Maclear P2P Review 2026: Swiss Investment Platform Worth It?

Introduction

Maclear is a Swiss-registered peer-to-business (P2B) lending platform operated by Maclear AG in Wallisellen, Switzerland. It connects retail investors with SME borrowers across Europe and beyond, offering collateral-backed loans under PolyReg supervision. This Maclear P2P review looks at the platform’s regulation, returns, fees, risks, and how it stacks up against competitors, using verified data from primary sources.

Key Takeaways

• Platform type: P2B (peer-to-business) lending, not consumer P2P, launched May 2023 by Maclear AG Source
• Swiss registration: Maclear AG, Wallisellen, UID CHE-115.674.165, member of PolyReg under FINMA-recognized AML supervision Source
• Interest range: 13.5 to 16.5% per annum, platform average 14.6%, with promotional yields pushing higher Source
• Safety features: collateral-backed loans, IPAC contracts, Maclear Provision Fund, documented first-default recovery (Vibroedil S.R.L., July 2025) Source
• Fees: no deposit, no withdrawal, no primary-market investment fees; 2.5% seller fee on the secondary market only
• Verdict: suitable for experienced P2B investors who can lock €50+ per project for 12 to 16 months and accept single-originator risk

What Is Maclear? A Platform Overview

Maclear is a P2B marketplace operated by Maclear AG, a Swiss company headquartered in Wallisellen and registered under UID CHE-115.674.165. The corporate entity was originally a GRC software business. In 2020, Aleksandr Nikitin and Denis Ustjev acquired the company, and the P2B lending platform launched in May 2023 Source. That short operating history matters for any credibility assessment.

The platform funds SME loans across Estonia, Bulgaria, Italy, Germany, the UK, the Czech Republic, and more recently Kenya and the UAE. Borrowers operate in real-sector industries: manufacturing, trade, logistics, construction, and services Source. Maclear sits inside the Swiss legal system but routes capital to borrowers in less stable jurisdictions. That’s the core tension to understand before investing.

P2P vs. P2B: Understanding What Kind of Platform Maclear Is

Maclear is a peer-to-business platform, not a consumer peer-to-peer lender. Search traffic for “Maclear P2P review” is common, but the asset class is different from Bondora-style consumer credit. P2B loans on Maclear average €50,000 to €500,000, run 12 to 16 months, and are secured by tangible collateral. Consumer P2P loans on platforms like Bondora are smaller, unsecured, and statistically more prone to retail default. Mintos and EstateGuru sit closer to Maclear on structure, but with multi-originator and real-estate focus respectively.

Maclear Platform Statistics: How Much Has Been Invested So Far?

Maclear reports €89M+ funded across 1,367 projects with 32,300+ investors from 72 countries as of March 2026 Source. Loan book growth in 2025 was 720% year-over-year Source. The platform does not publish a total interest-paid figure or an audited recovery rate.

• Total funded: €89M+
• Active projects: 1,367
• Investor count: 32,300+
• Countries represented: 72
• Reported platform average return: 14.6%

Rapid loan-book expansion raises a question we address in the risks section: can underwriting and collections scale at the same pace as origination?

How Maclear Works: The P2B Lending Model Explained

Maclear acts as platform operator, payment processing agent, and collateral agent in a single structure. That combined role differs from multi-originator marketplaces like Mintos, where loan originators sit between the platform and the borrower.

The investment cycle runs in seven steps:

1. Borrower applies for funding and submits company documentation.
2. Maclear runs AML, KYC, and KYB checks plus on-site visits where applicable.
3. The Risk Scoring Model assigns a credit profile and target loan amount.
4. The borrower pledges collateral (machinery, equipment, receivables).
5. An Investment Purchase Agreement Contract (IPAC) is signed between borrower and Maclear AG.
6. The project lists on the primary market; investors fund from €50 per project.
7. Maclear collects monthly interest and distributes it to investors, with bullet principal at maturity.

Who Is Maclear For? Target Investor Profile

Maclear is built for EEA-resident investors aged 18+ who can commit at least €50 per project and accept 12 to 16 month illiquidity. Funding requires a bank account in the investor’s name. The interface runs in English, German, French, Spanish, Italian, and Portuguese.

