the people who matter most: our investors.
- 22.09.2026
Poland tax on foreign P2P interest: who files what and when
Polish banks withhold tax at source; foreign P2P platforms generally do not. What the investor has to calculate, which exchange-rate date applies and what to export from the platform before filing.
- 21.09.2026
How to declare foreign P2P interest in Germany: Anlage KAP
A German tax resident reports foreign P2P interest in Anlage KAP because the platform withholds no Kapitalertragsteuer. How to read a platform statement, convert non-euro payments and treat default losses.
- 21.09.2026
RPS Rewards: Play Daily and Unlock Promotional Rewards
RPS Rewards is a 14-day Maclear campaign with one free Rock Paper Scissors pick per day. Wins build a Win Counter, and each milestone unlocks a promotional reward such as a Cashback Boost, Invest Credit or Voucher.
- 18.09.2026
What to do with a large participation bonus?
Your company has just announced the amount of your participation bonus, and the figure is well above what you expected. Good news, except that you now have to decide what to do with it, and quickly: you only have 15 days to make your choice. Between receiving it right away, leaving it in the company savings plan or withdrawing part of it to invest elsewhere, each option has its own rules, its own tax treatment and its own pitfalls. We break down the three possible routes, with up-to-date 2026 figures, so you can make an informed decision.
- 18.09.2026
Investment liquidity: understanding the Secondary Market and early exit
When you compare two investments, two figures spontaneously come to mind: the expected return and the risk of loss. A third one is missing, and it is the one that hurts most when it has been overlooked: liquidity. Two vehicles may post the same annual performance, but if one can be sold within a few hours and the other takes several months, you are not holding the same asset at all. The question never arises as long as everything is going well. It becomes central the day a project speeds up, an opportunity arises, or you simply wish to rebalance your allocation. This guide gives you a method: understanding what liquidity actually covers, mapping the profile of each asset class, grasping how a secondary market works, and calculating what an early exit really costs.
- 17.09.2026
What to Check Before Investing in a P2P Loan: 8 Key Factors
Investing in a P2P loan may seem simple: select a deal, contribute capital and wait to receive the corresponding payments.
- 17.09.2026
How to choose a safe P2P lending platform: a due diligence checklist
Choosing a P2P lending platform is one of the most important decisions an investor must make before making their first investment.
- 17.09.2026
SME financing: how crowdlending complements bank credit
According to data from the Banque de France's Service central des risques cited by Insee, outstanding loans drawn by SMEs reached 550 billion euros at the end of June 2026! Banks remain, by far, the pillar of financing for French SMEs. But they no longer cover every need. It is in this open space that crowdlending has established itself! This financing method allows individuals to lend money directly to companies in exchange for interest. For the SME, it is an additional source of financing, often a faster one. For you, as a saver, it is an asset class accessible from just a few dozen euros. Let's look at how all this fits together: first the financing mechanisms available to SMEs, then how crowdlending works in practice, and finally what it entails, in terms of both returns and risks, when you take the lender's side.
- 16.09.2026
Livret A full: where to invest your money once the cap is reached?
You've reached the 22,950 € ceiling on your Livret A and you're wondering where to put the rest? Don't worry, you're far from alone: according to the Banque de France, roughly 15% of Livrets A are full. The most common reflex is to leave the surplus in a checking account, where it earns nothing and mechanically loses value every year. This guide offers a simple method: four tiers to work through in order, from the safest to the riskiest, moving on to the next only once the previous one is full. At each level, we look at the same three things: what the investment actually returns once taxes are deducted, how quickly you can get your money back, and what you stand to lose.
- 16.09.2026
French expats: where and how to invest from abroad?
You left for two years, or perhaps for twenty. You earn more than you did in France, your savings are building up, and no one has explained to you what your departure changed for your investments. Your bank told you nothing, and neither did your advisor. The result: like many expatriates, you will let your money sit in a checking account for years, or buy an apartment in France out of reflex, without gauging what that costs in tax terms. In this article, we propose to sort things out: what you can keep, what you must close, what remains open to investment from abroad, and how to allocate your savings according to the actual duration of your expatriation.
