Investing with purpose — and profit

The New Era of Impact Investing

Let's be honest: for years, the choice felt binary. Either you invested in something meaningful — supporting small businesses, sustainable projects, local entrepreneurs — and accepted lower returns. Or you chased high yields and accepted that your money was going somewhere faceless.

But what if that trade-off no longer exists?

What if you could earn up to 15.6% annual returns while directly funding European SMEs that need capital to grow, hire, and innovate?

That's exactly what Maclear offers. And it's why thousands of investors across Europe — from Spain to France, Germany to Portugal — are turning to this Swiss-regulated crowdlending platform.

What Is Maclear?

Maclear is a Swiss-based peer-to-business (P2B) crowdlending platform founded in 2023 and operated by Maclear AG in Wallisellen, near Zurich. It connects retail investors with creditworthy European businesses seeking financing — bridging a critical gap in the SME lending market.

The concept is simple: instead of your money sitting in a savings account earning next to nothing, you lend it to carefully vetted European companies. They pay interest on those loans. You receive that interest as monthly passive income.

But here's what makes Maclear different: this isn't just about profit. It's about economic impact.

The SME Credit Gap: Why European Businesses Need You

In much of Western Europe, traditional banks dominate the lending landscape. Interest rates are low, loan terms are long, and competition between banks is fierce. For many established SMEs, this works fine. They get easy access to credit at favorable terms.

But in other parts of Europe — countries like Lithuania, Romania, Bulgaria, Estonia, and Poland — the reality is very different. Banking options are more limited. Interest rates are higher. And demand for credit often goes unsatisfied — even when company balance sheets justify a loan.

The result? A massive credit gap. Thousands of solid, growing businesses across Europe can't get the financing they need from traditional banks. They're ready to pay higher rates for faster, more flexible funding.

This is where Maclear steps in.

By connecting European investors with these businesses, Maclear does two things at once:

1. It provides vital capital to companies that would otherwise struggle to grow

2. It delivers attractive returns to investors who are willing to lend

It's a win-win. And it's exactly why ethical investing and high yields don't have to be mutually exclusive.

The Numbers That Matter

Let's look at the data. By the end of 2025, Maclear had achieved some impressive milestones:

· €47 million+ in total user deposits

· €57 million deployed in capital

· €12.4 million returned to investors

· 853 funded projects across the European Union

· 39,000+ investors on the platform

· 80% of investors make repeat investments — a strong signal of trust

The average project size is now around €50,000, down from €100,000 the previous year — reflecting a deliberate move toward greater diversification and faster deal flow. Most projects attract 100–200 investors, with an average individual investment of about €6,000.

And the returns? Loan terms average 12 months, delivering an annual yield of approximately 14.6%. Some projects offer even more — up to 15.6% or higher depending on the risk profile.

How It Works: A Real Example

To understand the impact, let's look at a real project.

AHAU OOD is a Sofia-based company specializing in CBD products. When they turned to Maclear, they were looking to expand into the B2C market, increase production capacity, and secure funding to support their growth.

Here's what happened next: Maclear conducted an on-site audit of their headquarters to ensure this was a reliable project. After rigorous due diligence, the project was funded through the platform. The first stage — €200,039.39 — has now been fully repaid to investors.

This isn't abstract "impact investing." This is real money going to real businesses, creating real jobs, and generating real returns.

The Swiss Advantage: Security You Can Trust

Of course, high returns mean nothing if your capital isn't protected. This is where Maclear's Swiss foundation becomes critical.

Switzerland isn't just a nice place to have an office. It's one of the world's most rigorous regulatory environments for financial services. Maclear AG is:

· Regulated under Swiss financial law

· A registered member of PolyReg SRO, complying with all applicable anti-money laundering (AML) and KYC requirements

· Audited by Grant Thornton

But the protection goes beyond regulation. Maclear's security model has three layers:

1. Collateral on Every Project

Every loan is secured by underlying business assets, real estate, or equivalent collateral. Collateral coverage typically ranges from 80% to 120%, with some highly secured loans reaching 150%.