Maclear Is a Good Fit If…

• You already hold positions across multiple P2B platforms and understand SME credit risk
• You want a Swiss-domiciled platform paired with collateral enforcement
• You can stage capital across many small positions rather than concentrate
• You are comfortable holding to maturity, with secondary-market exit as a fallback

Maclear May Not Be Right If…

• You need liquidity inside 12 months
• You expect deposit-insurance-equivalent protection
• You require fully audited, real-time default statistics before investing
• You are a first-time P2P investor still learning credit risk fundamentals

The People Behind Maclear: Founders and Management Team

Maclear was acquired in 2020 by co-founders Aleksandr Nikitin and Denis Ustjev, with Ustjev as CEO Source. Ustjev holds an MBA (2008) and previously worked as Investment Planner and Financial Advisor at Unibank and TCF Financial Corporation. He owns 50% of the company.

Aleksandr Lang is CFO and co-founder. His background spans foreign trade and industrial projects, with his professional network rooted in Estonia. Alexej Martin is Director of the AMLA Office, a lawyer in banking and financial markets law who also holds a concurrent Relationship Manager role at MBaer Merchant Bank AG in Zürich Source. Igor Bannikov leads risk and oversees the Risk Scoring Model.

The Estonian fintech ecosystem links matter for context: early borrowers were sourced through local networks. Public profile depth for some team members is limited, which is worth flagging without speculation.

Is Maclear Legit? Regulation, Safety, and Trust Signals

Maclear meets baseline Swiss compliance requirements as a PolyReg member, but PolyReg supervision covers AML obligations, not prudential financial supervision. That distinction matters. This section looks at the regulatory framework, risk scoring, collateral enforcement, Provision Fund mechanics, and company transparency.

Maclear’s Regulatory Framework and Swiss Registration

Maclear AG is a member of PolyReg Services GmbH, a FINMA-recognized self-regulatory organization under Article 24 of the Swiss Anti-Money Laundering Act (AMLA) Source. This makes Maclear a regulated financial intermediary in the non-banking sector, subject to mandatory annual PolyReg audits plus unannounced inspections.

Two firms support the compliance stack. BlueAUDIT GmbH conducts the annual financial audit. Grant Thornton AG performs the AML/AMLA audit. The clarification that matters: Swiss regulation governs platform structure and AML compliance, not borrower credit risk in Bulgaria, Estonia, Kenya, or the UAE. PolyReg is not a banking license equivalent.

Maclear’s Risk Scoring Model: How Borrowers Are Vetted

The Risk Scoring Model runs a six-stage borrower vetting process before any project lists on the primary market. Stage one is legal documentation review. Stage two covers AML, KYC, and KYB onboarding. Stage three looks at financial performance. Stage four assigns a risk score and target loan amount. Stage five negotiates collateral or personal guarantees. Stage six signs the IPAC contract.

On-site visits supplement the document review where geography permits. A documented process is one input; execution quality is another. Without independently audited borrower-level data, outside validation of the model’s accuracy is not yet possible. The risks section returns to this gap.

Collateral as Guarantee: How Maclear Protects Investor Capital

Every Maclear loan is secured by pledged tangible assets, with Maclear AG acting as legal collateral agent authorized to enforce asset recovery. Collateral typically includes production equipment, machinery, and receivables.

The Vibroedil S.R.L. case is the strongest data point on record. Vibroedil, an Italian borrower funded across three €50,000 tranches (€150,000 total), filed for insolvency on July 22, 2025 Source. Every investor received 100% of principal back. No funds were drawn from the Provision Fund; the recovery was settled via the borrower’s owners’ personal funds after negotiated agreement. That is different from a traditional buyback guarantee funded by the platform balance sheet. One documented positive outcome is not a universal recovery guarantee, but it is a verifiable data point.

The Maclear Provision Fund: A Second Layer of Protection

The Maclear Provision Fund is funded by 2% of Maclear’s commission on successfully funded projects plus secondary-market transaction commissions. Its role is to bridge timing gaps when borrowers face temporary repayment difficulty, before collateral enforcement triggers.

Think of it as a buffer, not a capital guarantee. The fund covers continuity of monthly interest payments rather than absolute principal protection. Maclear does not publish the Provision Fund’s absolute balance. That transparency gap deserves a flag, even if Provision Fund disclosure is uneven across the P2B sector.

Company Transparency: Financials, Reporting, and Track Record

Maclear’s 2023 financial report was published in June 2025, more than a year late, showing a CHF 118,379 loss consistent with a growth-phase platform. The 2024 audit and 2025 audit were unpublished at time of writing. Maclear attributes the delay to accounting software integration.