- 16.09.2026
How to Assess Investment Risk: Method, Indicators and Limits
An investment that returns 12% is not better than an investment that returns 3%: it is paid for a different risk. The whole difficulty lies in identifying that risk before committing your money, not after. Assessing the risk of an investment comes down to answering three questions: what can I lose, with what probability, and what protects me if the unfavorable scenario materializes? Here is the method, the indicators that answer these questions, and those that do not.
- 15.09.2026
Investing through a company: SASU, SARL or holding, which to choose in 2026?
Do you have cash sitting idle in your company's current account? Or are you already investing in your own name, and someone suggested that a company would be "more attractive from a tax standpoint"? The idea is appealing: paying 15% rather than 31.4%, compounding without income tax taking a bite every year... Except that the reality is more nuanced, and the answer depends above all on a question no one asks at the right time. We propose to take the reasoning apart step by step, with figures updated for 2026, using business lending as a case study.
- 15.09.2026
How to deduct a crowdlending loss from your taxes: the rules for each type of investment
A crowdlending loan isn't being repaid as expected, and the first instinct is to look for a way to recover at least part of the loss through taxes. The search almost always leads to the same result: an article proudly announcing a cap of €8,000 per year, backed by article 125-00 A of the Code général des impôts. Appealing… and often incomplete. Because that cap does not apply to every type of investment, nor to every platform, nor to every country of residence. Here we detail what actually changes depending on the exact nature of your investment, on where your platform is domiciled, and on your tax residence.
- 15.09.2026
How Maclear Underwrites SME Borrowers
How Maclear's project scoring system grades SME borrowers AAA to D — and why up to 90% of applications are rejected.
- 14.09.2026
How to diversify your investment portfolio (and why include private debt)
Diversifying an investment portfolio is not simply a matter of buying many different assets.
- 11.09.2026
Money Market Account vs. Fund: What Investors Actually Own
A money market account is a US bank deposit product that pays a market-linked interest rate and carries deposit insurance up to a set limit. A money market fund is an investment fund that holds short-term government debt, bank deposits, and commercial paper, common across Europe, with no deposit guarantee and a value that can fall.
- 10.09.2026
Fixed Income ETFs vs. Holding Debt Directly
A fixed income ETF holds a basket of bonds or debt instruments and trades on an exchange throughout the day, with no fixed maturity date for the fund itself. Holding debt directly — a bond or a non-tradable debt claim — has a set maturity and repayment schedule. The ETF offers daily liquidity; direct holding offers a known date but limited market exit.
- 10.09.2026
The Vibroedil Default at Maclear: What Happened and How the Loan Was Resolved
Vibroedil S.R.L. entered liquidation on 22 July 2025. Maclear recovered 100% of the €150,000 loan's principal through a private settlement. What happened, and how to verify it.
- 09.09.2026
Tactical Asset Allocation vs. Strategic Allocation Explained
Tactical asset allocation is a temporary shift away from a portfolio's long-term target weights, made in response to a current market view, while strategic asset allocation sets those target weights and rebalances them on a fixed schedule. Tactical shifts require assets that can be repriced and exited quickly; strategic weights can hold fixed-term instruments through to maturity.
- 09.09.2026
New: Restricted Access Projects — Extra APR for Gold and Platinum Investors
Restricted Access projects are open only to Gold and Platinum Leaderboard investors and add up to +2.0% APR per single investment of €25,000 or more, calculated automatically at the moment of investment.
- 08.09.2026
Supply Chain Finance: Reverse Factoring From the Funder's Side
Supply chain finance is a funding arrangement in which a large buyer's approved invoices let its supplier get paid early, with a funder advancing the cash at a discount based on the buyer's credit standing rather than the supplier's. Reverse factoring is the most common form: the buyer initiates the program, but the supplier is financed.
- 07.09.2026
Invoice Discounting Explained: How It Works for Investors
Invoice discounting is a revolving credit line secured against a company's accounts receivable ledger, not a purchase of the invoices themselves. The borrower keeps collecting payments from its customers, who are typically unaware the facility exists. The lender advances a percentage of the ledger's value and retains recourse to the borrower if a debtor fails to pay.
- 07.09.2026
Maclear Investor Update: August 2026 Highlights
Inside Maclear’s August 2026 figures: €11.02M invested across 14 projects, 4,707 active investors, and €4.86M returned in principal and interest as 68 projects repaid principal.
