The 60-second version

Maclear is a Zurich-based P2P platform that funds Swiss and European SME loans, real-estate bridge finance, and factoring receivables. It holds membership in a Swiss Self-Regulatory Organisation under the country's Anti-Money Laundering Act - an arrangement that brings mandatory client due diligence and beneficial-ownership checks but no solvency supervision and no compensation scheme for platform insolvency.

The platform advertises annual yields of 14.5 to 14.9 percent and realised returns have tracked that range through the end of 2025. Interest lands in investor accounts on the third business day of each month; principal repays at maturity or according to the agreed amortisation schedule. Maclear has processed one borrower default - the Vibroedil project in late 2024 - which CEO Pavel Piasek covered in full from personal funds within 48 hours, setting a strong precedent but establishing no legal obligation for future losses.

Investors can list their loan participations on a monthly secondary market that runs on the first business day of each month; buyers pay a 0.5 percent transaction fee and most listings priced at or near net asset value clear within one cycle. The platform operates auto-invest with custom filters for loan type, term, and loan-to-value ratio. Minimum investment is EUR 50 per project; the EUR 30 sign-up bonus requires a EUR 1,000 deposit within 30 days and holding the first investment for 90 days.

Maclear suits European retail investors who accept the trade-off of no statutory protection scheme in exchange for above-market yields, monthly income, demonstrated collateral discipline, and the ability to exit via secondary market. It is less suitable for those who require full banking-style safeguards or who cannot tolerate even a single-digit portfolio allocation to illiquid real-estate and factoring receivables.

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How the five checks scored

Every platform on best-p2p-platforms-europe.com receives a star rating out of 5.0 built from five equal checks at 20 percent weight each. Here is how Maclear performs on investor protection, delivery track record, honest yields, transparency, and exit options.

Maclear is a member of a Swiss Self-Regulatory Organisation accredited under the Federal Act on Combating Money Laundering and Terrorist Financing. The SRO - one of several bodies that oversee non-bank financial intermediaries in Switzerland - verifies that Maclear follows client identification rules, beneficial-ownership disclosure, and transaction monitoring. It does not supervise capital adequacy, conduct of business, or solvency buffers, and there is no compensation scheme for platform failure.

Investor funds sit in segregated accounts at a licensed Swiss bank; loan receivables are held in special-purpose vehicles separate from the platform's operating entity. This structure is designed to keep investor capital outside Maclear's bankruptcy estate if the company were to fail. The arrangement has not been tested in a Swiss insolvency proceeding, so its effectiveness remains a matter of contractual design rather than a track record. The platform discloses the SPV structure and segregation arrangement in its terms of service and on the FAQ page.

Maclear does not offer a buyback guarantee and has never marketed one. Loan repayment depends on borrower solvency and the realisable value of pledged collateral - typically first-ranking charges on Swiss real estate or assignment of trade receivables with recourse to the original debtor. The single default to date was resolved by a voluntary top-up from the CEO, not by a contractual obligation.

Maclear began operations in October 2022. Through December 2025 it had funded approximately EUR 12 million in loan volume across 48 projects. One project - a real-estate bridge loan to Vibroedil SA - entered payment default in November 2024 when the borrower missed a scheduled principal instalment. The collateral was a first-ranking charge on a commercial property in Ticino valued at 140 percent of the outstanding loan. Within 48 hours, CEO Pavel Piasek deposited the full outstanding amount plus accrued interest into investor accounts from personal funds, and Maclear took over the collateral enforcement.

Every other project to reach maturity - 19 loans as of January 2026 - has repaid principal and interest in full and on time. Monthly interest payments have landed on the third business day of each month without interruption. The platform has never delayed a scheduled payout, never imposed an unexpected fee, and never altered loan terms post-funding. Withdrawals from the cash reserve to external bank accounts clear within two business days.

The Vibroedil resolution set a high bar: investors received their capital back faster than a typical foreclosure timeline would allow. It is not a legal buyback guarantee - future defaults would trigger standard collateral enforcement unless Piasek or another party chose to intervene again. The precedent matters because it demonstrates access to liquidity and a willingness to protect the platform's reputation, but it should not be mistaken for a contractual promise.

Maclear advertises annual yields of 14.5 to 14.9 percent, calculated as simple interest on the outstanding principal. Monthly interest payments match the advertised rate divided by twelve, adjusted for the exact number of days if a month has 31 days. There are no origination fees, no account maintenance charges, and no hidden deductions. The secondary market charges buyers a 0.5 percent transaction fee; sellers pay nothing.

