I started my crowdlending journey back in 2020, during the pandemic, after trying various passive income streams. Since then, I’ve invested through roughly 50 different P2P platforms. Today, I maintain about 10-15 “favorite” platforms that allow me to live off passive income. Among all these, Maclear currently stands out as my top performer. Here’s my complete review: How I Earn €2.000+ Monthly in Passive Income with Maclear.
What Exactly is Maclear? Understanding the Platform
Maclear AG is a Swiss-regulated P2P crowdlending platform operating under the self-regulatory organization PolyReg. Here’s how it works:
The Process:
Business Application: European companies submit funding requests
Expert Review: Multi-stage due diligence by financial experts
Regulatory Compliance: Swiss regulators verify each business
Investor Financing: You fund verified projects starting from €50
Monthly Returns: Receive interest and principal payments
My Experience: Since starting in July 2023 across over 214 projects, I’ve had ZERO late payments and ZERO defaults. This reliability is why I trust them with significant capital.
Safety First: How Your Investment is Protected
As someone who’s seen platforms fail, security is my top priority. Maclear uses multiple protection layers:
Borrower Scoring System: Every company gets graded AAA to D using:
Financial Risk Analysis (debt levels, profitability)
Qualitative Risk Assessment (management, business model)
Coverage & Liquidity Risk (ability to cover payments)
The Reserve Fund: 2% of every successful loan goes into a protection fund. If a borrower is late by more than 3 days, this fund continues your monthly interest payments.
Collateral Enforcement: Maclear acts as collateral agent for all investors with a clear debt collection procedure.
Swiss Regulation: The PolyReg oversight ensures strict AML and compliance standards.
The Proof: My Actual Dashboard Results
Here’s what the numbers look like in reality:
Key Metrics:
Total Invested: €154.000
Total Profit Earned: €29.230
Active Investments: 214 Projects
Successfully Repaid: 57 Projects
Investment Basics: What You Need to Know
Getting Started:
Minimum investment: €50
Zero fees on deposits, investments, or withdrawals
Need valid ID and bank account in your name
How Earnings Work:
Monthly Interest Payments: Borrowers pay interest monthly
Principal Repayment: Your initial investment returns gradually each month
Compounding: Reinvest returned principal to compound earnings
My Boosted Returns:
Due to my portfolio size, I receive a +3% loyalty bonus on every project, pushing my average annual return to around 18%. The platform offers:
Loyalty Bonus: Up to 3% extra based on portfolio size
Referral Program: 3% bonus for both parties
Investment Rewards: Special promotional rates
Deposits & Withdrawals: The Practical Details
Deposits: SEPA bank transfer or integrated payment providers
Withdrawals: Available funds can be withdrawn anytime to your verified bank account
Important: Swiss regulation requires funds be invested or withdrawn within 60 days
Why I Choose Maclear Over Other Platforms
After testing 50+ platforms, here’s what makes Maclear exceptional:
Proven Reliability: 214+ projects, zero issues
Transparent Operations: Clear scoring system and reserve fund
Competitive Returns: Base rates + bonus system = outstanding yields
User-Friendly Platform: Intuitive interface with all necessary information
Professional Support: Responsive customer service
Ready to Start Your Journey?
If my verified results and comprehensive experience resonate with you, I can wholeheartedly recommend starting with Maclear. It’s been the most reliable component of my passive income strategy.
You can start with just €50 and begin earning monthly returns. If you’d like to use my referral link and get 3% cashback bonus from each investment you make for the first 90 days after registration. For example, invest 10.000 eur and get instant 300 eur cashback:
Start Your Maclear Journey Here with My Referral Link
New Opportunity: Crypto Projects via 8Lends
Since mid-2024, Maclear has expanded its offer with a partnership called 8Lends, which allows investors to finance projects denominated in cryptocurrencies.
Here’s what makes this new option interesting:
High Yields: Projects can offer interest rates of up to 25% annually, significantly higher than traditional SME loans.
Crypto-Backed Loans: Borrowers pledge crypto assets as collateral, which reduces the risk of total loss.
Same Swiss Oversight: These projects are still listed under Maclear’s regulated structure, giving an additional layer of trust compared to many unregulated crypto-lending platforms.
Flexible Entry: You can participate from small amounts, just like in standard projects.
My Personal Take: I personally prefer to stay in the traditional euro-denominated SME projects because of their lower risk and proven track record. However, for readers with higher risk tolerance and interest in crypto markets, 8Lends could be a way to diversify and potentially achieve much higher returns.
You can find more information about Crowdlending investment on my website carliaconsulting.com where you will find an area just dedicated to P2P loans. I will explain you more in detail how does participative loans work, best platforms, how diversify and how I reached my financial freedom thanks to this kind of investment.