- 04.09.2026
What Is Investment Horizon, and Why Instrument Term Matters
Investment horizon is the date by which an investor needs capital back, not a general preference for "short-term" or "long-term" investing. An instrument matches that horizon only if it returns capital by that date or offers a realistic way to exit earlier. Misalignment between horizon and instrument term is a common, avoidable source of forced, costly decisions.
- 03.09.2026
What Is Passive Income: The Four Sources That Actually Pay You
Passive income is money paid to an asset owner without trading additional hours for each payment. Four parties actually make these payments: a tenant paying rent, a company paying a dividend, a borrower paying interest, or a user paying a royalty. What separates them is the legal basis of the payment and whether it is discretionary or contractually owed.
- 03.09.2026
Yield to Maturity vs. AROI: How Debt Returns Are Measured
Yield to maturity is the annualized return on a bond if held until it matures, combining the coupon, the purchase price, and the time remaining into one figure. It only works when the debt has a continuously quoted market price. Non-traded debt has no such price, so its return is measured differently — through AROI, based on principal, term, and expected earnings.
- 02.09.2026
Tax on Savings Interest: How It Actually Works in Europe
Tax on savings interest applies to interest income as it accrues or is paid, not when the underlying capital is withdrawn or sold. Unlike capital gains, which are taxed on realization, interest is typically taxed annually regardless of reinvestment. The exact rate, withholding method, and any tax-free allowance depend entirely on the investor's country of tax residence.
- 02.09.2026
What Is a Debenture, and What Does It Cover for a Lender?
A debenture is a document that gives a lender a charge over a borrower's assets as security for a loan. For the lender, it does not create new money — it creates a position: a fixed charge over named assets, a floating charge over a changing pool, or both. A charge improves the lender's place in the queue; it does not guarantee repayment.
- 01.09.2026
Types of Securities: Equity, Debt, and Crowdlending Claims
Securities are the broad legal category covering everything an investor can hold instead of the underlying asset itself: shares (equity), bonds and notes (debt), fund units, and derivatives. Each type carries a different claim and a different position if an issuer runs into trouble. A crowdlending claim resembles debt economically, but on most European platforms it is not itself a tradable security.
- 28.08.2026
Senior, Subordinated, and Mezzanine Debt: Where a Loan Sits
Senior, subordinated, and mezzanine debt describe the order in which lenders are repaid if a borrower defaults. Senior secured lenders are first and usually hold a charge over specific collateral; subordinated and mezzanine lenders are paid only from what is left, which is why their rates are higher. Seniority improves the position in the queue but does not guarantee repayment.
- 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
Long-Term Investment: How the Horizon Actually Gets Built
A long-term investment is usually defined by how long an investor plans to stay invested, not by the maturity printed on any single instrument. On a crowdfunding platform, individual loans run 4–16 months, but investors build multi-year horizons by continuously reinvesting principal as it returns — a different mechanic from holding one long-dated bond.
- 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.
- 22.08.2026
Alternative Investments: A Guide to Diversifying Your Portfolio
Alternative investments cover everything that is neither stocks, bonds nor cash: unlisted real estate, lending to businesses, private equity, gold, commodities, collectibles and more. Investors add them to a portfolio because they do not react to the same events as the stock market and can offer more attractive returns than bank savings accounts. But the trade-off is almost always the same: your money is tied up for longer, and you cannot always get it back when you want to. In this article, I go through the main alternative investments worth considering and how they work.
- 21.08.2026
What to Do With Extra Money — Saving vs. Investing in 2026
Extra money should follow a clear order: pay off high-interest debt first, then build an emergency fund covering a few months of expenses. Once both are covered, split what remains between a savings account for short-term goals, backed by deposit insurance, and investments, including P2P lending, for a longer horizon where capital is at risk.
- 20.08.2026
Invoice Factoring and Working Capital From the Lender's Side
Invoice factoring turns unpaid invoices into immediate cash by selling them to a funder at a discount; a working-capital loan is a short-term loan secured against receivables or inventory. For the funder, factoring carries two layers of credit risk — the borrower's and the debtor's who pay the invoice — while a working-capital term loan carries one, tied to its collateral.