Esketit and PeerBerry publish audited financials closer to industry norms, so the comparison is unfavorable on timeliness. Three gaps stand out: the Provision Fund balance, recovery-rate data across all loans, and real-time default statistics. None of these are individually disqualifying, but together they limit independent financial health verification. Yellow-flag territory, not red-flag.

Maclear Platform Features: What Investors Actually Get

Maclear ships a multilingual investor dashboard with primary-market browsing, auto-invest configuration, a secondary market, and per-project documentation. The interface supports six languages. The UX is functional rather than polished; some investors report longer learning curves than on Mintos or Esketit.

Loan Types, Investment Opportunities, and Geographic Diversification

Maclear funds SME loans across production, retail, and services in 15+ countries, with notable concentration in Bulgaria. Recent expansion added Kenya and the UAE. Typical loan duration runs 12 to 16 months, with some 8 to 9 month projects available. Loans use a bullet structure with monthly interest and full principal at maturity.

Bulgaria concentration creates correlated jurisdiction risk worth flagging for portfolio construction. Sector diversity across three real-economy categories softens that, but it is not a safety guarantee.

How to Evaluate Individual Projects on Maclear

Each Maclear project page shows target amount, loan period, interest rate, funded amount, available amount, investor count, project type, location, interest frequency, and principal repayment method. An on-page profit calculator shows expected returns.

Key Criteria to Check Before Investing in Any Maclear Project

• LTV ratio: how much loan-to-value the collateral actually covers
• Business plan viability: does the revenue model justify the loan amount
• Collateral jurisdiction enforceability: can Maclear realistically enforce in that country
• Sector stability: is the borrower’s industry currently under stress
• Borrower documentation depth: complete financials beyond marketing summary
• Owner skin in the game: personal guarantees or equity at risk

Auto-Invest: How Automated Investing Works on Maclear

Auto-Invest launched in July 2025, letting investors set filters for loan type, minimum interest rate, loan duration, country, and LTV Source. Interest can reinvest automatically or stay liquid for manual deployment.

Given 12 to 16 month durations and a project pool that is still scaling, many investors prefer manual selection. Manual review lets you read each business plan and check collateral specifics. Auto-Invest fits investors with broad acceptance criteria and time constraints. Neither approach is objectively better; the tradeoff depends on your appetite for per-project diligence.

Secondary Market and Liquidity Options

Maclear’s secondary market launched in May 2024 and lets investors list positions for sale with a 2.5% seller fee. Buyers pay no fees. Listings can be priced at original value or up to 50% discount. A 30-day holding period applies before listing. Sellers pay the 2.5% fee only if the sale executes within 14 days, and resale is permitted after secondary-market purchase.

Liquidity depends on buyer demand. In normal conditions, secondary-market exit is feasible. In stress scenarios, it may dry up. Treat the secondary market as a conditional exit, not a reliable liquidity mechanism.

Maclear Returns: What Interest Rates Investors Can Realistically Expect

Maclear’s base interest rate range is 13.5 to 16.5% per annum, with a platform average of 14.6% Source. Higher P2B yields reflect higher borrower risk underneath. This is not free money.

Bonus and loyalty structures add layers. A €15 sign-up bonus applies on referral, 3% cashback runs for 90 days, and four loyalty tiers (Beta, Beta Plus, Alpha, Alpha Plus) add incremental interest based on portfolio size and tenure. Combined effective yields can briefly approach or exceed 18% during promotional periods. These are not permanent base rates. Interest pays monthly; principal repays at the end of the loan term.

Actual Returns: What the Data Shows

Net realized returns sit below advertised rates once cash drag and reinvestment timing are accounted for. A €5,000 portfolio invested at 14.6% looks like €730 annual gross interest. After typical cash drag (5 to 10% of capital uninvested between projects), realized yield often settles around 13 to 14%.

SEPA deposit and withdrawal experience is practical: deposits via Maclear’s Finnish bank account arrive within 1 to 3 business days; withdrawals with a €50 minimum process in 1 to 2 business days, no platform fee. Modeled returns are not guaranteed performance, but the operational mechanics are reliable.

How Maclear’s Returns Compare to Other P2P Platforms

Maclear’s headline 14.6% average beats most European competitors on yield but trails them on track record and disclosure. The closest direct comparisons are Debitum (around 13%, longer history, smaller bonus program) and Lande (around 11%, agricultural focus, proven collateral recovery). Mintos uses a multi-originator model that adds diversification but layers in originator-level risk. Bondora targets a different asset class entirely.

