Back in 2019, when the pandemic hit the world, Alexander Lang and Denis Ustjev started to seek opportunities to support small and medium-sized businesses struggling to stay afloat and needing additional financing during such an unstable time. With extensive experience in investing, business consulting, and project development, they united around a shared vision: creating a crowdlending platform that would be transparent, user-friendly, and well-regulated. Their goal was to connect Swiss and EU investors with a diverse range of EU-based businesses in need of additional financing, offering an efficient and accessible alternative to conventional bank loans.
In 2020, they turned this vision into reality by acquiring Maclear AG, a company previously focused on developing complex GRC software solutions. Under their leadership, Maclear was reprofiled into a new venture, supported by a growing team of highly skilled professionals with years of experience. Our journey began with the first fundraising campaign in August 2023. Maclear started working with business projects in the Baltic countries.
Through time and teamwork, we have successfully expanded our reach to neighboring EU countries, offering a wider range of opportunities to our investors.Today, Maclear stands as a reliable P2P lending platform powered by complex and unique software, including built-in risk assessment tools and a robust scoring model. As a Swiss-based company, we operate under Swiss financial regulations and legislation.
Maclear AG is also a proud member of PolyReg SRO, regulated and monitored by Swiss financial authorities. This status enables us to act as a financial intermediary in the non-banking sector both within and from Switzerland. Swiss regulation imposes stringent standards on Compliance, AML, KYC, GDPR, and related areas. These norms prioritize investor protection and ensure awareness of both existing and potential risks.
Denis Ustjev, one of the co-founders, brings valuable expertise from his extensive background in business consulting, capital investment, business loans management, and senior management roles in multinational companies. His diverse experience across Estonia, Azerbaijan, and the United States has taught him practical financial knowledge in various cultural and geographical contexts.
The second co-founder, Aleksandr Lang, is critical in project selection, leveraging his expertise in foreign trade and industrial projects. Denis and Aleksandr draw upon their connections and networks, particularly in Estonia, to evaluate projects for potential listing on the platform.
Alexej Martin, the third director, contributes relevant banking experience as a relationship manager at MBaer Bank, CH, as a secondary AML/Compliance Officer. This reinforces the company’s commitment to a comprehensive and transparent approach.
The Maclear AG team combines its expertise, networks, and stringent risk assessment processes to create a reputable and reliable crowdlending platform that benefits investors and borrowers.
