29,000+ Investors

European Investors Are Earning

Up To16.5% Returns

A Swiss-regulated crowdlending platform where private investors lend directly to vetted European businesses β€” with fixed monthly income and real collateral protection.

Traditional savings vs Alternative lending

REGULAR

Traditional Savings

1–4%
Savings accounts
Investor access starting from €0–100
HIGHER RETURN

Alternative Lending (P2B)

~16.5%
Fixed annual returns
Investor access starting from€50
This is not individual investment advice. All investments carry the risk of capital loss. Past results do not guarantee future returns.

Investment Options Available To European Investors

Typical annual return

Up to ~16.5%P2B Lending
Bank Savings0.5–2%
Fixed Deposits2–4%
Gov Bonds2–4%
Real Estate4–8%

Minimum capital

€50P2B Lending
Bank Savings€0–100
Fixed Deposits€500+
Gov Bonds€1000+
Real Estate€20000+

Liquidity

MediumP2B Lending
Bank SavingsHigh
Fixed DepositsLow
Gov BondsMedium
Real EstateLow

Risk Level

MediumP2B Lending
Bank SavingsVery Low
Fixed DepositsLow
Gov BondsLow
Real EstateMedium

Accessibility

HighP2B Lending
Bank SavingsVery High
Fixed DepositsHigh
Gov BondsMedium
Real EstateLow

Diversification

HighP2B Lending
Bank SavingsLow
Fixed DepositsLow
Gov BondsMedium
Real EstateLow
4.6
640+reviews onTrustpilot
VERIFIED COMPANY

Private credit was never built for everyone

Most private savings still sit in traditional bank accounts with low annual returns, while alternative financing markets have historically remained out of reach for individuals.

1–2%
Typical bank return

Across Europe, most private savings remain concentrated in traditional bank accounts generating modest annual returns.

The Yield Gap

Alternative financing has historically delivered higher yields

Project lending and private credit have long offered stronger return potential than ordinary savings products β€” but access has traditionally been limited to a narrow part of the market.

The Core Constraint

Private lending is limited by the number of real available projects

Unlike public markets, these opportunities do not scale infinitely. Each deal needs a defined amount of capital, and once it is filled, the window closes.

Institutional Access

These markets were traditionally accessible only to institutional investors and private capital funds.

Finite Allocation

Each project requires a specific amount of capital, which creates a hard limit on participation.

Closed When Filled

Once the full amount is allocated, the opportunity is closed to new investors.

Why It Stayed Exclusive

Access historically remained limited to institutional capital and private investment groups

Structural limits in private lending meant that opportunities were small, selective, and quickly filled. As a result, participation remained concentrated among professional investors rather than the broader public.

What Changed

Digital platforms are starting to open parts of this market to individual investors

Swiss-regulated crowdlending platforms now enable private investors to lend directly to vetted businesses starting from just €50, with fixed monthly returns and real collateral protection.

Now becoming accessible

Total Track Record

€0M+Total Funds invested (all time)
0K+Total investors (all time)
0+Total projects financed (all time)

Monthly Platform Transparency Report

Maclear Investor Update: December Highlights
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.

Read more
Maclear Investor Update: January 2026 Highlights
04.02.2026

Maclear Investor Update: January 2026 Highlights

This report provides an overview of Maclear's platform activity and performance in January 2026.

Read more
Maclear Investor Update: February 2026 Highlights
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.

Read more

Investment Opportunities Available On The Platform

Each project is funded until the required capital is reached

Once the funding target is completed, the investment opportunity closes to new investors

BBB

ARKMEN

14.7%
Interest rate
Loan period14 months
Funded85%
A

Smart Italia

14.7%
Interest rate
Loan period14 months
Funded53.91%
BBB

Live120

14.8%
Interest rate
Loan period14 months
Funded9.48%
A

Consumer Loans

15.7%
Interest rate
Loan period9 months
Funded74.05%

How Does It Work

1

Explore Opportunities

Browse a range of investment projects listed on the platform. Each opportunity includes details on the borrower, project type, interest rate, duration, and risk rating.

2

Due Diligence

Review the provided financial data, project documentation, and Maclear's internal credit analysis. Every listed project undergoes structured assessment before being made available.

