🏷️ Quick Overview
Name : Maclear AG
Creation : 2010 (pivot to crowdlending in 2023)
Country : Switzerland (headquarters in Wallisellen, near Zurich)
Investors / Funded amounts : +17 500 investors / +41 million € funded
Type of loans : Loans to SMEs (production, services, retail) – primarily in Eastern Europe (Bulgaria, Estonia)
Target strategy type : High yield with guarantees and geographical diversification
💻 Interface & Accessibility
Site language : English
General ergonomics : Modern interface, intuitive navigation, however some slowdowns
Registration and KYC verification : Fast, compliant with Swiss standards via PolyReg SRO
Mobile app available : No
Auto-invest : Yes, since mid-July 🆕
📈 Yield & Performance
Current yield of the platform : 13 – 16 %
Observed yield (personal) : Approximately 20% (Cashback + Loyalty Program + Bonus)
Loyalty Program : >5,000€ = +0.5% ..... >15,000€ = +1% ..... >40,000€ = +1.5% ..... >75,000€ = +2%
Average loan duration : 9 to 14 months
Investment method : Manual only, with a selection of varied projects
Minimum investment : €50
⚠️ Risks & Safety
Identified risks : Loans to SMEs in emerging countries (macroeconomic risk), lack of buyback guarantee, weak public performance history
Buyback guarantee / collateral : No, but there is a provision fund and collateral guarantees on certain loans
Borrower rating available : Yes, through an internal scoring system
Secondary market : Yes, allowing for the early resale of loans, including a fee of 2.5% at the time of listing, and the loans must be purchased by other investors within a maximum of 14 days
Global transparency : Average (few public statistics, but detailed project documents)
Diversity of originators : Average (direct platform, without intermediaries)
💧 Liquidity
Ease of withdrawal : Average, dependent on resale in the secondary market
Average time to recover funds : 9 to 14 months, depending on the projects
Deposit/withdrawal times : 1 to 2 business days
Cash drag management : Low, due to the frequency of projects and the secondary market
🛡️ Regulation & Reliability
Official regulation (PSFP, FCA, etc.) : Member of PolyReg SRO (Swiss self-regulatory organization)
Legal compliance (country of origin) : Compliant with Swiss requirements for combating money laundering and protecting investors
History / known incidents : Recent platform, little history available
Responsive customer service : Yes (email, telegram)
Regular communication : Yes, via blog and newsletters
🎁 Bonus & Referral
Welcome bonus : Yes
Amount or % : 3% cashback on investments for the first 90 days + €30 added for every €500 invested at once in a single project
Referral bonus : Yes, an additional 3% cashback on investments for the first 90 days
🧠 My personal opinion
✅ Strengths :
- Very attractive returns (up to 16.5%) not including bonuses
- Limited cash drag
- User-friendly interface
- Regulated Swiss platform
- Presence of a secondary market despite having fees
- Well-documented projects with guarantees
❌ Weak points :
- Limited history (recent platform)
- Improving transparency on global statistics
📌 Am I investing in it? Why? : Yes, for diversification. Maclear offers an interesting opportunity to boost a P2P portfolio with high returns, while benefiting from a Swiss regulatory framework. However, I remain vigilant regarding project selection and risk management.
🔍 For which investor profile? : Intermediate to experienced investors seeking high returns and willing to actively manage their portfolio.