€133M
Total Funded
€12M
Total Interest Paid
47,742
Investors
47,742+ investors
Swiss-regulated P2P investment platform
Invest in vetted European business loans
Real collateral
on every loan
Fixed monthly returns
interest paid every month
14.6% APY
target annual yield
Featured Investment Projects
Every project is individually vetted — collateral, financials, credit history
Since 2015, Bulgaria
Wholesale Electronics
Supplies consumer electronics to major retailers and telecoms like Technomarket and Magnum-D
About Projects
Bulgaria
Czechia
Italy
Greece
Estonia
Others
Map View
Number of projects over the last 6 months
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
How it is funded
- 2% commission from each financed project
- 2.5% commission from sales on the secondary market
What it covers
Delays in interest payments — investors receive scheduled payments even if the borrower is temporarily not paying
What it does not cover
Full loss of capital in case of default — the Collateral Agent is designed for this
—
Overdue loans
Delays compensated via Provision Fund
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
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
What it means for the investor
No need to go to court yourself. Maclear acts on behalf of all investors in the project
What is not guaranteed
Full capital return — the final amount depends on the collateral value at the time of sale. The process takes time
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
Initial investment
€8,500
Investment period (years)
5
Loyalty Bonus
Future value in 5 years
€15,145
Estimated returns based on target rate of 15.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Our Investors talk about us
Active Investors
32,143
last 6 months
Avg. Investor Portfolio
€1.7K
average across active investors
Avg. Monthly Interest Payout
€148
per active investor per month
See What Our Investors Are Saying About Us
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 to
3%
additional annual return
The more you actively invest, the higher your loyalty level — and your additional return
Every month, in numbers
We publish a full platform report every month — investments, repayments, active investors
- 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.
- 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
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.
Frequently Asked Questions
More Questions
If the borrower defaults on monthly interest payments for more than 3 days, Maclear will continue paying out interest payments from the Provision fund until the borrower resumes interest payments according to the repayment schedule.
Learn more by clicking this link
Maclear AG is a P2B crowdlending platform 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.
The Provision Fund is a reserve pool funded by platform commissions. If a borrower is late on interest payments, Maclear continues paying you on schedule, from the Provision Fund, while resolving the issue. This means your cash flow isn't interrupted by short-term borrower difficulties. The Provision Fund covers interest payment delays. It does not cover full capital loss in the event of a default, for that, Maclear acts as Collateral Agent and initiates legal enforcement of the borrower's collateral on your behalf.
Learn more by clicking this link
Use any bank account registered in your name to deposit funds. Multiple accounts are allowed, as long as the name matches your Maclear account. To withdraw, go to Deposit/Withdraw, select your IBAN, enter the amount, and confirm. Requests are processed within 1–2 business days. EU transfers usually arrive the next day; non-EU transfers may take longer.
Learn more by clicking this link
Our company is meticulous about selecting investment projects. For a potential borrowing project to be considered by Maclear specialists, we require that the applicant fill out a special questionnaire supported by numerous legal and financial documents about the borrower, beneficiaries, and possible guarantees. The project's initiator should also provide a detailed business plan and a financial model with a comprehensive legal, economic, and marketing analysis. Afterward, the project is initially evaluated and verified by our personnel. Further, the borrower must provide information about the legal entity's current financial position, valid and confirmed jurisdiction, previous experience, etc. After obtaining the necessary documents, a potential borrowing project undergoes a multi-level verification process, including, but not limited to, compliance, due diligence, and risk assessment. If the project passes all verification stages, our experts conduct the final stage of negotiations with the project initiators and sign all necessary and obligatory legal agreements. Subsequently, the project appears on the platform.
Learn more by clicking this link
Interest Payment: This refers to the regular monthly payments the borrower makes to the investor throughout the loan term. These payments cover only the interest — not the loan amount itself (the principal). Principal Repayment: Refers to the return of the original amount of money that was invested.
The Secondary Market allows investors to sell their investments before maturity — a liquidity tool for those who need early exit. But it's also an entry point with exclusive opportunities: - Buy loan shares at a discount - Access projects no longer available on the primary market - Enter projects with a shorter remaining term — for example, buy into a 12-month loan at month 8 - Filter by your preferred metrics: LTV, Debt-to-Equity, and more Liquidity is not guaranteed — availability depends on buyer demand for a specific project.
Learn more by clicking this link
1. Welcome Bonus A €15 welcome reward on your first investment within 7 days of registration 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. Loyalty Bonus +3% to the Interest rate per annum on all future investments
Learn more by clicking this link
The loyalty program rewards investors based on their active investment amount, the total currently invested in live projects, not historical volume. The more you have actively invested, the higher your loyalty level and the higher your additional annual return — from 1.5% to 3% on top of your project rate.
Learn more by clicking this link
Once you reach the Beta loyalty level, you will receive an extra 1.5% return on all your future investments. This means that if the project/loan you'd like to invest in has a 14% interest rate, you will get 15.5% instead of 14%. The same goes for all other levels. Beta Plus +2%, Alpha +2,5%, Alpha Plus +3%.