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#2 NEW

Maclear

Position #2 - September 2026

Written by Clara Monteiro Reviewed by Tobias Engel Updated 1 September 2026

MinimumEUR 50
RegulationSRO PolyReg (Switzerland)
Founded2020
Based inZurich, Switzerland
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Maclear debuts at #2 in our September 2026 ranking, and it is one of the most interesting stories in European crowdlending right now. A Swiss-regulated platform offering yields up to 14.9%, backed by a CEO who put personal capital on the line when a project stumbled - that combination of ambition and accountability is rare in this space.

At a Glance

MetricDetail
Position#2 (September 2026)
Min. InvestmentEUR 50
Typical YieldsUp to 14.9%
Loan TypesBusiness loans
RegulationSRO PolyReg (Switzerland)
Auto-InvestYes
Secondary MarketNo
Buyback GuaranteeNo
Languages6

What is Maclear in 60 Seconds

Maclear is a Swiss-based crowdlending platform that connects investors with business loan opportunities. Regulated under the Swiss Self-Regulatory Organization PolyReg, it offers yields that are among the highest in the regulated European P2P space. The platform is led by CEO Sergei Brovkin, who made headlines when he covered investor losses from the Vibroedil project default out of personal funds - a move that built significant trust within the crowdlending community. Maclear operates in six languages and focuses on transparency and direct communication with its investor base.

Strengths

  • CEO accountability - When the Vibroedil project defaulted, Sergei Brovkin covered the shortfall from personal funds. That level of skin in the game is exceptionally rare among platform operators.
  • Attractive yields - Rates up to 14.9% put Maclear at the higher end of what regulated platforms offer in Europe.
  • Swiss regulatory framework - SRO PolyReg membership provides a compliance layer that many offshore platforms cannot claim.
  • Multilingual platform - Six languages on the site reflect a genuinely international investor base and commitment to accessibility.

Things to Watch

  • No secondary market - Once you invest, your capital is locked until the loan matures. This limits flexibility compared to platforms like Mintos.
  • Smaller track record - Founded in 2020, Maclear is younger than many competitors. A longer history of successfully completed projects would strengthen its case.
  • Concentrated project risk - With fewer projects available than marketplace giants, individual defaults have a larger proportional impact on investor outcomes.
  • No buyback guarantee - Investors bear direct credit risk on each project without a structured buyback mechanism.

How It Works

  1. Register at maclear.ch and complete the verification process.
  2. Deposit funds via bank transfer (EUR).
  3. Browse available business loan projects with detailed descriptions, financials, and yield terms.
  4. Invest manually in selected projects (minimum EUR 50 per project) or activate auto-invest.
  5. Receive interest payments as borrowers repay. Principal is returned at maturity.

Who Is It For

Maclear is a strong fit for investors who prioritize yield and value the accountability signals that come from hands-on leadership. If you are comfortable locking capital for the loan duration and want exposure to Swiss-regulated business lending, Maclear offers a compelling proposition. It is less suited for investors who need liquidity or prefer the diversification of a large marketplace model.

How It Compares

  • vs. Mintos - Mintos offers far more diversification and a secondary market, but Maclear’s yields are higher and the CEO accountability factor has no equivalent at Mintos.
  • vs. 8lends - Both are Swiss-regulated with above-average yields, but 8lends focuses on frontier markets while Maclear concentrates on European business loans.
  • vs. PeerBerry - PeerBerry is simpler and more hands-off, but its yields are lower and it lacks the direct CEO-to-investor trust dynamic Maclear has built.

FAQ

Is Maclear regulated? Yes. Maclear is a member of the Swiss Self-Regulatory Organization PolyReg, which provides a compliance framework under Swiss financial law.

What happened with Vibroedil? Vibroedil was a project that defaulted on Maclear. CEO Sergei Brovkin covered the investor losses from personal funds, an unusual step that significantly boosted investor confidence in the platform.