Realised yields for the calendar year 2024 - computed as total interest received divided by average deployed capital - ranged from 14.6 to 14.8 percent for portfolios that remained fully invested throughout the year. The small variance reflects the timing of inflows and outflows rather than any gap between promise and delivery. Maclear publishes a monthly performance summary in the investor dashboard showing aggregate interest paid, average portfolio yield, and the percentage of loans current versus overdue.

The platform does not offer tiered rates, loyalty bonuses, or promotional yields that expire after an introductory period. Every investor receives the same rate on the same project, and the rate is locked at the time of investment. If a borrower prepays, investors receive accrued interest to the prepayment date plus their principal; there is no penalty and no clawback of earned interest.

Maclear discloses the beneficial ownership of the operating company - Maclear AG is wholly owned by Pavel Piasek and registered in the Zurich commercial register. The platform publishes its SRO membership certificate on the "About" page, and the SRO name and registration number appear in the footer of every investor agreement. Financial statements for the operating entity have not been filed publicly because Swiss law does not require publication for private limited companies below certain thresholds, but the platform provided summary financials to this review upon request showing positive equity and no outstanding bank debt as of 31 December 2024.

Each loan project page includes the borrower's legal name (or an anonymised identifier if the borrower is an individual), the loan purpose, the collateral description, the loan-to-value ratio calculated by an independent appraiser, the interest rate, the term, and the repayment schedule. Maclear publishes a monthly portfolio report showing the number of active loans, total outstanding principal, weighted average LTV, and the count of loans current versus overdue. The Vibroedil default was disclosed on the platform dashboard within 24 hours of the missed payment, with a public update explaining the CEO's intervention three days later.

Investor funds flow is fully traceable: the segregated account statements are available in the "Documents" section of the investor dashboard, showing every deposit, interest credit, principal repayment, and withdrawal. The platform has never altered the fee schedule, never introduced a surprise charge, and never amended terms mid-loan without written consent from affected investors.

Maclear runs a monthly secondary market on the first business day of each month. Investors list their loan participations at any price they choose; the platform recommends pricing at net asset value - outstanding principal plus accrued interest - to maximise the chance of a match. Buyers pay a 0.5 percent transaction fee; sellers pay nothing. Listings that remain unmatched roll over to the next month at no cost.

Between January and December 2025, 89 percent of listings priced within 2 percent of net asset value cleared within one cycle. The remaining 11 percent either carried a significant premium - which delayed matching - or were attached to loans flagged as overdue, which deterred buyers. The Vibroedil participations listed in December 2024 were withdrawn after the CEO's intervention resolved the default, so no stressed assets traded on the secondary market during the review period.

There are no lock-up periods, no early-exit penalties, and no minimum holding requirements except for the 90-day hold attached to the EUR 30 sign-up bonus. Cash sitting in the platform reserve - whether from interest payments, principal repayments, or secondary-market sales - can be withdrawn to an external bank account within two business days at no charge. The two-point deduction in this category reflects the monthly rhythm of the secondary market: investors who need same-day liquidity must wait up to 30 days for the next trading window, whereas platforms like Mintos offer continuous secondary markets.

How investing works at Maclear

Who Maclear suits and who should pass

Against the alternatives: Maclear versus peers

Maclear outscores Mintos on delivery and honest yields because no originator on Maclear has ever left investors with a loss, whereas several Mintos loan originators have failed and investors absorbed write-downs. Mintos wins on liquidity - its secondary market runs continuously - and on breadth, with hundreds of loan types and originators. InRento matches Maclear's zero-loss record and surpasses it on regulatory clarity with an ECSP licence that includes supervisory oversight, but InRento offers no secondary market and requires EUR 500 minimum per project.

The Swiss SRO licence is the most divisive feature. Investors who trust segregated custody and SPV structures will see Maclear's 4.8-star rating as deserved; those who require full prudential supervision will rank Mintos higher despite its lower yield. There is no objectively correct answer - the rating reflects that Maclear has delivered what it promised, handled its first stress event impeccably, and disclosed the limits of its regulatory framework honestly.

For a deeper comparison of Maclear and Mintos, read the side-by-side guide. For InRento, see the full review.

Frequently asked questions

Risk warning: P2P lending puts your capital at risk. Past performance is a record, not a guarantee. Maclear holds a Swiss SRO licence that covers AML compliance only - there is no compensation scheme for platform insolvency and no prudential supervision of capital adequacy. The single default covered by the CEO was a voluntary intervention, not a contractual obligation. Every yield shown on this page is advertised; realised returns depend on borrower solvency and collateral recovery. best-p2p-platforms-europe.com is an independent comparison site, not a platform or adviser.

Updated January 2026. Next re-rating scheduled for February 2026. Read the full rating methodology or compare Maclear to every other European platform in the complete ratings table.