What types of investment projects are available on Maclear?

Every project on Maclear moves through a defined sequence of statuses from verification to full repayment. There are five statuses investors encounter: Open, Prefunded, Funded, Repaid, and Not Funded. Each status tells you exactly where the project stands and what is happening to your funds at that moment.

Project lifecycle overview

Before a project appears as Open, it passes through an internal compliance review — documents are checked and the project is verified. At this stage it may appear as Coming Soon on the platform with investing disabled.

Once approved, the project enters the following sequence:

Open — The project is actively accepting investments. Funds committed during this stage are placed in Reserved status. The project remains Open until it reaches its target funding amount or the deadline expires.

Prefunded — The target amount has been reached. A Loan Agreement is signed and the funds are transferred to the borrower's account within 2–3 business days. Investor funds remain in Reserved status during this transition.

Funded — The loan has been disbursed. All Reserved investments automatically become Invested, a repayment schedule is published on the project page, and interest accrual begins.

Repaid — The borrower has completed all scheduled interest and principal payments. The project is closed and the transaction appears in your account history.

Not Funded — If the project does not reach its minimum funding target by the deadline, it is marked as Not Funded. All Reserved funds are immediately returned to your Available balance — no action required.

What project statuses does Maclear use? (Open, Prefunded, Funded, Repaid, Not Funded)

Open: fundraising active, your funds are Reserved, no interest accruing. Prefunded: target reached, transfer in progress, funds still Reserved, no interest. Funded: loan disbursed, funds become Invested, interest accrues. Repaid: all payments complete, funds returned. Not Funded: target not reached, Reserved funds returned to Available balance immediately.

What is a project status on Maclear?

A project status is the current position in the lifecycle sequence: Compliance → Open → Prefunded → Funded → Repaid. The status determines what actions are available, whether investments are accepted, and whether interest is being calculated

What is a project stage on Maclear?

A project stage is a separate sequential funding round within the same project. Some borrowers on Maclear raise capital across multiple stages — each with its own funding target, open period, and investment window. When one stage closes, a subsequent stage may open for the same underlying borrower and project.

Each stage is treated as an independent investment opportunity. You can invest in one stage, several, or all — depending on your strategy. Interest is calculated separately for each stage from the date that stage reaches Funded status.

Stages are opened sequentially, not simultaneously. A new stage does not open until the previous one has closed.

Can a Maclear project go from Funded back to Prefunded status?

No. Once a project reaches Funded status, the transition is final. The loan has been disbursed and the repayment schedule has begun. Status changes only move forward in the lifecycle.

Where can I see the current status of my projects on Maclear?

All active and completed investments are visible in your account under My Investments. Each entry shows the project name, current status, invested amount, and accrued interest. The project page also displays the full repayment schedule once the project is Funded.

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.