Maclear review 2025
Read our Maclear review to decide if you should use the P2P platform.
Maclear
Pros
Cons
Maclear review summary:
Maclear is one of the most promising P2P lending platforms of the year. The platform is regulated and offers high returns of up to 15%, no cash drag, and a Provision Fund for investment protection. It has excellent customer service and positive Trustpilot reviews and does not withhold taxes, unlike many other platforms. However, it offers limited investment opportunities and lacks transparency about the Provision Fund’s size. It also currently lacks an auto-invest feature. Despite these limitations, its high returns, user-friendly interface, and regulatory oversight make it a promising investment option.
It’s 100% free to open an account
Introduction to our Maclear review
This Maclear review helps potential investors decide if Maclear suits their needs, reflecting our viewpoints and experiences rather than offering financial advice. Below are the topics covered — click the links to learn more.
Learn about the following in our Maclear review:
- What is Maclear?
- What is the return on Maclear?
- Is it safe to invest on Maclear?
- Who can invest on Maclear?
- How to invest on Maclear?
- How to withdraw money from Maclear?
- What are the best Maclear alternatives?
- Conclusion of our Maclear review
What is Maclear?
Maclear is a peer-to-business lending platform based in Zürich, Switzerland. It was launched in May 2023 by the co-founders Denis Ustjev and Aleksandr Nikitin and offers advertised returns of up to 15%.
Maclear works by allowing individual investors to pool their money and lend it to companies seeking capital for growth, such as purchasing equipment or expanding operations. These companies repay the loans with interest, which is then passed on to the investors.
The platform has around 4,700 investors who have collectively funded over €13 million worth of loans.
Maclear AG is regulated in Switzerland by a Self-Regulatory Organization (SRO), under the oversight of the Swiss Financial Market Supervisory Authority (FINMA).
Maclear statistics:
| Launched: | 2023 |
| Investors: | 4,700 + |
| Interest rate: | 13.5-19.5 % |
| Loan period: | 12 months |
| Loan type: | Business |
| Loans funded: | € 13,000,000 + |
| Min. investment: | € 50 |
| Max. investment: | Unlimited |
Maclear Trustpilot rating
Maclear has received a TrustScore of 4.6/5 based on 170 reviews on Trustpilot. Users commend its competitive interest rates, timely payments, and user-friendly interface, but also mention registration hurdles, a no-longer applicable withdrawal fee, and incentivized reviews. Despite these reservations, many investors remain satisfied with its consistent returns and reliable customer support.
What is the return on Maclear?
Maclear’s average annual investment return is 14.5%. This figure ranks on the higher end among P2B lending platforms and can signal a corresponding increase in risk. However, Maclear utilizes collateral-backed projects, helping to provide added security and reliable returns for investors.
The interest rates on Maclear ranges from 13.5% to 19.5%, positioning the platform as a competitive option in the market. Past performance suggests that returns have remained relatively stable, with timely payouts and consistent earnings. While minimal cash drag may arise when funds await project funding, Maclear generally offers sufficient investment opportunities to keep idle balances low, thus helping to maintain overall yield.
Time-limited welcome bonus
Readers of this Maclear review are eligible for a 1.5% cashback bonus on all investments for 90 days. To unlock this time-limited offer, new investors must sign up using the button below and invest at least €50. No Maclear promo code is required.
Does Maclear withhold taxes?
Maclear does not withhold taxes from your earnings, which simplifies managing your tax obligations. This approach differs from some competitors like Debitum, Crowdpear and Mintos, which automatically withhold a portion of your earnings for tax purposes.
Tax report
Maclear provides a tax report to help you declare your earnings to local authorities. You can easily download your income statement from your dashboard, making it more convenient to handle your tax reporting requirements.
Is it safe to invest on Maclear?
Maclear is one of the safest P2B lending platforms in Europe. It has been operating reliably since 2023, with no capital loss reported for investors. The current default rate is 0%, and all investments are protected by collateral and a provision fund.
Maclear AG is regulated in Switzerland by a Self-Regulatory Organization (SRO), operating under the oversight of FINMA, which implies that the platform is legitimate and not a scam.
Collateral
To protect investments from borrower default and other risks, Maclear uses collateral and guarantees provided by the borrowers. The collateral could be in the form of assets, production equipment, machinery, or other valuable items that the borrower pledges as security for the loan.
Prior to accepting these pledges, Maclear conducts thorough risk assessments and project scoring. This process is aimed at verifying the solvency of the borrower and the value of the collateral. In the event that the borrower is unable to meet their loan obligations, Maclear, acting as a collateral agent, has the right to enforce the collection and sale of the pledged collateral.
