How does Maclear make money: the platform business model explained

Maclear operates as a financial intermediary between investors and borrowers. The platform does not charge investors any fees — all revenue comes from the borrower side. Maclear earns commissions from borrowers on successfully funded projects, a portion of which is transferred directly to the Provision Fund.

How does Maclear generate revenue?

Maclear has three revenue streams:

• Borrower commission — charged to the borrower at the point of listing. The commission ranges from 3% to 6% depending on the project. Of this amount, 2% is allocated directly to the Provision Fund, which protects investor interest payments in the event of borrower delays. The remainder goes to platform operations and profit.
• Borrower audit services — as part of the project evaluation process, Maclear conducts a full audit of each borrower, including financial modeling, business appraisals, risk assessment, market research, and feasibility studies. These services are paid for by the borrower and represent a separate revenue stream for the platform.
• Secondary Market fee — a 2.5% fee charged to the seller when an investor sells their investment share to another investor before the loan is repaid.

Why does Maclear not charge investors?

The platform's revenue model is designed so that investors bear no direct costs. All fees are paid by the party receiving capital — the borrower. This means every euro an investor deposits goes entirely toward earning returns, with no platform deductions on the investor side.

Where does the Provision Fund money come from?

The Provision Fund is replenished from 2% of every project commission — paid by the borrower at the point of successful funding. It is also supported by revenue from other services Maclear provides.

Regulatory disclosure: Maclear AG, registered in Switzerland, member of PolyReg SRO, a self-regulatory organization supervised by FINMA.

See also: What is the Maclear Provision Fund: purpose, how it is funded, and how it works · What are the fees for the Maclear Secondary Market?