Maclear

A Maclear é uma plataforma suíça de crowdlending especializada em empréstimos a empresas e projetos para PMEs europeias selecionadas. A equipa enfatiza screening rigoroso de mutuários, condições transparentes e uma experiência de retalho limpa, com investimentos a partir de 100 € e rentabilidades-alvo entre um dígito alto e um dígito baixo duplo.

Maclear is a sme crowdfunding platform headquartered in Switzerland. Retail and accredited investors fund debt, p2p lending opportunities project-by-project — either manually after reading the disclosure pack, or via an auto-invest strategy that allocates across new deals according to your filters (yield, term, region, originator score). The platform handles deal sourcing, underwriting, KYC and ongoing servicing on behalf of every investor on its cap table.

Each deal is presented with a project page that includes the borrower / sponsor identity, the use of funds, the security or collateral structure, the headline yield and the repayment schedule. Minimum ticket sizes start at €50 and typical deal terms run 12 months. When a deal is fully funded, capital is released to the borrower and scheduled returns (interest, dividends, capital amortisation) post to your investor account on the dates specified in the loan agreement.

Operations are supervised by VQF (Swiss FINMA-recognised SRO). Supervision covers conduct, disclosure, segregation of investor cash, marketing standards and the platform’s own capital adequacy — it does not, however, guarantee that an individual deal will perform as advertised. Investors retain full project-level risk on every loan or equity stake they buy.

Once an investor has built a portfolio of 20–30 positions, performance is best assessed against the platform’s historical default rate, recovery rate on workouts, and the relative performance of its loan book through prior macro cycles. Reinvestment can be automated to compound returns; withdrawals go out via SEPA or local bank transfer to the account on file, usually within 1–3 business days for available cash.

• Account opening: free — there is no signup, KYC or annual maintenance fee for investors.
• Minimum deposit: €50 per transaction. There is no upper limit for retail accounts; institutional and family-office tickets are negotiated separately.
• Deposit fees: SEPA and local bank transfers are free. Cross-border SWIFT may incur correspondent-bank charges set by your bank, not the platform.
• Investment fees: typically zero on the investor side — the platform earns from origination / servicing fees paid by the borrower or sponsor, and that economic burden is already reflected in the headline yield.
• Servicing fees: some platforms levy a small annual servicing fee (often 0.5–1 %) on outstanding principal; check the latest fee schedule on the platform’s legal page before allocating size.
• Withdrawal fees: free for in-region SEPA or local bank transfers; non-EUR / non-local withdrawals may incur a small fixed bank fee.
• Secondary-market fees: when a secondary market exists, sellers typically pay a 0.5–1 % transaction fee on the realised price; check before listing.
• Tax: interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically — investors report income in their annual return and may apply double-tax-treaty relief where available.

• Deposit methods: SEPA bank transfer, card payment. Crypto is not supported.
• Minimum deposit: €100 per transaction. No upper limit for retail accounts.
• Deposit processing: SEPA usually credits within 1 business day; instant SEPA arrives in minutes where supported.
• 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; funds locked in active loans only return as borrowers repay.
• Early exit: No secondary market — plan on holding loans to maturity.

The platform advertises target gross yields in the 8–12% APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.

Track record is best read against the Switzerland macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.

• Website: maclear.ch
• Support email: typically support@maclear.ch — confirm on the platform’s contact page before sending sensitive information.
• Registered office: Switzerland (verify the exact address on the platform’s legal page).
• Public reviews: Trustpilot aggregates the investor feedback we ingest.
• Regulator on file: VQF (Swiss FINMA-recognised SRO).
• Investor relations: Maclear publishes monthly performance and loan-book updates on its blog and newsletter — subscribe before allocating meaningful capital.