- 20.08.2026
How to Start Investing in P2P Lending: A Beginner’s Guide
Peer-to-peer (P2P) lending lets individuals fund business loans directly through a platform such as Maclear, earning interest as borrowers repay. Getting started means registering and verifying your identity, funding your account, then selecting loans manually or through AutoInvest, and diversifying across multiple loans from day one. Capital is at risk and returns are not guaranteed.
- 19.08.2026
Debt vs. Equity Crowdfunding: Which Suits Which Investor?
Debt crowdfunding and equity crowdfunding are both online models for funding businesses or projects, but their legal structure differs sharply. In debt crowdfunding, an investor becomes a creditor with a fixed term and a repayment schedule. In equity crowdfunding, an investor becomes a part-owner with no fixed term or guaranteed return. Capital is at risk in both.
- 18.08.2026
Equipment, Inventory or Property: What Backs an SME Loan
Collateral behind an SME loan is usually equipment, inventory, property, or receivables, and the class matters more than the label "asset-backed." Property tends to hold value but sells slowly; specialized equipment and slow-moving inventory can realize far less than their book value. Lenders therefore size loans against liquidation value, not book value, and recovery is never guaranteed.
- 13.08.2026
Direct Lending Explained: Who Lends When It Isn't a Bank
Direct lending is business lending without a bank in the middle: the lender funds the loan and holds it to maturity, taking the credit risk directly. Access comes through direct-lending funds — traditionally with large minimums and lock-ups — or through a crowdlending platform, where individual loan claims start from €50. Returns are not guaranteed either way.
- 11.08.2026
Crowdfunding Advantages and Disadvantages: A Lender's View
Crowdfunding gives an investor direct access to a specific borrower or project at a low entry ticket instead of an averaged bank rate. That access comes with a trade-off: no daily repricing, no exchange liquidity, and no fund manager selecting deals on the investor's behalf. Every advantage below has a matching cost, and capital is at risk throughout.
- 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.
- 07.08.2026
How to Protect Your Savings from Inflation and Market Cycles?
Inflation slowly erodes, while crashes hit suddenly. Protecting against both requires a liquid base, a core of stocks and real estate, and 10 to 15% of uncorrelated assets.
- 07.08.2026
Crowdfunding or Crowdlending: Understanding the Difference for Smart Investing
Crowdlending is a form of crowdfunding: you lend and receive monthly interest, whereas equity makes you a shareholder. The five key differences, supported by a comparative table.
- 04.08.2026
Maclear Investor Update: July 2026 Highlights
Inside Maclear’s July 2026 figures: €13.81M invested across 18 projects, 4,207 active investors, and €6.06M returned in principal and interest as 75 projects repaid principal.
- 31.07.2026
Investing in Switzerland from France: Legal Framework, Taxation, and Platform Types
Investing in Switzerland from France is legal, provided you stay transparent: form 3916 mandatory, taxation in France on worldwide income, PEA excluded. This guide reviews the Franco-Swiss treaty (35% anticipated tax reduced to 15%), the 31.4% flat tax, and four platform types—brokerage accounts, ETFs, Swiss banks, and crowdlending.
- 31.07.2026
Crowdlending Taxation for French Residents: Flat Tax (31.4%), Declaration, and Optimization
31.4% flat tax from 2026, box-by-box declaration (boxes 2TT, 2CK, 2OP), capped capital loss deduction of €8,000 and installment-payment waiver: the clear guide to crowdlending taxation for French tax residents, including foreign and Swiss platforms. Educational article, not personalized tax advice.
- 30.07.2026
How the average Maclear investor builds a portfolio
17 projects, 9 borrowers, €2M in monthly Secondary Market trades — Maclear platform data from 2023 to mid-2026 shows how a typical investor actually allocates money.
- 24.07.2026
What Repeat Borrowers Reveal About a Crowdlending Platform
A repeat borrower has raised more than one loan on the same crowdlending platform. On Maclear, several companies have financed multiple projects — a signal they serviced earlier loans and passed due diligence again. But a track record only shows past performance; it does not guarantee future results, and concentrating in one borrower raises portfolio risk.
