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

What is Maclear: how the P2P crowdlending platform works

08/03/2026

4 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:

  • €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.

See also: How to make your first investment on Maclear: step-by-step walkthrough · How is Maclear regulated: SRO membership, PolyReg, and Swiss law explained · Why do borrowers choose Maclear instead of a bank?

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


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Who can invest on Maclear: eligibility requirements and country restrictions

Maclear accepts private investors and legal entities residing in 44 countries across Europe, the EEA, and the UK. The age range is 18–85, and any SEPA-compatible bank account works for deposits and withdrawals. AML policy permits one personal account per individual, plus a separate company account if needed. US residents are not eligible.

P2P investing glossary: key Maclear terms explained

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How to make your first investment on Maclear: step-by-step walkthrough

Before investing, complete KYC, Proof of Address, and deposit funds. To place a first investment on Maclear, open the Projects section, review a project's APR, term, borrower profile, and risk score, enter an amount of €50 or more, and confirm. Funds move to Reserved until the project reaches its funding target, then transition to Funded with monthly interest.

Minimum investment amount on Maclear: how much do you need to start?

The Maclear minimum investment is €50 on the Primary Market and €30 on the Secondary Market. There is no minimum account balance required between investments. With €50 you can fund a single project; with €500 you can spread across ten projects — which is also the threshold for Maclear's Loyalty Bonus programme.