The proceeds from this sale are then used to fulfill the financial obligations to the investors, which include both the principal amount of the loan and the interest payments. This mechanism is designed to ensure the stability of the returns for the investors.
Maclear Provision Fund
The Provision Fund is a safety feature on Maclear, protecting investors against borrower default or late payments.
The fund is filled with 2% of successfully funded projects and commissions earned by Maclear on the secondary market.
If a borrower defaults or delays payment, the fund covers investors’ principal and interest until the borrower resumes payment or the debt is legally collected.
Despite reducing investment risks, the Provision Fund is not 100% safe, as it may not cover all investments if more projects default than there are funds available.
Two-factor authentication
Maclear offers two-factor authentication (2FA) to strengthen account security. This feature works with the Google Authenticator app, generating unique, time-based passcodes that protect investor funds from unauthorized access. Since hackers have targeted P2P lending platforms in the past, enabling 2FA is strongly recommended.
Who can invest on Maclear?
It is possible for both private individuals and companies to invest via the Maclear platform.
Individuals
To create a user as an individual, you must meet the following requirements:
- Be a least 18 years old
- Live in the European Economic Area (EAA)
If you match the aforementioned qualifications, getting started with Maclear is simple.
Companies
You can use your company, if you own one, to make investments through Maclear.
Instead of signing up as an individual, you must simply select “Company account” in the registration process.
Available countries
Maclear is available to investors in the European Economic Area (European Union, Iceland, Liechtenstein, and Norway) and Switzerland.
If you are looking for other platforms that are available outside of Europe, you should check out Bondster or Lendermarket instead.
Do you meet the requirements to sign up as an investor at Maclear? Then press the button below to get to their website. From here you can quickly create a free account and get started investing:
How to invest on Maclear?
Before you can start investing on Maclear, you must complete the following steps:
- Sign up on the Maclear website.
- Verify your identity.
- Complete the KYC questionnaire.
- Deposit funds into your account.
The entire registration process usually takes about 5-10 minutes, including signing up, verifying your identity, filling out any required questionnaires, and making your first deposit.
You can deposit money into your Maclear account using SEPA transfers. The minimum deposit is €0.01, and funds typically arrive within 1-3 business days. It is only possible to deposit funds in Euros (EUR).
Once you have funded your account, you can start investing in business loans on the platform. Maclear supports only manual investing. Unlike competitors such as Debitum and Indemo, it does not offer an option to invest automatically.
How to withdraw money from Maclear?
You can withdraw your uninvested funds from Maclear at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €50 and it usually takes 1-2 business days for your funds to arrive in your bank account.
Macleaer does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.
To exit Maclear, you must first sell any existing loans on the secondary market. If you hold non-performing loans, the platform must first recover the underlying debt before allowing withdrawals, which can negatively affect your liquidity.
Maclear secondary market
Maclear offers a secondary market for all its investments, allowing users to sell their investments and exit the platform. While sellers are charged a performance-based fee of 2.5% only if the investment is sold within 14 days, buyers can use the secondary market without any fees.
The time it takes to sell investments on the Maclear secondary market varies based on the price set by the seller and current market conditions. Sellers have the flexibility to list loans at face value or to apply discounts of up to 50% to attract potential buyers.
Loans bought on the primary market can be sold immediately on the secondary market, while those purchased on the secondary market must be held for 30 days before resale.
While Maclear’s secondary market is free for sales made after 14 days, LANDE can be a better alternative for investors looking for a secondary market with no fees.
What are the best Maclear alternatives?
Some of the best alternatives to Maclear are Debitum, Crowdpear, HeavyFinance, Nordstreet, Scramble, LANDE and Moniflo. These P2B lending platforms offer a range of unique projects that set them apart from Maclear.
Conclusion of our Maclear review
Maclear is one of the best P2P lending platforms in Europe for Swiss-regulated business loans. The platform sets itself apart from competitors due to its oversight by a Self-Regulatory Organization (under FINMA), transparent collateral procedures, and a Provision Fund that adds a layer of security for investors.
While Maclear provides high returns of up to 15%, responsive customer service, and does not withhold taxes, investors should be aware of its relatively short track record, limited number of loan opportunities, and the lack of an auto-invest feature.
Maclear is suitable for investors seeking strong yields backed by Swiss regulation, and who are comfortable with a smaller yet well-structured platform. It might not be ideal for those who prefer a more extensive loan portfolio or a longer operating history.
Would you like to invest via the platform after reading our Maclear review? Then press the button below to sign up and get started:
