Blog Maclear

Index funds are passive baskets that track a market index, giving you instant diversification across many stocks at a low fee, with returns driven by the equity market. P2P lending is private credit: you fund business loans and earn interest, measured as AROI. Index funds suit broad market exposure; P2P adds income with low correlation. Capital is at risk in both.

"Real estate" means owning property — or a share of it through real-estate crowdfunding — to earn rent and potential appreciation. P2P lending means funding loans to earn interest, measured as AROI. Real estate is a tangible asset but needs large capital and is hard to sell quickly; P2P starts from €50 and is more passive. Both carry risk, including loss of capital.

A savings account holds your money at a bank, pays low interest, and is covered by deposit insurance (around CHF 100,000 in Switzerland or €100,000 in the EU), with near-instant access. P2P lending invests your money in business loans for potentially higher returns, but the capital is not insured and can be partly or fully lost.

Bonds are tradable debt securities: you lend to a government or company, earn a fixed coupon, and can sell them on a market before maturity — but the price moves with interest rates. P2P lending is private debt — you fund business loans, earn returns measured as AROI, and exit only through a secondary market. Both pay income; neither is guaranteed.

Stocks make you a part-owner of a public company; you earn through dividends and price appreciation, with high liquidity but market volatility. P2P lending is private debt: you lend to businesses and earn interest, measured as AROI, over a fixed term. Stocks reward ownership and growth; P2P targets regular interest income. They suit different goals, and returns are never guaranteed.

Inside Maclear’s June 2026 figures: €10.56M invested across 16 projects, 3,989 active investors, and €6.86M returned in principal and interest as 80 projects repaid principal.

Fixed-income investing means lending money to a government, company, or borrower in exchange for regular interest payments and the return of your principal at maturity. Common fixed-income investments include government and corporate bonds, money-market instruments, and P2P lending. Returns are more predictable than equities but not guaranteed, and capital stays at risk from default and rising interest rates.

Invest €27,000 or more on Maclear's Primary Market this July and earn an extra +1.5% annual yield on every position — while climbing faster toward higher loyalty tiers.

Digital lending means applying for, approving, and funding loans entirely online. How the model works, its types, digital lending vs investing, and the risks.

How Maclear's Secondary Market works in P2P lending — discounts, repayment history, liquidity data, and the strategies active investors use to get more from a P2P portfolio.

A provision fund and a buyback obligation are different P2P loss-protection mechanisms. How each works, what it covers, and why Maclear uses a Provision Fund.

AutoInvest automates investing on Maclear: set your strategy and the system funds matching projects by priority. See the rules, limits, and what it cannot do.

AROI (Annualized Return on Investment) is how Maclear measures P2P returns.

Western Europe funded it, Central and Eastern Europe absorbed it: inside Maclear's May 2026 figures — €10.46M deployed, €2.74M repaid, and an all-time base of 39,546 investors.

Annual accounts comprising the balance sheet, the profit and loss account, the notes to the accounts, and the proposal for the appropriation of retained earnings.

An update from the Director on the platform's 2024 results — how your funds work, the figures behind the year, the capital position, and the road ahead in 2025.

Maclear is introducing a faster way to fund your account — the instant deposits feature. Every investor gets a personal virtual IBAN. Deposit fees remain 0%.

P2P lending risks include borrower default, platform, liquidity, regulatory, concentration and macroeconomic risk. Capital is at risk and returns are not guaranteed.

P2P lending in Switzerland works under SRO membership overseen by FINMA. Investors report tax themselves, funds are held temporarily, and returns are not guaranteed.

A P2P lending secondary market lets investors sell loan claims before maturity. How pricing, the 2.5% seller fee, lockups, and adverse-selection risk work.

How farmland investing generates returns, what risks investors face, and how crowdlending platforms now provide accessible exposure to real economic activity.

Hard assets hedge inflation through scarcity; soft assets through floating rates and contractual repricing. Structural comparison for 2026 portfolios.

Learn how 2% of every funded project protects investor interest payments.

April 2026 brought €8.65M in project funding, 2,836 active investors, and €2.92M repaid across 34 projects. See the full Maclear platform recap.

Why pensions, endowments, and insurers are reallocating from 60/40 to private credit, infrastructure, and crowdlending — driven by liabilities, not yield.

How non-correlated alternatives — private credit, crowdlending, infrastructure, farmland — lower portfolio volatility when stocks and bonds fall together.

A practical guide to collateral structures, recovery processes, and why active platform management

Why geographic concentration is one of the most overlooked risks in crowdlending

Crowdlending returns aren't driven by market timing.

Loan duration and yield are two sides of the same trade-off. Learn how maturity, interest rates, inflation and credit risk interact.

Markets reward disciplined investing, not raw intelligence. Why consistent behaviour, predefined rules, and low activity outperform clever timing over the long run.

Investment fees compound silently year after year. Learn which fees matter most, how they erode long-term returns, and how to keep more of what you earn.

Many people think of liquidity as simply cash. In reality, there are different levels of ease in accessing cash to use it for various purposes. It isn’t always the best form to store wealth in though, as the greatest opportunities lie in more locked-in assets.

This guide explains how bonds work, what the different types offer, how to read yield metrics — and how modern private credit extends bond-style income beyond public markets.

This report presents an overview of Maclear’s platform performance for March 2026, covering key metrics related to investor activity, capital inflows, project funding, and repayments.