3

Invest

Select an opportunity and allocate your capital. The minimum investment starts from just €50, making it accessible to a wide range of investor profiles.

4

Track Performance

Monitor your portfolio through the investor dashboard. See real-time updates on funded amounts, repayment schedules, and accrued interest.

Investor Feedback And Independent Reviews

4.6onTrustpilot

β€œGreat platform! All functions work as advertised and the staff are professionals.”

Les Bentz

β€œThis investment journey with Maclear has been truly rewarding. The transparency, honesty, and great management skills demonstrated by Maclear are outstanding.”

Paulo Henrique M.

β€œEverything was great, since the beginning until now! I recommend!”

Filipe

β€œMaclear is supporting and doing a good job on selecting right borrowers. The interests are always paid on time without any delay.”

Mohammadreza

β€œThe platform is simple to navigate, verification was completed quickly, and the customer support team was very responsive.”

Dimitris M.

β€œI've been invested in Maclear AG since June 2025. Amazing experience with Maclear β€” transparency, reliability and great returns.”

Joao Salas

β€œThe regular improvement of the online platform makes me believe that there's people taking care of Maclear.”

Nicolas R.T.

β€œI've been investing with Maclear AG for 14 months now. Two projects fully repaid as stated.”

Enrique

β€œThe support team is very responsive, friendly, and available. The platform is very easy to use.”

Nelly Nicaise

β€œSimple to use. Great returns. Never had any problem. Great loyalty program with nice bonuses.”

JosΓ©

β€œThe perfect regularity of the interests payment made me put a little more and more money with them.”

Alberto L.

β€œThe support team was very friendly, reactive and answered my questions via email in less than 24 hours.”

Cindy Santos

β€œExcellent interest rates paid on time! Very attractive bonuses.”

Orban Iosif

β€œGreat team, quick support, good yields, top.”

DEsder

β€œThe website is user-friendly, interest is paid hourly, and the projects are diverse.”

Alex

β€œThe platform is easy to use, transparent, and the returns have been consistent.”

C.K.

β€œThere have been no payment delays. The projects are interesting and well-selected.”

Philippe

β€œNever had any issue or bad experience. I feel secure investing my money.”

JoΓ£o Pedro S.

β€œThey offer wonderful investment opportunities. The communication is very good.”

Arkadiusz W.

β€œInterest payments are made as predicted, and loans have been repaid punctually.”

Dan Clases

β€œGood return rates, reliable platform, good support team, weekly news and notifications.”

Ruben Ruela

β€œVery intuitive, credible and reliable platform to increase your income.”

AlΓ­pio Sousa

β€œThe most reliable platform with Swiss precision. High quality and diversity.”

Benedikt S.

β€œThe website execution is flawless. Never had a problem to deposit, invest or withdraw.”

Romain Castel

β€œWonderful investment opportunities, easy to navigate website, and a quick and efficient customer support team!”

Petko Petkov

β€œEasy to invest, great projects.”

Remus-Tiberiu

β€œGreat customer support! 24/7 compromise. Trustworthy platform.”

jose folla lopez

β€œEase of use, great returns and a solid security to keep investors confident and relaxed.”

AndrΓ© P.B.G.

β€œI've been testing and using Maclear platform for 2 years now. It's one of the best, reliable and trusted platforms.”

Guy

β€œEasy to use. Fast and efficient. Look forward to using more in the future.”

Maureen R.

β€œWe had some problems with the 2FA. Within a day everything was solved. The support was great.”

Bert De Kerpel

β€œReliable and high profit. Recommend.”

VESELIN

β€œI have been investing in the platform for four months and I have had no problems.”

Evangelos

β€œI have been investing in Maclear since January 2025 and I have received my first refunds on schedule.”

Javier P.G.

β€œAlways money back on time with full interest!”

PANAGIOTIS T.

β€œI've been investing with Maclear for 22 months and everything is working well.”

Marcela Carlesi

β€œEverything works flawlessly: interest payments, the entire bonus system, platform support.”

Regimantas

β€œI've been using Maclear for years now, and what I appreciate the most is its trustability.”

