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

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

03.06.2026

3 min

Every borrower listed on Maclear must pass a multi-stage due diligence process before their project is published. This includes legal verification, AML background checks, a detailed questionnaire, and financial analysis. Projects that do not meet Maclear's risk threshold are rejected before investors ever see them.

Overview of the selection process

Maclear does not list projects on request. Each potential borrower submits a formal application and undergoes structured review. The process moves through three defined stages.

Stage 1 — Documentation review

The borrower submits statutory documents, certificates of beneficial owners, and extracts from independent credit bureaus. Maclear reviews the company's legal standing, ownership structure, and registration history.

Stage 2 — AML and background checks

Both the borrowing company and its management team undergo Anti-Money Laundering (AML) and KYB background checks. This includes screening against international watchlists and verification of the source of funds.

Stage 3 — Due diligence questionnaire and financial analysis

The borrower completes a detailed questionnaire of approximately 40 questions based on KYC and KYB standards, covering business history, management experience, source of wealth, and track record.

Simultaneously, the financial team reviews:

  • Balance sheets, profit and loss statements, and income statements
  • Debt-to-equity ratio and working capital ratio
  • Business plan, financial model, and repayment schedule
  • Collateral and guarantees backing the loan

Based on this analysis, Maclear assigns a risk score to the project. This score determines the interest rate offered to investors and whether the project is approved for listing. Projects that do not meet the scoring threshold are rejected at this stage.

What criteria must a Maclear borrower meet to be listed on the platform?

To be approved for listing, a borrower must demonstrate financial solvency, provide verified beneficial ownership information, pass AML screening, submit a viable business and repayment plan, and offer adequate collateral or guarantees. Maclear may reject a project in its sole discretion without providing a reason, as stated in the General Terms and Conditions.

What documents and due diligence checks does Maclear require from borrowers?

Required documentation includes: statutory company documents, beneficiary certificates, independent credit bureau extracts, balance sheets, profit and loss statements, income statements, and a completed due diligence questionnaire. Management and UBOs are subject to background checks and AML verification.

What steps does Maclear take to ensure a borrower can repay the loan?

Maclear verifies the borrower's financial obligations, creditworthiness, and payment history. It reviews the business plan, financial model, marketing strategy, and risk assessment. Collateral and guarantees are evaluated and must be in place before approval. A risk score is assigned and only projects meeting the required threshold are published. Ongoing borrower monitoring continues throughout the loan term.

How long does the Compliance stage last?

There is no fixed timeline for the Compliance review. The process takes as long as required to complete all checks thoroughly. Maclear does not publish estimated review durations for individual projects.

To find out when a project moves from Compliance to Open status, monitor the Primary Market section in your account. The project will appear as Open once the review is complete and the funding window is live.

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.

What interest rates can investors earn on Maclear?

Maclear projects offer fixed annual rates of 14–16% APR, up to 16.5% with the Loyalty Bonus. The rate is set by the borrower's risk score during due diligence — higher risk earns a higher rate. Once a project reaches Funded status, the rate is locked for the full loan term, regardless of market conditions. Investor capital remains at risk of loss.

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.