Maclear / Getting Started / About Maclear / What is Maclear: how the P2P crowdlending platform works

What is Maclear: how the P2P crowdlending platform works

06/24/2026

2 min

Maclear is a Swiss-regulated crowdlending platform founded in 2020, connecting investors with European SMEs seeking financing. Investors fund business loans directly — earning fixed interest of 14–16% per year — while businesses access capital faster than through traditional banks. Maclear AG is a member of PolyReg SRO, supervised by FINMA. Minimum investment: €50.

When a business loan is approved and listed on the platform, investors can contribute from €50. Their funds are pooled until the project reaches its target. Once fully funded, the loan is transferred to the borrower, who repays it according to a fixed schedule — principal plus interest — back to investors' accounts on the platform.

Maclear does not lend its own money. The platform operates as a regulated financial intermediary: it selects and verifies borrowing projects, manages the legal structure of each loan, and ensures repayments reach investors on time.

Is Maclear safe?

Maclear AG is registered in Switzerland and operates under SRO/PolyReg supervision within the FINMA regulatory framework. All investors undergo identity verification (KYC) before accessing the platform. A Provision Fund provides an additional layer of protection for investor interest payments.

Is Maclear regulated by FINMA?

Maclear AG is a member of PolyReg SRO — a self-regulatory organization directly supervised by FINMA, the Swiss Financial Market Supervisory Authority. This means the platform operates under Swiss AML and financial intermediary regulations.

How does Maclear work for investors?

Investors register, complete KYC verification, deposit funds (minimum €50 via SEPA), and select projects from the primary market. Returns are paid monthly according to each project's repayment schedule. Funds can also be deployed automatically via AutoInvest.

Platform figures (сделать автоматическое обновление данных):

  • €96.1M+ total funded

  • €26.9M+ repaid to investors

  • 34,430+ registered investors

  • 1 / 0 — default / currently late loans

    • 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


    Learn more on maclear.ch

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    What documents does a company need to register on Maclear?

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