How is investment interest calculated on Maclear and when does it start accruing?

Interest on Maclear investments starts accruing from the date the loan is transferred to the borrower — the point at which the project reaches Funded status. Payments are distributed monthly throughout the loan term. Funds in Reserved status and uninvested funds do not earn interest.

When interest starts

Interest accrual begins on the date the loan amount is successfully transferred to the borrower. This happens when the project moves from Prefunded to Funded. The transfer process typically takes up to 10 business days after you confirm your investment, accounting for the fundraising period and the Prefunded stage.

You do not earn interest while your funds are in Reserved status — only once the project is Funded and your investment becomes Invested does the clock start.

Monthly payments

Interest is paid monthly throughout the loan term, on the schedule published in the Repayment Schedule. Each payment reflects the interest earned on your invested amount for that month. Principal is returned according to the loan structure — some projects use annuity schedules (combined principal and interest each month), while others have bullet structures (principal returned at the end).

When will I receive interest payments from Maclear projects?

Interest payments are made monthly, on the dates set in the Repayment Schedule for each project. You can view the upcoming payment dates and expected amounts directly on the project page or in your account under My Investments. Payments are credited to your Available balance. The principal amount is returned with the final interest payment at the end of the loan term.

Do I earn interest on uninvested funds on Maclear?

No. Funds held in your Available balance that have not been committed to a project do not accrue interest. Interest is earned only on funds in Invested status — meaning the project has reached Funded status and the loan has been disbursed.

How does Maclear calculate interest yield and distribute monthly payments?

Monthly interest is calculated based on your investment amount and the project's fixed annual rate. The calculation is: monthly interest = invested amount × (annual rate ÷ 12). For example, €1,000 invested at 15% APR generates €12.50 in interest per month. Maclear collects payments from the borrower and credits the corresponding amount to each investor's account without delay after receipt, proportional to their share of the total project funding.

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.