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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

Real collateral

on every loan

Fixed monthly returns

interest paid every month

14.6% APY

target annual yield

Maclear in Numbers

€81M+

Total Funded

€6M+

Total Interest Paid

31,240+

Investors

Safety
1,355+

funded projects

0

overdue loans

Delays compensated via Provision Fund

Liquidity
€1000+

secondary market volume

0

secondary market participants

Last
6 months

Investors Receiving Payouts

Number of investors who received interest payments each month

Full Statistics

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

Loan Amount€600,000
Term16 months
Yield (APR)15.1%

The company is delivering on €14M+ contracts for 2025 and needs working capital for supplier prepayments. Customers pay in 90-120 days, so the loan covers this temporary liquidity gap.

We confirmed stable financial performance and verified all major contracts and collateral. Maclear AG reviewed their risk metrics (Score A, D/E 0.38, LTV 10%) and repayment history. The loan is backed by company assets and secured revenue streams.

Since 2006, 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%

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.

We confirmed the company's recovery, reviewed active contracts, and validated operations under new ownership. Collateral includes freezing equipment and existing production assets with clear liquidation value, all verified by Maclear AG.

Since 2006, Bulgaria

Datra Ltd

Supply, installation and maintenance of agricultural and food equipment

Loan Amount€950,000
Term12 months
Yield (APR)14.6%

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.

We verified Datra's financial history, including €3M+ in fully repaid bank loans, and confirmed all signed contracts. Maclear AG audited their cash flow, collateral, and LTV, ensuring strong repayment ability. The equipment offered as collateral holds stable market value and is easy to liquidate.

About Projects

Number of projects over the last 6 months

💵 Consumer Loans

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.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

0 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

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)

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
15,000
Investment period (years)
15,000
Loyalty bonus
0%
1.5%
2%
2.5%
3%
Future value in 5 years
18,449
Average annual return
15,6%
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.

Our Investors talk
about us

Active
Investors

000+

last 6 months

Avg. Monthly Investment per Investor

€000+

average across active investors

Avg. Monthly
Interest Payout

000+

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

Frequently asked questions

More Questions
What happens if a borrower doesn't repay?
How is Maclear regulated?
What is the Provision Fund and how does it protect me?
How do deposits and withdrawals work?
How are projects selected and scored?
What are interest payments and principal repayment?
How does the secondary market work?
What bonuses are available for new investors?
How does the loyalty program work?
What do I need to start investing?