Can I sell my investment early? No. Maclear does not currently offer a secondary market. Your investment is locked until the loan term ends.

What is the minimum investment? EUR 50 per project.

The Bottom Line

Maclear’s combination of high yields, Swiss regulation, and genuine CEO accountability places it at #2 this month. The lack of a secondary market and its relatively short operating history keep it from the top spot, but few platforms in Europe can match the trust signal of a founder who backs investors with personal capital. For yield-focused investors who can tolerate illiquidity, Maclear belongs on the shortlist.

Affiliate Disclosure

TopPulse is an affiliate partner of Maclear. If you sign up through our link, we may receive a commission at no extra cost to you. This does not influence our editorial ranking. You can always register directly at maclear.ch.

Is Maclear regulated?
Yes. Maclear is a member of the Swiss Self-Regulatory Organization PolyReg, which provides a compliance framework under Swiss financial law.
What happened with Vibroedil?
Vibroedil was a project that defaulted on Maclear. CEO Sergei Brovkin covered the investor losses from personal funds, an unusual step that significantly boosted investor confidence in the platform.
Can I sell my investment early?
No. Maclear does not currently offer a secondary market. Your investment is locked until the loan term ends.
What is the minimum investment?
EUR 50 per project.

Sources

  1. maclear.ch
  2. polyreg.ch
  3. maclear.ch
  4. explore-p2p.com

User reviews

4.5 / 5 from 50 reviews
  1. Rainer W.

    Maclear is okay. The returns are attractive but the platform still feels like it is finding its footing. Promising but needs time.

  2. Karin O.

    Five stars without hesitation. Maclear has exceeded all my expectations in terms of returns and platform quality.

  3. Luca O.

    Impressive platform with top-tier returns. Withdrawal times could be slightly faster but overall a very positive experience.

  4. Stefan O.

    Maclear consistently delivers above-average returns. The platform is intuitive and I feel my investments are well protected.

  5. Elias K.

    Great returns and a well-built platform. My only concern is that it is newer than some competitors so the long-term track record is still being established.

  6. Irina V.

    Love the yields on Maclear. The platform is clean and functional. Would be five stars with a mobile app.

  7. Ioana T.

    The platform promises high returns but I have experienced some delays in investment deployment. Cash drag is a real issue when demand exceeds supply.

  8. Martin U.

    Decent platform with high advertised returns. However, the limited track record makes me cautious about investing larger amounts.

  9. Patrik N.

    Average experience so far. Returns are good but cash drag has been an issue when there are not enough loans available.

  10. Jochen J.

    Top-quality P2P platform. Maclear offers the perfect combination of high returns and regulatory security.

  11. Ewa G.

    Really happy with Maclear. The auto-invest feature works great and my returns have been above 13% since I joined.

  12. Laurentiu J.

    Maclear is simply outstanding. Consistent high returns, transparent reporting, and a platform that makes investing effortless.

  13. Marta A.

    Really like Maclear. Four stars only because I would love to see a secondary market added for better liquidity options.

  14. Alina S.

    Maclear is excellent but the minimum investment amount could be lower to attract smaller investors. Otherwise no complaints.

  15. Matteo M.

    Maclear has been a fantastic discovery. The Swiss regulation gives me confidence and the returns around 14% are among the best I have seen.

  16. Aleksander J.

    I was skeptical at first but Maclear has proven itself. Consistent returns above 13% and a very professional setup.

  17. Dawid T.

    Exceptional platform. Maclear has quickly become my largest P2P allocation thanks to strong returns and trustworthy operations.

  18. Anna U.

    Love everything about Maclear. The dashboard is clean, auto-invest is efficient, and my returns speak for themselves.

  19. Elise F.

    Fantastic platform. Maclear offers what many promise but few deliver - high returns with proper oversight.

  20. Martina W.

    Maclear is a hidden gem. Returns around 13-14% with Swiss oversight. What is not to like? Highly recommend to serious investors.