Laura

β€œEverything works well and as expected. Great company with fast support.”

IIIDUCKIII

β€œInvesting very easy. Up till now every payment received.”

ronald

β€œIt's easy to invest, the projects are very interesting and diversified.”

antoine d.

β€œVery clear website, easy to set up account. Clear investment projects.”

Dennis R.

β€œSmooth experience and great service, very satisfactory.”

Gabriel Alonso

β€œNice to have a way to work like a loan creditor or kind of a bank.”

Rodolfo G.

β€œSo far, so good!”

NELSON D.R.

β€œMakes P2P investing easy! Nice work.”

Lennox G.

β€œService, results, reliability. Everything is world class.”

Stefan

β€œOne of the best P2P experiences so far. We always know how our investments are going, intuitive site.”

JP

β€œEverything ran smoothly. User-friendly platform. No doubt I will keep on investing with Maclear.”

RocΓ­o P.F.

β€œSmoothly operating platform. Invested since the start of Maclear and it became one of my top 3 P2P platforms.”

Joschua G.

β€œThe best so far!”

LOIC FAVRE

β€œPayments on time, great interest, great platform.”

Karlutx LLC

β€œEverything went smoothly and transparently. All payments were made as stated.”

rox

β€œAccount access fully restored. Issue was resolved in less than 24 hours. Maclear has proven legitimate.”

Alexandre G.

β€œA young and dynamic P2P platform with top yields on their projects.”

Cypherater

β€œMaclear gives you both stability and high returns!”

NICK

β€œBeing based in Switzerland and regulated was reassuring. Platform is user-friendly.”

Eris De Lima

β€œEasy platform to invest. Recently recovered money of first investment with excellent profit.”

Rafa Sanjuan

β€œSecure and clear platform. Very active, constantly improving services offered.”

Paul J.

β€œThe platform is easy to use and you get the right amount of info. It just gives you the safety vibe I need as an investor.”

FRANCISCO F.N.

β€œGood complement to your investments. I've completed some investments and the returns are amazing.”

Daniel J.R.

β€œSwiss platform with easy to use processes and an excellent customer service.”

MATTEO

β€œThe experience so far has been great. It's been about a year, everything worked as expected, great returns and no projects delayed.”

D.

β€œI'm happy with 14% return. Everything was transparent and easy to understand.”

Frederic Lesne

β€œVery intuitive and easy to use. Highly recommended.”

LUIS GONZAGA

β€œGood platform, payments always on time and excellent rates.”

LUIS C.A.P.

β€œGood platform for investors with good benefits. Registration process easy and intuitive.”

Ricardo Ignacio

β€œEasy to apply. Good interests. Platform keeps improving.”

JΓΆrg

β€œPerfect platform for passive income.”

Paco Gaspar

β€œOne of the best investment options in Europe.”

Sergio

β€œGood returns. Diversity. One of the best platforms.”

Armazem L.

β€œFast and accurate support when needed!”

Pablo Diaz

β€œEasy to use and well organised platform. Many interesting projects to invest.”

Attila Starke

β€œHigh and punctual interest rates, paid monthly. Interesting projects, often related to technology.”

vincenzo m.

β€œMaclear is a very interesting crowdlending platform. High interest, easy investing, clear operating, generous bonuses.”

Ferenc

β€œAn investment company of peer to peer lending with good options and safe investment.”

Pedro H.

β€œReliable, predictable and clear.”

Charis B.

β€œEverything is working as intended and I am happy.”

Bernard S.

β€œI'm just starting, but so far had a great experience. Good job!”

AgustΓ­n M.

β€œSo far the inscriptions and the start of our investment is good.”

M. Van Esbroeck

β€œGood customer service.”

Marija L.

β€œUntil now, no worries or problems!”

Lilia Patricia A.M.

β€œTop marks! Platform at the top.”

ROMUALD RUIZ

β€œSo far I have had good experiences with Maclear. Deposits and withdrawals have worked without problems. Interest received on time.”

Neuer Kunde

Frequently Asked Questions

This information does not constitute individual investment advice. All investments carry the risk of capital loss. Past results do not guarantee future returns. Make investment decisions independently.