Maclear Review Summary
Maclear is a high-yield, unregulated crowdlending platform registered in Switzerland. Despite its Swiss registration, it does not finance Swiss loans; instead, it offers retail investors exposure to SME loans from multiple countries.
The platform recently partnered with 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. This, together with the previously mentioned red flags, raises serious concerns. Furthermore, 8lends is founded by Gunars Udris, the former founder of Crowdestor, a platform that defaulted and still owes substantial amounts to investors.
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, and we strongly advise against it.