- 24.07.2026
What Backs a Maclear Loan: Collateral and LTV in Real Deals
See what actually backs a Maclear loan: registered collateral like equipment, vehicles, and company assets, valued above the loan and measured by loan-to-value. Using a real Czech IT deal, we show how base value becomes conservative liquidation value, why lower LTV means more buffer, and how collateral reduces loss without removing risk.
- 24.07.2026
How Maclear Funds Agriculture SMEs: Real Asset-Backed Deals
See how agriculture SMEs use Maclear crowdlending to fund equipment, working capital, and seasonal inventory when bank credit is slow. Each borrower passes due diligence and earns an internal risk score, with loans secured against machinery, vehicles, or inventory. Real Bulgarian deals, LTV, seasonality, and honest sector risks explained. Returns are not guaranteed.
- 24.07.2026
Anatomy of a Maclear Loan — A Czech IT-Infrastructure SME (Case Study)
A real Maclear case study: a Czech IT-infrastructure and cybersecurity SME raised a €700,000 working-capital facility in five tranches at a 14.8% annual interest rate over 12-month terms. See how Maclear vetted the borrower, scored it BBB, and secured the loan with operational assets and equipment. Returns are not guaranteed.
- 24.07.2026
New Feature: The Investor Leaderboard
The Maclear Investor Leaderboard ranks investors by active investments in four leagues, with cashback, exclusive project access, and rate vouchers.
- 24.07.2026
Inside Maclear's Funded Projects: How SME Crowdlending Works
See how a Maclear-funded project actually works — from borrower due diligence, collateral checks and an internal risk score, through funding into investor claims, to monthly interest and repayment. This hub walks through the full lifecycle of an asset-backed SME crowdlending loan, explains how AROI is measured, and links to real Maclear case studies. Returns are not guaranteed.
- 10.07.2026
P2P Lending vs Stocks: Key Differences for Investors
Stocks make you a part-owner of a public company; you earn through dividends and price appreciation, with high liquidity but market volatility. P2P lending is private debt: you lend to businesses and earn interest, measured as AROI, over a fixed term. Stocks reward ownership and growth; P2P targets regular interest income. They suit different goals, and returns are never guaranteed.
- 10.07.2026
P2P Lending vs Savings Account: Returns, Risk and Liquidity Compared
A savings account holds your money at a bank, pays low interest, and is covered by deposit insurance (around CHF 100,000 in Switzerland or €100,000 in the EU), with near-instant access. P2P lending invests your money in business loans for potentially higher returns, but the capital is not insured and can be partly or fully lost.
- 10.07.2026
P2P Lending vs Real Estate: Returns, Risk, and Liquidity Compared
"Real estate" means owning property — or a share of it through real-estate crowdfunding — to earn rent and potential appreciation. P2P lending means funding loans to earn interest, measured as AROI. Real estate is a tangible asset but needs large capital and is hard to sell quickly; P2P starts from €50 and is more passive. Both carry risk, including loss of capital.
- 10.07.2026
P2P Lending vs Index Funds: Returns, Risk & Diversification
Index funds are passive baskets that track a market index, giving you instant diversification across many stocks at a low fee, with returns driven by the equity market. P2P lending is private credit: you fund business loans and earn interest, measured as AROI. Index funds suit broad market exposure; P2P adds income with low correlation. Capital is at risk in both.
- 10.07.2026
P2P Lending vs Bonds: Key Differences for Investors
Bonds are tradable debt securities: you lend to a government or company, earn a fixed coupon, and can sell them on a market before maturity — but the price moves with interest rates. P2P lending is private debt — you fund business loans, earn returns measured as AROI, and exit only through a secondary market. Both pay income; neither is guaranteed.
- 02.07.2026
Maclear Investor Update: June 2026 Highlights
Inside Maclear’s June 2026 figures: €10.56M invested across 16 projects, 3,989 active investors, and €6.86M returned in principal and interest as 80 projects repaid principal.
- 30.06.2026
Fixed-Income Investing Explained: Where P2P Lending Fits
Fixed-income investing means lending money to a government, company, or borrower in exchange for regular interest payments and the return of your principal at maturity. Common fixed-income investments include government and corporate bonds, money-market instruments, and P2P lending. Returns are more predictable than equities but not guaranteed, and capital stays at risk from default and rising interest rates.
