Maclear
Maclear is a Swiss peer-to-business platform, run by Maclear AG in Wallisellen near Zurich. The company has been on the Swiss commercial register since January 2015, but under a different name and in a different line of business: it was renamed and its purpose changed to operating an online marketplace in August 2020, and the first projects were funded in 2023. Maclear AG belongs to PolyReg, the FINMA-recognised self-regulatory organisation whose supervision covers anti-money-laundering duties. On 11 May 2026 the Spanish securities regulator CNMV warned the public that Maclear AG is not authorised to provide crowdfunding services, neither under Spanish law nor under the EU crowdfunding regulation. Investors lend to small and medium-sized companies from 50 euros per project, most of them in Bulgaria and the Czech Republic, the rest spread across Europe and Kenya. The loans are secured on company assets, and Maclear acts as collateral agent for the investors. There is no buyback obligation: a reserve fund fed by 2 percent of every funded project can bridge a payment delay, but the terms state that it is not an insurance scheme and does not guarantee full payment. Claims can be sold to other investors on a secondary market, for which Maclear may charge a fee. Maclear AG's two board members are also the two founders of 8lends, a crypto lending platform for which Maclear checks borrowers and monitors collateral.
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Maclear in real numbers
Anonymized statistics from all Maclear portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
23.9%
Based on 294 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 124 stated strategies
Combined portfolio value
€4,608,515
Investors on P2P Dash
475
Interest earned all-time
€666,947
Median cash drag
3.8%
Share of funds sitting uninvested
Important Notes
- Cashback is exported as investment, but a heuristic identifies cashback payments as bonus
Compare Maclear head-to-head
Maclear returns over time
Median annual return of Maclear investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
22.7%
96 investors
20.8%
2024
20.5%
2025
22.3%
2026
Is money moving into Maclear?
Monthly deposits minus withdrawals across Maclear investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€1,312,512
475 investors tracking
In Q3 2026, Maclear ranks 15 of 51 platforms by net capital flow. See all capital flows for Q3 2026 →
How is sentiment on Maclear changing?
The strategies Maclear investors state on P2P Dash, week by week. Each of them sets one per platform: add funds, reinvest, hold, reduce or exit.
Community score
Weekly, on a scale from 0 to 100. Above 50, plans to add money outweigh plans to take it out; below 50 it is the other way round. The bars below show how many changed their strategy that week, and in which direction.
Community score
41
as of Nov 12, 2026
Last 7 days
-1
- More cautious
- 4
- More confident
- 1
Nov 6 to Nov 12, 2026
Strategies over time
Share of each strategy among all stated ones, week by week.
Show all weeks as a table
| Week | Community score | Votes | More confident | More cautious | New votes | Reset | Add funds | Reinvest | Hold | Reduce | Exit |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nov 2 to Nov 8, 2026 | 41 | 122 | 1 | 0 | 1 | 0 | 20% | 12% | 16% | 16% | 35% |
| Oct 26 to Nov 1, 2026 | 41 | 121 | 3 | 1 | 4 | 0 | 19% | 13% | 17% | 17% | 35% |
| Oct 19 to Oct 25, 2026 | 42 | 117 | 0 | 0 | 2 | 0 | 21% | 12% | 16% | 18% | 33% |
| Oct 12 to Oct 18, 2026 | 41 | 115 | 1 | 0 | 1 | 0 | 20% | 11% | 17% | 18% | 34% |
| Oct 5 to Oct 11, 2026 | 41 | 114 | 2 | 3 | 5 | 0 | 19% | 11% | 18% | 18% | 34% |
| Sep 28 to Oct 4, 2026 | 40 | 109 | 1 | 4 | 1 | 0 | 18% | 11% | 17% | 19% | 34% |
| Sep 21 to Sep 27, 2026 | 42 | 108 | 2 | 3 | 2 | 0 | 20% | 11% | 18% | 18% | 33% |
| Sep 14 to Sep 20, 2026 | 42 | 106 | 0 | 0 | 4 | 0 | 20% | 11% | 19% | 16% | 34% |
| Sep 7 to Sep 13, 2026 | 42 | 102 | 0 | 0 | 4 | 0 | 21% | 12% | 18% | 16% | 34% |
| Aug 31 to Sep 6, 2026 | 43 | 98 | 0 | 2 | 5 | 1 | 21% | 12% | 17% | 15% | 34% |
| Aug 24 to Aug 30, 2026 | 45 | 94 | 0 | 1 | 0 | 0 | 23% | 14% | 16% | 13% | 34% |
| Aug 17 to Aug 23, 2026 | 46 | 94 | 1 | 3 | 4 | 0 | 24% | 14% | 16% | 12% | 34% |
| Aug 10 to Aug 16, 2026 | 48 | 90 | 0 | 1 | 4 | 1 | 26% | 14% | 18% | 11% | 31% |
| Aug 3 to Aug 9, 2026 | 48 | 87 | 1 | 2 | 3 | 0 | 25% | 14% | 20% | 10% | 31% |
| Jul 27 to Aug 2, 2026 | 48 | 84 | 0 | 0 | 2 | 0 | 26% | 13% | 18% | 11% | 32% |
Maclear investors also track
Share of Maclear investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to Maclear
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
Full ranking:Business loans (SME) →
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 2,124 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Maclear
Answers based on anonymized community data from P2P Dash investors.
What is Maclear?
Maclear is a peer-to-peer lending platform, founded in 2023 (headquarters: Switzerland). On P2P Dash, investors import their Maclear account statements to track the real net return they earn there.
What return do investors actually earn with Maclear?
Across 294 Maclear portfolios tracked on P2P Dash, the median net return (XIRR) is 23.9%. The middle 50% of investors earn between 18.1% and 29.3% (as of November 12, 2026).
How many investors track Maclear on P2P Dash?
475 investors track their Maclear portfolios on P2P Dash, with a combined portfolio value of €4,608,515 and €666,947 in interest earned all-time.
How does Maclear rank among P2P platforms?
Maclear ranks 26 of 29 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Maclear?
Of 124 stated strategies for Maclear, 31% plan to add funds or reinvest, 18% intend to hold, and 52% plan to reduce or exit (as of November 12, 2026).
Is Maclear regulated?
Yes, Maclear is a regulated platform supervised by PolyReg SRO.
Does Maclear offer a buyback guarantee?
No, Maclear does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my Maclear portfolio?
Export your transaction history from Maclear (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Maclear?
Based on the community ranking, the closest alternatives to Maclear in the same asset class are Debitum, Triple Dragon Funding, Modena. Each platform page shows real median returns and investor numbers from the P2P Dash community.