Maclear Fees: Full Breakdown of Costs That Affect Returns

Maclear charges no deposit fees, no withdrawal fees (€50 minimum), and no primary-market investment fees. The only investor-facing cost is the 2.5% seller fee on the secondary market, which applies only when a sale executes within 14 days of listing.

Maclear Fee Summary: What Investors Will Actually Pay

• Deposits: free, SEPA processing 1 to 3 business days
• Withdrawals: free, €50 minimum, 1 to 2 business days
• Primary market investment: free
• Secondary market (seller): 2.5% if sold within 14 days, avoidable by holding to maturity
• Secondary market (buyer): free
• Currency conversion: none for euro-denominated SEPA investors

The 2.5% secondary fee is avoidable. If you plan to hold loans to maturity, your effective cost is zero.

Maclear Taxes: What Investors Need to Know About Swiss Withholding Tax

Switzerland applies a 35% withholding tax on investment income, but Maclear avoids the deduction when investors complete full KYC verification. Completed KYC lets Maclear report interest to the investor’s home country tax authority instead of withholding at source. Practical result: you pay tax only in your country of residence.

A German investor, for example, pays 25% capital gains tax plus solidarity surcharge on Maclear interest. Italian, Spanish, and Portuguese residents follow their own national rates. Complete KYC before investing. That step is not optional. Maclear does not currently issue automatic annual tax statements; investors compile their own from transaction history. Non-EU investors or those with complex situations should consult a local tax advisor.

How to Register and Start Investing on Maclear

Registration takes roughly 1 to 2 business days from email signup to approved account. The flow uses SumSub for KYC, a recognized identity verification provider.

8 Steps to Start Investing on Maclear

1. Visit the registration page at maclear.ch.
2. Enter your email and create a password.
3. Verify your email via the confirmation link.
4. Submit KYC documents (ID, proof of address) through SumSub.
5. Wait for account approval, typically 1 to 2 business days.
6. Fund your account via SEPA to Maclear’s Finnish bank account (1 to 3 business days).
7. Browse the primary market or configure Auto-Invest.
8. Select projects and confirm investments. The €15 sign-up bonus and 3% cashback for 90 days activate automatically on first deposit when registered through a referral.

The €50 minimum applies per project, not per deposit. There is no minimum deposit floor.

Risks of Investing on Maclear: What Every Investor Must Understand

Every P2B investment carries credit, liquidity, and platform-level risks, and Maclear adds platform-age and single-originator dimensions on top. This section covers platform-specific risks, delayed financials, borrower verification gaps (the CRYPTON s.r.o. case), marketing sustainability, and general P2B risks.

Platform-Specific Risks: Key Concerns Unique to Maclear

Maclear has operated as a P2B lender for under three years, has not been tested through a full economic downturn, and acts as its own single originator. Five specific concerns:

1. Platform age: P2B operations since May 2023; no recession-cycle stress test on the loan book yet.
2. Single-originator structure: Maclear is both platform and loan originator. If Maclear AG runs into financial trouble, both layers fail at once. Multi-originator platforms like Mintos absorb originator failures without platform failure.
3. SME default risk: business loans default more often than secured consumer credit or real estate loans.
4. Geographic concentration: significant Bulgaria exposure creates correlated jurisdiction risk.
5. Growth-infrastructure gap: 720% loan-book growth in 2025 may outpace underwriting, legal review, and collections capacity. This pattern is well documented across the P2B sector.

The Delayed Financials and Audited Reporting Gap

The 2023 financial report appeared in June 2025, more than a year after period end, with a CHF 118,379 loss. The loss itself is unremarkable for a growth-phase platform. The publication delay is the legitimate concern.

The 2024 audit was planned for Q1 2026 and the 2025 audit for mid-2026; both were unpublished at writing. Maclear cites accounting software integration challenges. Esketit and PeerBerry publish closer to industry norms. Until current audits land, independent verification of platform financial health is limited.

Borrower Verification Gaps: The CRYPTON s.r.o. Case

CRYPTON s.r.o., a Czech-registered borrower marketed as a bitcoin-mining operation, holds trade licenses spanning trade, services, agriculture, forestry, coal mining, food production, clothing, footwear, engineering, and translation. That is a documented mismatch between the marketed operational profile and the registered scope.

Partner data centers in Ethiopia, Oman, and Argentina add jurisdiction risk, energy-price exposure, and counterparty risk on top. None of this is a fraud accusation. Borrower presentations on any P2B platform may not fully capture underlying complexity. The practical takeaway: always review full project documentation, not just the platform summary.