2. A 2% Provision Fund

Maclear maintains a buffer of 2% of each funded project as an additional protection layer on top of collateral.

3. Swiss Regulatory Oversight

Operating under Swiss financial-services regulation with EU passporting.

As one reviewer put it: "Maclear is a structurally well-designed newer crowdlending platform with Swiss regulatory backing, collateral protection, and a 2% provision fund — meaningfully more conservative than typical newer P2P platforms."

Beyond the Basics: Features That Matter

The Secondary Market

One of the most notable developments in 2025 has been the rapid growth of Maclear's secondary market. It has become the platform's most actively used feature, consistently generating more than €1 million in monthly turnover.

This matters because it gives you liquidity. Instead of being locked into a loan until maturity, you can list your claims for sale before the due date. You can adjust and rebalance your portfolio with greater flexibility, reducing duration risk.

Auto-Invest

Introduced in July 2025, the Auto-Invest feature allows you to automate your investments across multiple projects. No more manually selecting each project — set your parameters and let the platform work for you.

Instant Deposits

A new feature powered by partner Keytom gives every investor a personal virtual IBAN for instant top-ups. Your funds are ready to invest within minutes.

Zero Fees

Deposits, investments, and withdrawals are all completely free. What you earn is what you keep.

The Investor Experience: What Real Users Say

Maclear currently holds 4.6/5 on Trustpilot and 4.7/5 on Google, with thousands of reviews.

One investor shares: "A great and comfortable way to gain passive income. I started in November 2024, happy to receive monthly payments for my investments from the start as promised. Inspired by this success I have increased my investment."

Another adds: "Maclear is one of my favorite P2P platforms. Rates are high and monthly payments are on schedule. Since my very first investments, I've seen some noticeable improvements: increased diversification in terms of countries covered, and the creation of a Telegram channel that greatly improves communication."

A longer-term user confirms: "Been investing through Maclear for more than a year now and so far everything has been working smoothly. No defaults and all payments are made on time."

The Bigger Picture: Why This Matters Now

European crowdlending has matured significantly. The full implementation of the ECSP regulation (European Crowdfunding Service Providers) in 2023-2024 has created a common framework across the EU, imposing transparency standards, risk audits, and mandatory reporting.

What was once seen as a marginal activity has become an investable asset class. Institutional funds are now entering the space. But here's the catch: they move fast. By the time you log in at 8 AM with your coffee, the best deals are often gone — snapped up by algorithms that pre-loaded overnight.

This is exactly why platforms like Maclear matter for individual investors. They offer access to vetted, collateral-backed SME loans before the institutions crowd them out.

The Bonus That Sweetens the Deal

If you're ready to start, there's an extra incentive. When you sign up using a referral link and make a first investment of €50 within 7 days, you receive:

· A €15 welcome bonus

· 3% cashback on all investments during your first 90 days

A Note on Risk

Let's be transparent. Maclear is a relatively young platform — launched in 2023. While its protection structures are well-designed, the operational track record is still building.

Some investors recommend starting with a small experimental allocation — perhaps €500–€1,500 — to evaluate the platform before committing larger sums. Diversification across multiple projects is also key; spreading your investment across 5–10 projects over 6–12 months reduces your exposure to any single borrower.

As with any investment, do your own research. Read the project descriptions. Understand the risks. But don't let caution stop you from exploring an opportunity that combines purpose with profit.

The Bottom Line

Maclear offers something genuinely rare: the chance to earn up to 15.6% annual returns while directly supporting European SMEs that need capital to grow.

It's Swiss-regulated. It's collateral-backed. It has a provision fund. It's transparent. And it's helping thousands of investors across Europe build passive income while making a real economic impact.

The old trade-off between profit and purpose is dead.

Now you can have both.

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Ready to start? Use my referral code OYZW5L when you sign up at https://app.maclear.ch/fr/registration?ref=OYZW5L to claim your €15 bonus and 3% cashback.