Maclear Review

Updated | 29. December 2025

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Secured bypledge
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Avg. yearly return 15.6%

SW
rating

Score withdrawn

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Tested Platform
  • checkbox iconQuestionable funding strategy
  • checkbox iconQuestionable loan performance
  • checkbox iconKnown for spamming investor communities
  • checkbox iconHigh-yielding platform

PLATFORM RISK SCORE

1.0/ 10- Very High Platform Risk

This score reflects platform-level risk based on performance data, transparency and identified red flags.

  • Portfolio Performance: Not available
  • Structural safeguards: Not regulated, no financial reports available
  • Operating history: More than 3 years
  • red flag iconRed flags: 1 minor, 3 substantial

Statistics

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Outstanding portfolio:€45.800,000
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Performing portfolio:Not available
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Non-performing portfolio:Not available
N/A
N/A
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Investors' earnings:

Not available

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Loss of investors' money:

Not available

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Average portfolio size:

Not available

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Year founded:

2023

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Number of investors:

25.787

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Latest financial report:

Not available

Portfolio Evaluation:

We consider Maclear's statistical data unreliable. The platform lacks transparency, as it does not disclose critical performance data, which increases the risk for potential investors.

Disclaimer:

This statistical information has been sourced from the platform's website and we cannot independently verify its authenticity. Therefore, we recommend conducting your own research, staying updated on the company's latest developments, and reading our Maclear review to enhance your understanding of the platform. Be aware that geopolitical risks, regulations, and force majeure events may negatively impact your portfolio.

Potential Red Flags
  • info iconMaclear finances high-yield SME loans across multiple lenders and countries, yet provides investors with very limited transparency about how their funds are deployed. This lack of disclosure increases the risk that the platform may raise more capital than necessary, ultimately putting investors at a disadvantage.
    Substantial
  • info iconThe platform does not publish meaningful statistics on non-performing loans. Given Maclear’s complex business model, funding companies from diverse industries and jurisdictions, this absence of data is highly concerning. No comparable platform has been able to operate this model successfully without robust,
    Substantial
  • info iconMaclear also relies on bots and PR agencies to flood online communities with promotional comments, attempting to artificially boost engagement and brand visibility. This behaviour appears unprofessional and raises further doubts about the platform’s credibility.
    Minor
  • info iconMaclear is not regulated, even though its activities appear to fall under the requirements of the European Crowdfunding Service Provider framework. This regulatory gap exposes investors to additional, avoidable risks.
    Substantial

    Table of contents

Table of contents

Maclear Review Summary

Maclear is a high-yield, unregulated crowdlending platform registered in Switzerland. Despite its Swiss registration, it does not finance loans in Switzerland; instead, it offers retail investors exposure to SME loans from multiple countries.

The platform recently launched 8lends to raise capital for a blockchain-powered lending product. Both platforms advertise unusually high bonuses, pushing combined yields on loan offers above 20 percent.

Maclear claims an impeccable portfolio performance, which is highly atypical for SME lending in Europe, a sector that inherently carries elevated default and recovery risks. 

Maclear also offers unusually high payments to content creators who produce promotional videos and positive reviews on YouTube. Investors should treat such content with caution, as financial incentives may bias opinions and ultimately put investors at a disadvantage.

Investing through Maclear or 8lends carries exceptionally high risk.

author

Jakub Krejci

Founder

Fact

Checked

Jakub Krejci, the founder of P2P Empire, brings six years of expertise in navigating and investing across diverse P2P lending platforms. Drawing insights from over 50 interviews with industry CEOs and founders, Jakub offers a unique perspective in the peer-to-peer lending realm. Renowned for his high-quality reporting and regular updates, Jakub stands as a trusted authority for individuals navigating the dynamic P2P investment landscape.

Editorial Note: We earn a commission from partner links on P2P Empire. Commissions do not affect our editors' opinions or evaluations of products.

Disclaimer: Investing involves risk, and past performance does not guarantee future results. The content on this website is for informational purposes only and should not be considered investment advice. Market conditions and platform terms can change frequently. While we strive to keep our information accurate and up to date, we cannot guarantee its completeness or reliability at any given time. You are solely responsible for your investment decisions and for staying informed about any developments that may affect your portfolio. We do not accept any liability for actions taken based on the information provided here.

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COMPANY INFORMATION

  • Company:
  • Maclear AG
  • Legal Address:
  • Richtistrasse 7 8304 Wallisellen Switzerland
  • Office Address:
  • Email:
  • info@maclear.ch