Aggressive Marketing and Bonus Campaign Sustainability Concerns

Maclear relies on cashback bonuses, influencer marketing, and referral programs for investor acquisition, and combined investor-facing returns approach 20%+ during promotional periods. The structural question is whether net platform margin sustains those acquisition costs alongside borrower financing.

Maclear’s stated strategy is growth over near-term profitability, which is a defensible startup position. Significant investor inflows from France, Spain, and Portugal show the marketing is working. Marketing intensity alone is not disqualifying; audited financials are needed before scaling positions substantially. The current reporting gap is the binding constraint.

General P2P/P2B Lending Risks All Investors Should Understand

These risks are sector-wide, not Maclear-specific, but they apply to every euro you deploy on the platform.

Key Risks of P2B/P2P Investing: A Quick Reference

• Liquidity risk: 12 to 16 month lock-in periods, secondary market depends on buyer demand
• Credit / default risk: SME loans default more often than secured consumer loans
• Platform insolvency risk: no deposit insurance, no FINMA prudential supervision equivalent
• Regulatory uncertainty: SRO oversight is not banking license oversight
• Concentration risk: single-platform exposure compounds platform-level failure
• Currency and jurisdiction risk: cross-border borrowers add enforcement complexity

Standard practice is portfolio diversification across multiple P2B platforms, not single-platform concentration.

Maclear Pros and Cons: An Objective Scorecard

Maclear’s strengths cluster around Swiss structure, collateral, and yield; its weaknesses cluster around platform age, single-originator structure, and reporting delays.

Maclear Pros

• Swiss-registered company under PolyReg AML supervision
• Collateral-backed loans with Maclear as legal collateral agent
• Documented first-default recovery case (Vibroedil S.R.L., 100% principal returned)
• Competitive interest rates: 13.5 to 16.5% range, 14.6% platform average
• Maclear Provision Fund as bridge mechanism for timing gaps
• Auto-Invest with granular filters (launched July 2025)
• Secondary market available (launched May 2024)
• Multilingual platform (six languages)
• Named management team with verifiable financial-sector backgrounds
• Low fee structure: free deposits, withdrawals, and primary-market investing

Maclear Cons

• Short operating history (P2B since May 2023, not stress-tested)
• Single-originator structure compounds platform-level risk
• 2023 financials published over a year late; 2024 and 2025 audits not yet available
• Provision Fund balance not publicly disclosed
• Geographic concentration in Bulgaria creates correlated jurisdiction risk
• Aggressive bonus and influencer marketing raises unit-economics questions
• No real-time default statistics or audited recovery-rate data
• Illiquid by design (12 to 16 month lock-in, secondary market is conditional)
• No deposit insurance or equivalent investor protection scheme

Maclear vs. Competitors: Where It Stands in the P2B/P2P Market

Maclear’s closest peers are Debitum and Lande on the P2B side; Mintos is a structurally different multi-originator comparison. Each platform fits a different investor profile.

Choose Maclear when: you want a Swiss-domiciled platform with higher-yield SME exposure (14.6% average) and you can accept the short track record in exchange for collateral-backed loans. The Vibroedil recovery is the strongest signal that the collateral process works in practice.

Choose Debitum instead when: you prioritize a longer operating track record and audited transparency over yield. Debitum runs around 13% with a smaller bonus program but a more mature reporting cadence.

Choose Lande instead when: you prefer agricultural collateral with a proven recovery history and lower risk. Lande sits around 11% return, with a lower risk profile and narrower sector exposure.

Choose Mintos instead when: you want broad diversification across loan originators and asset types. Mintos multi-originator architecture spreads risk but adds an extra failure layer (originator default separate from platform default).

[SCREENSHOT: Maclear vs. Top P2P/P2B Platforms: Side-by-Side Comparison infographic, manual capture from maclear.ch comparison page or compile from competitor sites]

Final Verdict: Should Investors Consider Maclear in 2026?

Maclear is a credible Swiss-regulated P2B platform with competitive yields and a documented collateral-recovery case, but its short track record and delayed audits call for a cautious starting position. Three investor profiles:

Experienced P2P/P2B investors looking for Swiss-regulated, collateral-backed exposure should consider Maclear with a cautious starting allocation. Start with €50 per project across 10 to 20 projects to build a diversified position before scaling. The Vibroedil case is the strongest evidence the collateral process works.

First-time P2P investors or those needing liquidity inside 12 months should look elsewhere. The 12 to 16 month lock-in and platform-age risk make Maclear unsuitable as a starter platform. A watchlist position is more appropriate; revisit after the 2024 and 2025 audits publish.