- 30.06.2026
July Boost: How to Earn an Extra +1.5% on Your Investments This Summer
Invest €27,000 or more on Maclear's Primary Market this July and earn an extra +1.5% annual yield on every position — while climbing faster toward higher loyalty tiers.
- 25.06.2026
Digital Lending Explained: How Online Lending Platforms Work
Digital lending means applying for, approving, and funding loans entirely online. How the model works, its types, digital lending vs investing, and the risks.
- 24.06.2026
How to Use the Secondary Market on Maclear to Get More From Your P2P Portfolio
How Maclear's Secondary Market works in P2P lending — discounts, repayment history, liquidity data, and the strategies active investors use to get more from a P2P portfolio.
- 23.06.2026
Provision Fund vs Buyback Obligation – P2P Loss-Protection Compared
A provision fund and a buyback obligation are different P2P loss-protection mechanisms. How each works, what it covers, and why Maclear uses a Provision Fund.
- 17.06.2026
AutoInvest in P2P Lending – How Automated Portfolios Work
AutoInvest automates investing on Maclear: set your strategy and the system funds matching projects by priority. See the rules, limits, and what it cannot do.
- 10.06.2026
What Is AROI? How Maclear Measures P2P Returns
AROI (Annualized Return on Investment) is how Maclear measures P2P returns.
- 08.06.2026
Maclear Investor Update: May 2026 Highlights
Western Europe funded it, Central and Eastern Europe absorbed it: inside Maclear's May 2026 figures — €10.46M deployed, €2.74M repaid, and an all-time base of 39,546 investors.
- 03.06.2026
Annual Report 2024
Annual accounts comprising the balance sheet, the profit and loss account, the notes to the accounts, and the proposal for the appropriation of retained earnings.
- 03.06.2026
A Message to Maclear Investors
An update from the Director on the platform's 2024 results — how your funds work, the figures behind the year, the capital position, and the road ahead in 2025.
- 02.06.2026
Instant deposits: New feature on Maclear
Maclear is introducing a faster way to fund your account — the instant deposits feature. Every investor gets a personal virtual IBAN. Deposit fees remain 0%.
- 01.06.2026
P2P Lending Risks: A Complete Framework for Investors
P2P lending risks include borrower default, platform, liquidity, regulatory, concentration and macroeconomic risk. Capital is at risk and returns are not guaranteed.
- 28.05.2026
P2P Lending in Switzerland 2026 — Regulation & Tax
P2P lending in Switzerland works under SRO membership overseen by FINMA. Investors report tax themselves, funds are held temporarily, and returns are not guaranteed.
- 26.05.2026
P2P Lending Secondary Market: How It Works, Fees, Risks
A P2P lending secondary market lets investors sell loan claims before maturity. How pricing, the 2.5% seller fee, lockups, and adverse-selection risk work.
- 19.05.2026
Farmland Investing: Returns, Risks, and Accessibility
How farmland investing generates returns, what risks investors face, and how crowdlending platforms now provide accessible exposure to real economic activity.
- 12.05.2026
Hard vs Soft Assets in Inflation: Which Alternatives Perform Better
Hard assets hedge inflation through scarcity; soft assets through floating rates and contractual repricing. Structural comparison for 2026 portfolios.
- 12.05.2026
€2,000,000 in the Provision Fund: How Maclear keeps your returns safe
Learn how 2% of every funded project protects investor interest payments.
- 08.05.2026
Maclear Investor Update: April 2026 Highlights
April 2026 brought €8.65M in project funding, 2,836 active investors, and €2.92M repaid across 34 projects. See the full Maclear platform recap.
- 07.05.2026
Why Institutional Investors Are Turning to Alternatives
Why pensions, endowments, and insurers are reallocating from 60/40 to private credit, infrastructure, and crowdlending — driven by liabilities, not yield.
- 05.05.2026
How Alternative Assets Reduce Portfolio Volatility
How non-correlated alternatives — private credit, crowdlending, infrastructure, farmland — lower portfolio volatility when stocks and bonds fall together.
