What happens after you click Invest on Maclear: step-by-step breakdown

When you click Invest and confirm your transaction on Maclear, your funds are immediately moved to Reserved status and committed to the project. The full process follows four stages: reservation → Prefunded → Funded → first interest payment. Most investors receive their first interest payment within 30–40 days of investing, depending on how quickly the project reaches its funding target. Here is exactly what happens at each stage.

Step 1 — Reservation

Your funds are reserved for the project. They remain in Reserved status until the project reaches its full funding target. During this period, the funds are not yet invested and do not earn interest. You can view your reserved investments in My Investments.

Step 2 — Project reaches target (Prefunded)

Once the project reaches its funding target, the fundraising period closes and the project moves to Prefunded status. At this point, a Loan Agreement is signed and the funds are transferred to the borrower's account within 2–3 business days. Your reservation remains in place.

Step 3 — Loan disbursed (Funded)

Once all agreements are finalized and the loan is disbursed to the borrower, the project transitions to Funded status. Your Reserved funds automatically become Invested. You will receive links to the Claim Assignment Agreement and Repayment Schedule by email — both documents are also accessible from the Funded Project page in your account.

Note for first-time investors: after your first investment, a banner will appear on your Overview, Deposit/Withdraw, and Referrals pages prompting you to sign Form A. Until Form A is signed, further investments and AutoInvest are not available. The banner disappears once signing is complete.

Step 4 — Interest begins accruing

Interest starts accruing from the date the loan is transferred to the borrower. The transfer process typically takes up to 10 business days after the project reaches Funded status. Interest payments are made monthly according to the Repayment Schedule.

What happens if the project does not reach its funding target?

If the project fails to reach the minimum target amount, the Loan Agreement is not executed. All Reserved funds are automatically released and become Available in your account balance. No action is required on your part.

Can I cancel my investment after clicking Invest?

No. Once you confirm an investment, the reservation is binding and cannot be cancelled. If you need to exit your position after the project is funded, you can list it on the Secondary Market.

How long does the entire process take from investment to first payment?

It depends on how quickly the project reaches its funding target — most projects fund within 30 days or faster. After funding, loan disbursement takes up to 10 business days. The first interest payment follows the Repayment Schedule, typically one month after the Funded date.

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