How does Maclear protect investor money: financial security measures explained

Maclear uses a layered approach to investor protection: rigorous borrower due diligence, risk-based scoring, collateral and guarantees on every project, a dedicated Provision Fund, and active loan monitoring throughout the term. Each layer addresses a different point of risk — from preventing unsuitable projects from being listed to recovering funds if a borrower defaults.

Layer 1 — Borrower due diligence and risk scoring

Before any project is listed, the borrower passes a multi-stage verification process covering legal documentation, AML background checks, financial analysis, and a risk score. Projects that do not meet Maclear's threshold are rejected at this stage. See Article for the full process.

Layer 2 — Collateral and guarantees

Each funded project is backed by collateral or additional securities provided by the borrower. Maclear acts as Collateral Agent on behalf of all investors — meaning it holds the pledged assets and can enforce them on investors' behalf without requiring individual legal action from each investor.

Layer 3 — Provision Fund

2% of every funded project is allocated to the Provision Fund, held in a segregated bank account. If a borrower falls behind on interest payments, the Provision Fund covers investor interest until the borrower resumes or enforcement begins. The fund is audited annually by Grant Thornton AG.

Layer 4 — Active monitoring and enforcement process

Maclear monitors all borrower repayments and takes structured action at defined delay thresholds: 3 days, 30 days, and 60 days. At 60 days, legal proceedings and collateral enforcement are initiated. The full response process is described in Article.

What role does collateral play in protecting Maclear investors?

Collateral is a pledged asset — property, equipment, receivables, or other securities — that the borrower provides as security for the loan. If the borrower defaults, Maclear as Collateral Agent enforces and sells the pledged asset, with proceeds distributed among investors. Collateral reduces the risk of principal loss even in default scenarios.

What is the Claim Assignment Agreement and why does it matter for investor protection?

The Claim Assignment Agreement signed by each investor formally authorises Maclear to act on their behalf in all debt collection and enforcement matters. Without this authorisation, investors would need to pursue borrowers individually. By signing, all investors in a project act collectively through Maclear, which significantly increases the effectiveness of enforcement.

Has Maclear's protection framework ever been tested in a real default?

Yes. In July 2025, Vibroedil S.R.L. — a Maclear-financed company in Italy — entered bankruptcy proceedings. Maclear's structured recovery approach, including direct negotiations with the borrower, resulted in all participating investors receiving 100% of their principal back. The Provision Fund was not required. The case demonstrated that the protection framework functions as designed. Full details are in Article.

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.