- 30.04.2026
Crowdlending Recovery Process and Collateral Explained
A practical guide to collateral structures, recovery processes, and why active platform management
- 28.04.2026
Geographic Diversification in Crowdlending Portfolios
Why geographic concentration is one of the most overlooked risks in crowdlending
- 23.04.2026
How Returns Are Generated in Crowdlending: What Actually Drives Investor Yield
Crowdlending returns aren't driven by market timing.
- 21.04.2026
Balancing Loan Duration vs Yield: Building a Smart Lending Portfolio
Loan duration and yield are two sides of the same trade-off. Learn how maturity, interest rates, inflation and credit risk interact.
- 16.04.2026
Why Discipline Beats Intelligence in Investing
Markets reward disciplined investing, not raw intelligence. Why consistent behaviour, predefined rules, and low activity outperform clever timing over the long run.
- 14.04.2026
How Fees Compound Against Your Returns
Investment fees compound silently year after year. Learn which fees matter most, how they erode long-term returns, and how to keep more of what you earn.
- 09.04.2026
Liquidity Explained: What It Is, Why It Matters, and How to Plan for It
Many people think of liquidity as simply cash. In reality, there are different levels of ease in accessing cash to use it for various purposes. It isn’t always the best form to store wealth in though, as the greatest opportunities lie in more locked-in assets.
- 07.04.2026
How to Invest in Bonds: Routes, Costs, and Trade-Offs
There are three main routes into bonds: buying an individual bond directly through a broker, buying into a fund that holds many bonds, or buying a secured crowdlending claim that pays a comparable income stream through a different structure. Each route differs in minimum size, who selects the credit, and how you exit before maturity.
- 03.04.2026
Maclear Investor Update: March 2026 Highlights
This report presents an overview of Maclear’s platform performance for March 2026, covering key metrics related to investor activity, capital inflows, project funding, and repayments.
- 31.03.2026
Active vs Passive Investing: Key Differences Explained
Two of the most discussed methods of participating as an investor is going hard core as a specialized active investor or just helping to build the market long-term passively. Here we explain what these refer to, their benefits, and some options for practicing them.
- 23.03.2026
How Inflation Impacts Long-Term Wealth
Read some ways to turn time to your advantage.
- 19.03.2026
Short-Term Investments: Where to Park Cash for 3–12 Months
For a 3-12-month horizon, the priority is capital preservation and accessibility, not maximum yield. Main options include an insured savings account, money market funds, short-term bonds or T-bills, and short-term P2P lending. Savings accounts and money market funds offer the most certainty; short-term P2P loans are uninsured and do not guarantee an exit before the loan term ends.
- 17.03.2026
Inside Maclear's Growth: Understanding Our Statistics and Monthly Snapshots Pages
Investors always want to know as much as they can about a company’s financials, its overall performance, and which direction it’s trended in recently. That’s why Maclear provides all of this information on two dedicated pages. Here, we detail which information is posted and where.
- 12.03.2026
Why Tech Firms Deliberately Remain Unprofitable
To some companies and their financiers, there are goals and strategies bigger than short-term profits.
- 10.03.2026
Why Comparing Past Financials with Future Projections Can Be Misleading
When considering investing in a project, the numbers are one of the first things to ask.
- 05.03.2026
Maclear’s International Team: How Global Talent and Experience Helps Bolster the Platform
Global corporations, in particular tech firms, have recently demonstrated a clear move in favor of building international teams and outsourcing.
- 04.03.2026
Maclear Investor Update: February 2026 Highlights
This report outlines Maclear’s platform activity for February 2026, covering investor participation, capital inflows, project funding, and repayments across the portfolio.
- 03.03.2026
How Maclear Embodies Swiss Tradition and Innovation
Switzerland maintains a proud tradition of fueling capital to worthy projects and causes in innovative ways. Now that lending has gone digital and global,
- 26.02.2026
Why Switzerland is the Class of Global Crowdlending
Switzerland is incredibly vigilant and thorough when it comes to eliminating consumer and lender rights abuses, cybercrime, and money laundering.
- 26.02.2026
Borrower Interview: Investstroy 3000 EOOD - From Small Renovations to €2.3M in Revenue
In this interview, we spoke with founder and CEO Ognyan Georgiev Zdravkov.
- 24.02.2026
Borrower Interview: JINTEKI Ltd. — How Financing Unlocked the Next Stage of Growth
We spoke with CEO Toma Tomov on how disciplined production, predictable planning, and capacity upgrades turn demand into sustainable growth.