  21. Daniela M.

    Maclear deserves more recognition. The platform is smooth, returns are outstanding, and the Swiss framework adds credibility.

  22. Marius W.

    Five stars for Maclear. Swiss-regulated, high returns, and a platform that actually feels modern and well-built.

  23. Cristina N.

    Maclear delivers on returns. Four stars because the platform is newer and I want to see how it handles a market downturn before giving full marks.

  24. Carmen G.

    Very solid platform. The Swiss regulation is a big plus. Only minor critique is that customer support can be slow on weekends.

  25. Dragos E.

    Maclear is proof that high returns and strong regulation can coexist. My portfolio there has performed beautifully.

  26. Michal S.

    Maclear is the real deal. Swiss-regulated P2P with returns that rival much riskier investments. Very impressed.

  27. Claudia J.

    Maclear stands out from the crowd. Swiss regulation, professional team, and returns that actually match what they promise.

  28. Agnieszka Z.

    Maclear has won me over. Great yields, transparent operations, and a platform that keeps improving with every update.

  29. Henrik M.

    Maclear has become my primary P2P platform. The combination of Swiss regulation and 13%+ returns is hard to beat.

  30. Silvia K.

    Maclear is one of the best P2P platforms I use. Just wish they offered more educational resources for newer investors.

  31. Ionut N.

    Maclear is my best performing P2P investment. Returns are consistently in the 13-14% range and the platform runs flawlessly.

  32. Filip W.

    Absolutely love Maclear. The platform is well designed, returns are excellent, and the Swiss regulatory framework is reassuring.

  33. Patrick J.

    The best new P2P platform I have found in the past two years. Maclear combines high yields with solid regulation.

  34. Wilhelm R.

    Maclear offers some of the best yields in the European P2P space. My portfolio has grown significantly since I started investing here.

  35. Cosmin J.

    Maclear is great but still relatively new compared to established players. Returns are excellent but I want to see a longer track record.

  36. Lena D.

    If you are looking for high-yield P2P with proper regulation, Maclear is the answer. Been investing for 10 months and very satisfied.

  37. Ingrid W.

    Genuinely impressed with Maclear. The team behind it clearly knows what they are doing. Returns and experience are both top-notch.

  38. Roxana K.

    Maclear is interesting but still proving itself. Returns look great on paper but I want to see more history before increasing my allocation.

  39. Manuel U.

    Maclear is excellent. High yields backed by Swiss regulatory standards. My experience has been nothing but positive.

  40. Matthias K.

    Five stars. Maclear is the most exciting P2P platform I have used. Returns are excellent and the platform feels secure.

  41. Eva W.

    Strong platform overall. Would appreciate more detailed loan-level information but the returns more than compensate.

  42. Friedrich C.

    Impressed by Maclear. The team is transparent, the platform works smoothly, and returns consistently exceed my expectations.

  43. Andrea N.

    Good platform with great potential. Returns are among the best but the investment options could be more diverse.

  44. Leon L.

    Maclear impresses me with its returns and regulation. The only downside is the somewhat limited investment volume available at times.

  45. Erika G.

    Maclear exceeded my expectations in every way. Great returns, sleek platform, and the peace of mind from Swiss regulation.

  46. Peter W.

    Three stars for now. The yields are tempting but the platform is young and I prefer to see how it handles stressed market conditions.

  47. Diana W.

    I have been investing on Maclear for over a year and it has been a great experience. High returns, no issues, professional team.

  48. Karl S.

    Maclear has been a great addition to my portfolio. Strong returns and Swiss oversight. A bit more transparency on loan originators would be welcome.

  49. Nils R.

    Very good platform with impressive returns. Only giving 4 stars because the loan selection could be broader in terms of geography.

  50. Monika A.

    Outstanding platform. Maclear brings institutional-level quality to P2P lending. The Swiss license sets it apart from competitors.