MACLEAR

Crowdlending has become a solid investment alternative for those seeking higher returns than traditional deposits and more control over where to place their money. Among the platforms that have recently gained prominence is Maclear, a Swiss company that combines strict regulation, high returns, and real guarantees.

In this article, I will explain what Maclear is, how it works, its main features, advantages, disadvantages, and the type of investor it is most suitable for.

📌 What is Maclear?

Maclear is a Swiss P2B (peer-to-business) investment platform that connects investors with companies in need of financing. The loans published are backed by real assets (real estate, machinery, vehicles, or inventory) and include risk analysis and external audits.

It is regulated under the supervision of PolyReg SRO (Switzerland), which means compliance with strict anti-money laundering (AML) and know-your-customer (KYC) standards. In addition, its operations are audited by Grant Thornton, a renowned international firm.

📈 How to optimize my investment in Maclear?

Investing in Maclear can be very profitable, but like any P2P platform, the key is to apply a smart strategy to maximize returns and reduce risks. Here are some tips:

1. Invest amounts of €500, Maclear rewards you with €30, which represents an additional 6%.
2. Get an extra 3%: sign up here.
3. Diversify across multiple loans.
4. Reinvest monthly interest.
5. Earn up to an extra 3%: with Maclear, the more you invest, the more you earn. From €5,000 you get 1.5%, €15,000 gives you 2%, and so on, up to a maximum of 3% extra.
6. If you follow points 1 and 2, that's an extra 9%, which with projects of up to 15% means a 24% return, and if you meet the requirements of point 5, you can reach a total of 27%.

🏗 How does Maclear work?

The investment process on Maclear is simple:

1. Registration and verification — Complying with KYC/AML protocols.
2. Minimum deposit — From as little as €50, making it accessible for small investors.
3. Loan selection — You can manually choose from different published projects.
4. Interest payments — Usually monthly, with principal returned at maturity.
5. Secondary market — Ability to sell your investments before maturity, with a 2.5% fee.

🔍 Key features of Maclear

• Minimum investment: €50.
• Expected return: Between 13% and 16% annually (up to 19.5% in specific cases).
• Investment terms: Between 3 and 36 months, depending on the loan.
• Payments: Monthly interest and principal at maturity.
• Regulation: Switzerland, supervised by PolyReg SRO.
• Audit: Grant Thornton.
• Secondary market: Available, with a 2.5% fee.
• Provision fund: To cover temporary payment delays.
• Bonuses and rewards: Cashback, loyalty, and referral programs.

✅ Advantages of investing in Maclear

• High returns compared to other P2P platforms.
• Swiss regulation and supervision, providing solidity and security.
• Real asset backing to minimize risk.
• Monthly payments, improving cash flow.
• Low entry barrier (from €50).
• Diversification across different projects and types of collateral.
• Bonuses and loyalty programs that increase effective profitability.

⚠️ Disadvantages and risks

• Young platform (operating since 2023), with little track record.
• Limited liquidity — although there is a secondary market, there may not always be buyers.
• Default risk if the collateral does not cover the loan value.
• Geographical concentration in certain markets, limiting global diversification.

📊 Ideal investor profile for Maclear

• Investors seeking high returns and willing to take moderate risk.
• Those who want to start with low amounts without losing access to attractive projects.
• People who value strong regulation and transparency.
• Investors who want to receive monthly interest payments to reinvest or generate cash flow.

🏁 Conclusion

Maclear is a young but promising platform in the world of crowdlending, especially for its high returns, Swiss regulation, and real asset backing.

Its low entry minimum and monthly interest payments make it attractive for those seeking passive income, always considering that the platform's youth implies some additional risk.

As with any P2P investment, the key is to diversify across multiple loans and not invest more than you are willing to risk.

💡 Final tip: If you decide to invest in Maclear, combine short and long-term projects, and use the secondary market only as a last resort to maintain liquidity.