Plataforma suíça de crowdlending P2B para PME europeias.
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. A empresa foi fundada em 2019, 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 16,5 % 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.
A plataforma paga o que promete?
A rentabilidade corresponde à anunciada?
Recebe os factos necessários — incluindo as más notícias?
Quanto trabalho dá realmente investir?
Há alguém do outro lado?
Com que facilidade o dinheiro entra — e volta a sair?
Há oferta suficiente para montar uma carteira?
O que é que a plataforma retém?
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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.
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.
Suited to investors who want secured SME exposure in euro over a 9–14 month horizon and are comfortable with default risk and with an SRO-registered rather than ECSP-licensed platform. Minimum ticket €50; 20–30 projects for adequate diversification. A complement to traditional fixed income, not a substitute.
Capital at risk. Loans on Maclear are not bank deposits and are not covered by any deposit-guarantee scheme. You can lose part or all of your capital.
Regulatory scope. PolyReg SRO registration covers anti-money-laundering and conduct obligations. It is not an EU ECSP licence or MiFID II authorisation, and it carries no investor-compensation scheme.
Default risk. Borrowers can stop paying. The provision fund may cover the interest instalment during a temporary delay but never the principal; past 60 days overdue, recovery runs through enforcement of the collateral, which is slow and partial in stressed scenarios. Only one default has occurred since 2023 and the founders settled it personally, so that enforcement path remains untested.
Liquidity risk. The secondary market allows an early exit but does not guarantee one: a listing runs 14 days, needs a buyer, and selling at a discount reduces your return.
Concentration risk. Deal flow is concentrated in European SMEs, with a strong weighting to Eastern Europe.
Tax. Interest is taxable in your country of residence; Maclear does not withhold.
support@maclear.ch — confirm on the platform’s contact page before sending sensitive information.Maclear AG is registered as a financial intermediary with PolyReg SRO, a Swiss self-regulatory organisation, and applies AML, KYC and GDPR rules. That is supervision of anti-money-laundering and conduct — it is not an EU ECSP licence or MiFID II authorisation, there is no investor-compensation scheme behind it, and it does not guarantee that any individual project performs as advertised.
Yes. 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. Sellers pay 2.5% on a completed sale, buyers pay nothing, the minimum transaction is €30 and a listing runs for 14 days. Around €2.7M traded in May 2026. Liquidity is not guaranteed: a sale still depends on someone buying.
Yes. AutoInvest builds the portfolio for you from rules you set — interest rate, term and risk grade — and funds matching projects as they go live.
Base rates run up to 16.5% a year, with a loyalty bonus of up to 3% and a 3% referral bonus for eligible investors. Realised returns on real portfolios are reported closer to 14.5–14.9% once cash drag between projects is included. Interest is paid monthly; principal on many projects comes back only at maturity.
The minimum is €50 per project, in euro. Deposits, investments and withdrawals carry no platform fee; the only investor-side fee is 2.5% when you sell a position on the secondary market.
During a temporary delay the provision fund — replenished by a 2% commission charged on projects — can cover the interest instalment. It does not cover principal. Once a loan is more than 60 days overdue, Maclear starts the recovery process, including realisation of the collateral. One default has occurred since the platform launched in 2023; it was settled, with the founders covering the loss personally rather than through enforcement.
Every project goes through multi-stage due diligence — compliance and AML screening, financial and legal review, and on-site checks where relevant. Borrowers are scored on a ten-step scale from AAA (exceptional) to D (default), and a project is only listed once the Investment Project Approval Contract (IPAC) is signed. Most loans are secured on property, equipment or receivables, with Maclear acting as collateral agent.
Most projects run 9–14 months. Interest is paid monthly, while the principal on many deals is returned in full at the end of the term, so treat the stated term as the real lock-up unless you sell on the secondary market.
Yes. Interest is taxable in your country of residence and Maclear does not withhold at source — you report the income in your annual return and apply any double-tax-treaty relief yourself.
SRO registration brings no investor-compensation scheme, so this is a real risk to size for. The loans you hold are contractual claims on the borrowers rather than on the platform, and Maclear holds the collateral as agent for investors, but an orderly wind-down would still depend on a servicer taking over collection — a process that typically takes 12–24 months and rarely recovers everything. Read the platform’s current terms for how client money is held before committing meaningful capital.
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Maclear helpdesk respons is very good and fast. They take the time for you to solve a problem. I like Maclear and recommend them, they make it easy for you, you are not alone. This gives a sense of security and peace.
The company provides good opportunities for investment with informative analysis of its investment partners.
Transfers from Bankinter (Spain) do not work properly: –If made to the UK account, they may arrive incomplete, and –it is impossible to make them to the Finnish account, whereas transfers from other banks go through without any issues. When initiating the transfer, Bankinter automatically assigns a BIC code to the beneficiary bank that has a P as the third character instead of an R. With the code you show on the Maclear page (the one with the R), the transfer isn’t even initiated, but using the automatically assigned code, it never goes through, and the Finnish "bank" gives incorrect reasons, such as claiming they only accept transfers in euros or SEPA transfers.
Good experience
Absolutely professional company.whenever I need help they are there.i m not long with Maclear but what Ive seen until now is a good response from them ,interest always paid on time and its a pleasure to work with such company.Sunny greetings from Croatia
i love this platform, its very very very good, omg!!!!!
Good returns and punctual payments. No problems.
Although I invest in Maclear since its beginning December 2023, although the payments are on time and there isn't any problem with withdrawals, there isn't any transparency on financial audit reports. They promised to be announced in next within weeks since April and still nothing. I'm going to re-evaluate this review when you are going to be more reliable about the promises you give. Sorry Maclear but there are so P2P platforms and most of them have already announced audit reports of the year 2025
Easily investmentents with higher return towards general banking products.
Maclear has done a good job of always maintaining few projects in the main market for investment, and during my 18 months of experience with this platform, all the payments were on time without any delay.
Reliable and with plenty of projects
Very efficient, very clear.