Maclear Review: Returns, Risks & Investor Experience

Swiss-regulated P2P platform offering high-yield business loans backed by collateral, with zero investor fees.

Looking for high-yield passive income from European businesses? Maclear is a Swiss-regulated P2P platform specializing in collateral-backed business and consumer loans. With expected returns up to 16.5% and a strict zero-fee policy for investors, it targets those seeking stability associated with Swiss regulation alongside high returns typical of the P2P space.

What is it?

Maclear is a P2B (Peer-to-Business) crowdlending marketplace established in May 2023, based and regulated in Switzerland (supervised by a Self-Regulated Organization, PolyReg Services GmbH SRO). It connects retail investors with European SMEs seeking funding for growth projects. The platform emphasizes rigorous due diligence, collateral-backed investments, and a perfect track record with zero reported defaults since launch.

Why Invest?

Investors are drawn to Maclear primarily for its high fixed interest rates (up to 16.5%), the perceived security of Swiss regulation, and a transparent zero-fee structure (0% on deposits, investments, and withdrawals). The platform also offers monthly interest payments and a secondary market, providing a blend of high returns and decent liquidity.

How It Works

The process is simple: 1. Register and verify identity. 2. Deposit funds (free of charge). 3. Choose a verified project (Business or Consumer loan) and invest from just €50. 4. Receive fixed monthly interest payments, allowing for compounding or withdrawal. Maclear handles multi-stage due diligence and risk assessment before projects are listed.

Investment Options

🏢 Business Loans (SME Financing)

Funding requests from European companies for growth projects, equipment purchases, or working capital. These loans are typically backed by collateral (equipment) and undergo multi-stage due diligence.

💰 Consumer Loans

Shorter-term loans offered to consumers, sometimes listed alongside business loans, typically offering high interest rates (up to 21.5% seen on the platform).

Key Characteristics

• Swiss-regulated P2P/Crowdlending platform
• Zero investor fees (0% deposit, investment, withdrawal)
• High expected returns (up to 16.5% net)
• Low minimum investment of €50
• Loans are collateral-backed (equipment)
• Monthly interest payouts
• Secondary market available for early exit
• Loyalty bonus program (up to 3% additional return)
• Focus on European business and consumer loans
• Perfect track record since May 2023 (zero defaults reported)

Investment Details

Loan Types: Business loans (SME), Consumer loans

Liquidity: Short to medium term, typically 2 to 14 months (observed project terms)

Fees:

• Platform fee: 0%
• Withdrawal fee: 0%
• 0% deposit fees

Risk Assessment

Risk Level: Medium

Risk Factors:

• Track record is short (launched May 2023), lacking performance data through a major economic downturn.
• High interest rates (up to 23.3%) suggest higher underlying borrower risk.
• Limited transparency on full financial reports (acknowledged by management).
• Reliance on the secondary market for liquidity.

Risk Mitigation:

• Collateral backing on loans
• Regulation and supervision by Swiss SRO (PolyReg)
• Zero historical defaults reported
• Rigorous credit scoring and due diligence

Investor Profiles

📈 Growth Seeker

Ideal for investors prioritizing high yield, as Maclear offers some of the highest advertised returns in the P2P market (up to 16.5%) combined with loyalty bonuses.

💸 Fee-Sensitive Investor

The zero-fee structure on all investor transactions makes Maclear highly attractive to those who want 100% of their advertised returns without hidden costs.

🌍 Diversifier (European Focus)

Suitable for investors looking for European exposure, particularly in SME financing, while seeking the perceived stability of a Swiss-regulated entity.

Pros & Cons

Pros

• ✅ Zero investor fees (deposits, investments, withdrawals)
• ✅ Very high potential returns (up to 16.5% net, 23%+ observed project rates)
• ✅ Swiss-regulated and SRO-supervised
• ✅ Loans are secured by collateral (equipment)
• ✅ Low entry barrier (€50 minimum investment)
• ✅ Secondary market available for liquidity

Cons

• ❌ Short track record (launched May 2023)
• ❌ No mobile application or automated investment tool (Robo-advisor)
• ❌ Some user reports of slow deposit processing times
• ❌ Limited public financial transparency (currently being addressed)

Frequently Asked Questions

What is the minimum investment on Maclear?

The minimum investment per project on Maclear is very low, starting at just €50, making it accessible for new investors and easy to diversify a small portfolio.

Are there any fees for investors?

No. Maclear operates a zero-fee structure for investors. This means 0% on deposits, 0% on investments, and 0% on withdrawals. What you earn is what you keep.

How is Maclear regulated?

Maclear AG is based in Switzerland and is regulated, audited, and supervised by a Swiss Self-Regulated Organization (SRO), PolyReg Services GmbH, ensuring compliance with Swiss anti-money laundering and financial standards.

What protection do investors have against loan defaults?

Most loans on Maclear are secured by collateral, typically equipment or assets of the business. The platform also has a perfect track record of zero reported defaults since its launch in May 2023, and internal payment protection mechanisms cover delayed payments.

Does Maclear offer an Auto-Invest feature?

Currently, Maclear does not offer an automated Robo-advisor feature. Investors must manually select and invest in projects listed on the primary market.

Can I withdraw my investment early?

Yes. Maclear provides a secondary market where investors can sell their loan parts to other investors, allowing for quicker access to funds if liquidity is needed before the loan term ends.

How long do withdrawals and deposits take?

While deposits are free, some users report that bank transfers can take a few business days to be manually credited. Withdrawals are generally reported to be processed smoothly, though specific timelines depend on bank processing.