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What interest rates can investors earn on Maclear?

03.06.2026

2 Min.

Maclear projects offer fixed annual interest rates of 14–16% APR on base projects. With applicable loyalty bonuses, the total yield can reach up to 16.5% per annum. Rates are fixed for the full loan term and do not change after a project is funded.

How interest rates are set

The interest rate on each Maclear project is determined during the borrower due diligence process. Maclear's risk scoring model evaluates the borrower's financial health, collateral quality, and risk profile. The resulting risk score directly influences the interest rate assigned to the project — higher-risk projects carry higher rates.

All rates on the platform are expressed as annual percentage rates (APR). The rate displayed on a project page is the rate you will receive for the full duration of the loan — it does not fluctuate with market conditions.

Bonus yield

Eligible investors can increase their effective yield above the base rate through Maclear's bonus programs, including the Loyalty Bonus. The maximum combined yield including bonuses is up to 16.5% per annum. Bonus terms and eligibility conditions are described separately.

Are interest rates on Maclear projects fixed or variable?

Fixed. All loans on the Maclear platform carry a fixed interest rate for the entire loan term. Once a project is Funded, the rate does not change regardless of market conditions. This applies to both the borrower's obligations and the investor's expected return.

What determines the interest rate on a Maclear project?

The rate is set based on the borrower's risk score, which reflects financial health, collateral value, and credit history. Higher-risk borrowers receive a higher rate, which is passed on to investors. Projects that do not meet the minimum risk threshold are not listed. The final rate is confirmed in the Loan Agreement.

Can the interest rate on my investment change after I invest?

No. The rate is locked when the project reaches Funded status. If you invest during the Open or Prefunded stage, the rate shown on the project page is the rate you will receive throughout the loan term.


Rates shown as of April 2026; subject to project availability.

Risk disclosure: Crowdlending involves risk, including the possible loss of capital. Past performance is not a guarantee of future returns. Invest only what you can afford to lose.

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


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Where to find the Repayment Schedule and Claim Assignment Agreement on Maclear

When a Maclear project reaches Funded status, two legal documents are generated — the Repayment Schedule with every payment date, interest, and principal, and the Claim Assignment Agreement, which transfers a proportional share of the loan claim to you and authorises Maclear as Collateral Agent. Both arrive by email and live on the funded project page.

How long does fundraising take on Maclear and what happens if the target is not reached?

Maclear projects raise funds for up to 30 days, though many fill earlier. Once the target is reached, the window closes and the project moves to Prefunded. If the minimum target isn't met by the deadline, the project becomes Not Funded and all Reserved funds release back to the Available balance immediately — no action or waiting period required.

How does Maclear select and verify borrowers: due diligence process and listing criteria

Every Maclear borrower passes a three-stage due diligence process before listing: documentation review (statutory docs, ownership, credit bureau extracts), AML and KYB background checks against international watchlists, and a 40-question questionnaire alongside financial analysis covering balance sheets, P&L, debt-to-equity ratio, and collateral. Projects below Maclear's risk threshold are rejected before investors see them.

What types of investment projects are available on Maclear?

Maclear projects move through five statuses: Open (accepting investments, funds Reserved), Prefunded (target reached, loan in transit), Funded (loan disbursed, interest accruing), Repaid (all payments complete), and Not Funded (target missed, Reserved funds returned). Each status determines whether interest accrues and what actions are available.