- 24.02.2026
Bankruptcy Law for Swiss Crowdlenders
Here, we break down the broad variety of ways Switzerland guarantees financiers’ rights.
- 19.02.2026
The Benefits of Maclear’s Continuous Auditing for Investors
Read here about the Swiss standards that PolyReg holds Maclear to, as well as its own independent principles, resulting in the utmost in security for its investors.
- 17.02.2026
Maclear's Annual Inspections by the PolyReg Self-Regulatory Organization: Far Beyond Anti-Money Laundering
FINMA and Switzerland's self-regulatory organizations are among the most rigorous in the world, reinforcing the wide range of measures Maclear already employs to boost investor confidence and security.
- 12.02.2026
Account Segregation for Crowdlending Investor Protection under Swiss Law
Here we detail why Switzerland’s robust legal system ensures stakeholders dealing with SRO-listed members are safe.
- 10.02.2026
Loan-to-Value & Collateral – How Secured Crowdlending Protects Investors
Loan-to-Value (LTV) is the ratio of a loan amount to the value of the collateral securing it, calculated as Loan Amount ÷ Collateral Value. A lower LTV means more collateral cover per unit of debt. In secured crowdlending, collateral and a low LTV reduce potential loss if a borrower defaults, but they do not eliminate it.
- 05.02.2026
Why Current Market Value Matters More Than Book Value in Loan Assessments
Discover why current market valuations provide more accurate collateral assessment than historical book values.
- 04.02.2026
Maclear Investor Update: January 2026 Highlights
This report provides an overview of Maclear’s platform activity and performance in January 2026.
- 03.02.2026
The World’s Most Lucrative Countries for Crowdlending
Discover the most lucrative countries for crowdlending.
- 08.01.2026
Maclear Investor Update: December Highlights
€6.9M invested, 6,598 active investors, €1.47M repaid. Discover growth metrics and top-funded projects across Europe.
- 08.01.2026
Maclear Investor Update: 2025 in Numbers
Maclear's 2025 performance. Explore annual metrics, 886 funded projects, and expansion to 72 countries worldwide.
- 30.12.2025
Maclear Business Model, Regulation and Transparency Facts
Overview of Maclear’s Swiss structure and regulatory compliance.
- 24.12.2025
P2B Lending in 2026: Understanding Eastern European Business Finance and the Maclear Model
Explore Maclear's approach to P2B investing and risk management.
- 18.12.2025
Is P2P Lending a Threat or Complement to Traditional Banking?
Explore the mechanics, benefits, and the future of collaborative financial ecosystems.
- 16.12.2025
P2P Lending Meetups and Forums: Why In-Person and Online Dialogue Still Matters
Learn how to build trust and network with expert investors
- 11.12.2025
The Rise of Quantum Computing: Too Early or Time to Jump In?
Explore quantum computing investment opportunities in 2025.
- 09.12.2025
Biotechnology and Genomics: Investing in the Future of Health
Learn how to invest in biotechnology and genomics stocks and ETFs.
- 04.12.2025
Maclear Investor Update: November Highlights
Explore key metrics, top countries, funded industries, and platform growth.
- 04.12.2025
5G, IoT, and Smart Cities: How to Invest in the Infrastructure of Tomorrow
Learn how to invest in 5G, IoT, and smart city infrastructure.
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The Future of Space Exploration: Is SpaceX the New Frontier for Investors?
Learn how to invest in the $1.8 trillion space economy through funds, stocks, and emerging space companies in 2025.
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Investing in AI, Robotics, and Automation: What You Need to Know
Learn how to cash in on the AI world with this overview.
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Making Passive Income Off Dividend Stocks
This beginner-friendly guide breaks down how dividend stocks can help you grow steady income over time, even if you’re not a finance expert.
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The Myth of “Set It and Forget It” in Passive Income
There exists a popular myth that passive income allows entrepreneurs to be totally passive and the money flows all on its own.
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What Is Wealth, Really? Net Worth vs. Income
That actually isn’t so. In this piece, we break down the difference between income and net worth.
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How to Use Break-Even Analysis in Making Smarter Decisions
Learn formulas, strategies, and real-world applications