Investors who treat delayed audited financials as a dealbreaker should choose Debitum or Lande. Both run more conservative yield profiles but with longer track records and more current reporting.

[SCREENSHOT: Maclear At a Glance: Key Stats Summary infographic, Founded 2023 (P2B), HQ Wallisellen Switzerland, Platform Type P2B, Avg. Return 14.6%, Min. Investment €50, Secondary Market Yes, Regulation PolyReg/FINMA, Collateral Type Tangible assets, Provision Fund Yes, Rating 7/10, manual capture or design from maclear.ch data]

Frequently Asked Questions

Is Maclear regulated?

Maclear is regulated as a financial intermediary under Swiss law through PolyReg membership, a FINMA-recognized self-regulatory organization. PolyReg supervises AML obligations under Article 24 of the Swiss AMLA. This is compliance regulation, not banking license oversight. Maclear is not directly licensed by FINMA, and PolyReg does not supervise platform solvency or investor protection.

What is the minimum investment on Maclear?

The minimum investment on Maclear is €50 per project, with no minimum deposit requirement. Investors can build positions across many projects at €50 each. The low per-project minimum supports diversification: a €1,000 portfolio can spread across 20 loans, reducing single-borrower default impact while maintaining exposure to the platform’s average 14.6% yield.

Does Maclear have a secondary market?

Yes, Maclear launched its secondary market in May 2024. Sellers pay a 2.5% transaction fee if the listing executes within 14 days; buyers pay no fees. Listings can be priced at original value or up to 50% discount, with a 30-day holding period before listing. Liquidity depends on buyer demand; in stress scenarios, exit may be limited.

How do investors withdraw money from Maclear?

Withdrawals process via SEPA to a bank account in the investor’s name, with a €50 minimum and no platform fee. Funds typically arrive within 1 to 2 business days. There is no withdrawal cap. Investors can withdraw repaid principal and accrued interest at any time, though active loans stay locked until maturity or until sold on the secondary market.

Is Maclear suitable for beginner investors?

Maclear is not the most suitable starter platform. The 12 to 16 month illiquidity, P2B credit risk, and platform-age factors call for some prior P2P experience to navigate confidently. Beginners typically benefit from longer-track-record platforms or auto-investment products with broader diversification. Maclear fits investors who already understand SME credit dynamics and collateral mechanics.

How are Maclear returns taxed?

Switzerland’s 35% withholding tax is avoided when investors complete full KYC verification, which lets Maclear report interest to the investor’s home tax authority. You then pay tax only in your country of residence (e.g., 25% capital gains plus surcharge in Germany). Maclear does not issue automatic annual tax statements; investors compile their own from transaction history.

What happens if Maclear goes bankrupt?

Investor funds are segregated from Maclear AG’s operational accounts under Swiss law, and outstanding loans plus collateral remain enforceable claims of investors. In a bankruptcy scenario, the collateral structure and IPAC contracts continue to apply. There is, however, no deposit-insurance equivalent. Recovery would depend on collateral enforcement and administrator processes, which can take months or years.

Has Maclear experienced any loan defaults?

Yes, Vibroedil S.R.L. filed for insolvency on July 22, 2025, the first default in Maclear’s history. Every investor received 100% of principal back. No funds were drawn from the Provision Fund; recovery came via the borrower’s owners’ personal funds after a negotiated agreement. This is one documented data point, not a universal recovery guarantee for all future defaults.

Is Maclear a P2P or P2B platform?

Maclear is a P2B (peer-to-business) platform, not consumer P2P. Borrowers are SMEs in real-sector industries (manufacturing, trade, logistics, construction, services), not individual consumers. Loan sizes, durations, collateral structures, and default dynamics all differ from consumer P2P. Search traffic for “Maclear P2P review” is common, but the asset class is institutional business credit, not retail consumer lending.

Sources

• Maclear AG official site
• Maclear Statistics page
• Maclear About Us, Founders and Team
• Maclear blog: First Default, Full Recovery (Vibroedil case)
• Maclear blog: Annual Inspections by PolyReg
• Maclear blog: Business Model, Regulation and Transparency
• Maclear blog: 2025 Annual Report (720% growth, €52.8M funded)
• Maclear blog: Secondary Market release announcement
• North Data, Maclear AG, Wallisellen, CHE-115.674.165
• Just-P2P, Maclear Review 2026
• Jean Galea, Maclear Review 2026
• Northern Finance, Maclear review