Two of the most discussed methods of participating as an investor is going hard core as a specialized active investor or just helping to build the market long-term passively. Here we explain what these refer to, their benefits, and some options for practicing them.

Read some ways to turn time to your advantage.

Most of the lending opportunities participants are used to demand a massive commitment and don’t fully provide returns for years. Maclear’s business model, meanwhile, entails a time-tested system focused on short-term returns under a very secure environment.

Investors always want to know as much as they can about a company’s financials, its overall performance, and which direction it’s trended in recently. That’s why Maclear provides all of this information on two dedicated pages. Here, we detail which information is posted and where.

To some companies and their financiers, there are goals and strategies bigger than short-term profits.

When considering investing in a project, the numbers are one of the first things to ask.

Global corporations, in particular tech firms, have recently demonstrated a clear move in favor of building international teams and outsourcing.

This report outlines Maclear’s platform activity for February 2026, covering investor participation, capital inflows, project funding, and repayments across the portfolio.

Switzerland maintains a proud tradition of fueling capital to worthy projects and causes in innovative ways. Now that lending has gone digital and global,

Switzerland is incredibly vigilant and thorough when it comes to eliminating consumer and lender rights abuses, cybercrime, and money laundering.

In this interview, we spoke with founder and CEO Ognyan Georgiev Zdravkov.

We spoke with CEO Toma Tomov on how disciplined production, predictable planning, and capacity upgrades turn demand into sustainable growth.

Here, we break down the broad variety of ways Switzerland guarantees financiers’ rights.

Read here about the Swiss standards that PolyReg holds Maclear to, as well as its own independent principles, resulting in the utmost in security for its investors.

FINMA and Switzerland's self-regulatory organizations are among the most rigorous in the world, reinforcing the wide range of measures Maclear already employs to boost investor confidence and security.

Here we detail why Switzerland’s robust legal system ensures stakeholders dealing with SRO-listed members are safe.

Loan-to-Value (LTV) is the ratio of a loan amount to the value of the collateral securing it, calculated as Loan Amount ÷ Collateral Value. A lower LTV means more collateral cover per unit of debt. In secured crowdlending, collateral and a low LTV reduce potential loss if a borrower defaults, but they do not eliminate it.

Discover why current market valuations provide more accurate collateral assessment than historical book values.

This report provides an overview of Maclear’s platform activity and performance in January 2026.

Discover the most lucrative countries for crowdlending.

€6.9M invested, 6,598 active investors, €1.47M repaid. Discover growth metrics and top-funded projects across Europe.

Maclear's 2025 performance. Explore annual metrics, 886 funded projects, and expansion to 72 countries worldwide.

Overview of Maclear’s Swiss structure and regulatory compliance.

Explore Maclear's approach to P2B investing and risk management.

Explore the mechanics, benefits, and the future of collaborative financial ecosystems.

Learn how to build trust and network with expert investors

Explore quantum computing investment opportunities in 2025.

Learn how to invest in biotechnology and genomics stocks and ETFs.

Explore key metrics, top countries, funded industries, and platform growth.

Learn how to invest in 5G, IoT, and smart city infrastructure.

Learn how to invest in the $1.8 trillion space economy through funds, stocks, and emerging space companies in 2025.

Learn how to cash in on the AI world with this overview.

This beginner-friendly guide breaks down how dividend stocks can help you grow steady income over time, even if you’re not a finance expert.

There exists a popular myth that passive income allows entrepreneurs to be totally passive and the money flows all on its own.

That actually isn’t so. In this piece, we break down the difference between income and net worth.

Learn formulas, strategies, and real-world applications

Discover how to reduce investment taxes legally

The analysis is made by the Maclear team.

In this piece, we give you advice to actually achieve your ambitions via a simple rule and 5 steps.

Discover this powerful diversification tool that thrives during market crises.

This guide explores the debate, touching on volatility, mainstream adoption, and tips for safe investing.

Discover how hedge funds operate, the strategies they use, and why they attract high-net-worth investors.

2025 marks a turning point for crypto P2P lending.

Stop overpaying your taxes - discover the government and employer benefits you might be missing and how to claim them today.

Real success stories and actionable advice to boost your score.

Learn how much you should save for real financial security.

Maclear’s first default case ended in 100% investor recovery

Crowdlending is growing fast in developing countries, but is it lifting communities up or taking advantage of them?

Discover investor protections, compliance requirements, and strategic tips for 2025.

Discover how France's AMF and ACPR regulate P2P lending platforms, ensuring investor protection and market stability.

September was marked by strong growth across deposits, investments, and new registrations.

Explore Germany's P2P lending regulations, BaFin requirements, and taxation rules.

Discover the latest UK regulations, tax laws, and future developments in crowdlending and cryptocurrency.

Learn about EU P2P lending regulations under ECSPR, investor protection mechanisms, platform authorization requirements

Discover how Maclear AG is redefining P2P crowdlending in Europe

Discover how digital identity is transforming credit scoring and lending

Discover how peer-to-peer lending is revolutionizing business financing in Europe

Explore how P2P lending will transform by 2030.

August was another strong month for Maclear, with significant growth in sign-ups, deposits and investments.

Discover what 2025 holds for ESG investing in Europe.

Learn the ways decentralized finance is revolutionizing banking.

Read about the role of AI, blockchain, big data, and mobile tech in transforming modern finance.

In this piece, we cover how crowdlending is revolutionizing finance by lowering the entry threshold.

Read about some smart strategies for investing in a warming world.

Maclear investors can now earn bonus points for specific actions within their personal accounts.