Maclear

A Maclear AG é uma plataforma suíça de crowdlending P2B: os investidores emprestam a PME europeias que procuram financiamento para crescimento, equipamento, stock ou marketing. Os atuais fundadores adquiriram a Maclear AG em 2020, abriu a plataforma em 2022 e financiou o primeiro projeto em agosto de 2023. Está registada como intermediário financeiro na PolyReg SRO, uma organização suíça de autorregulação, o que abrange regras de branqueamento de capitais, KYC e conduta — mas não a proteção do investidor de uma licença ECSP europeia ou da MiFID II. Opera em euros, a partir de 50 € por projeto, com taxas base até 16 % ao ano mais bónus de fidelidade e de referência até 3 % cada, juros pagos mensalmente e mercado secundário para saída antecipada. A 31 de julho de 2026 reporta 133,2 M€ investidos desde o lançamento em 1.967 projetos, 47.743 investidores registados e um único incumprimento desde 2023, que foi regularizado.

Maclear AG is a Swiss peer-to-business crowdlending platform: investors lend directly to small and medium-sized European businesses that need money for growth, equipment, stock or marketing. Every deal is a separate loan you pick yourself from the project page, or automatically through AutoInvest rules based on interest rate, term and risk grade.

Before a project is listed it goes through multi-stage due diligence: compliance and AML screening, financial and legal review of the borrower and, where relevant, an on-site check. Borrowers are graded on a ten-step scale from AAA (exceptional) down to D (default), and the project only goes live once the Investment Project Approval Contract (IPAC) is signed. Loans are typically secured on real assets — property, equipment or receivables — with Maclear acting as collateral agent for every investor in the deal.

Interest is paid monthly; on many projects the principal is repaid in full at the end of the term rather than amortised, so plan for the whole 9–14 months. If a borrower is late, the provision fund — financed by a 2% commission Maclear charges on projects — can cover the interest instalment. It does not cover principal. Once a loan is more than 60 days overdue the recovery process starts, including enforcement of the collateral.

Operations are supervised by PolyReg SRO, a Swiss self-regulatory organisation. That mandate covers anti-money-laundering rules, KYC and conduct — it is not the investor-protection regime of an EU ECSP licence or MiFID II, and it does not guarantee that any individual deal performs as advertised.

• Account opening: free — no signup, KYC or maintenance fee for investors.
• Minimum investment: €50 per project.
• Deposits, investments and withdrawals: 0% on the platform side. Your own bank may still charge for cross-border transfers.
• Secondary market: sellers pay 2.5% of the sale price when a listing sells; buyers pay nothing, and nothing is charged if a 14-day listing expires unsold. Minimum transaction €30.
• Borrower side: Maclear earns its commission from the borrower, and 2% of the project amount goes into the provision fund.
• Tax: Maclear does not withhold. Interest is taxable where you are resident and you declare it yourself.

• Currency: EUR only.
• Deposit methods: SEPA bank transfer. Crypto is not supported.
• Minimum investment: €50 per project.
• Deposit processing: SEPA transfers usually credit within 1 business day.
• Withdrawal method: SEPA transfer to the bank account on file; no third-party withdrawals.
• Withdrawal processing: available cash typically arrives within 1–3 business days; money committed to live projects only returns as borrowers repay.
• Early exit: secondary market. A position can be listed after a 14-day holding period, at par or at a discount of up to 50% (premiums are not allowed). Listings run 14 days, positions bought on the secondary market cannot be relisted for 30 days, and a sale needs a buyer — around €2.7M changed hands in May 2026, but liquidity is never guaranteed.
• Auto-invest: AutoInvest allocates to new projects by interest rate, term and risk grade.

Maclear advertises base rates of up to 16.5% p.a., with a loyalty bonus of up to 3% and a 3% referral bonus on top for eligible investors. Independent reviews of real portfolios put realised returns closer to 14.5–14.9% once idle cash between projects is taken into account.

Platform figures as of 31 July 2026: €133.2M invested since launch across 1,967 projects for 47,743 registered investors, with €13.8M invested and €6.1M paid back to investors in July alone. The platform reports a single default since its first campaign in August 2023 — an Italian SME loan the founders covered personally rather than through collateral enforcement, which means the recovery mechanics have not been tested in practice.

Interest is paid monthly, principal on many projects only at maturity. Treat every headline figure as gross: defaults, late payments and cash waiting between projects all reduce what actually lands in your account.

• Website: maclear.ch
• Registered office: Maclear AG, Richtistrasse 7, 8304 Wallisellen, Switzerland
• Support: support@maclear.ch — confirm on the platform’s contact page before sending sensitive information.
• Leadership: Denis Ustjev (CEO, co-founder), Aleksandr Lang (CFO, co-founder).
• Regulator on file: PolyReg SRO — the registration can be checked in the PolyReg register.
• Public reviews: the feedback shown on this page is collected from publicly available review sources and published anonymised.
• Investor relations: Maclear publishes monthly investor updates on its blog — worth reading before allocating meaningful capital.