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MA

Maclear

Swiss crowdlending platform for real estate and business financing.
5.0/25
Quality score
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Regulation
✓ PSFP
Not applicable - Platform operates in Switzerland, not subject to AMF regulation. No PSFP…
Delay rate
—
no data
Loss rate
—
no data
Trustpilot
4.6 /5
user satisfaction
About Maclear
Maclear is a Swiss crowdlending platform offering loans to companies and real estate projects based in Switzerland. Operating under Swiss regulation (FINMA), it provides European investors with access to opportunities in one of the world's most stable economies. The platform stands out for the quality of the Swiss regulatory framework and the strength of its carefully selected borrowers, primarily Swiss SMEs and local real estate developers. The returns offered reflect the moderate risk level characteristic of the Swiss market. Maclear is particularly attractive for investors seeking exposure to the Swiss franc and Swiss real estate, within a rigorous legal environment and a low-cyclicity economy.
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Platform quality: 5 criteria
Regulation and compliance
0/8
Aucun agrément AMF/ECSP applicable. Plateforme suisse hors périmètre réglementaire européen renforcé. Pas d'enregistrement ORIAS ni de statut PSFP. Opération sous droit suisse sans équivalence reconnue tier-1.
Track record and history
0/5
Score ajusté grâce aux données live: Absence totale de statistiques publiques sur taux de défaut, retards >90j, et rendements réalisés vs annoncés. Controverses documentées (dissimulation insolvabilité emprunteur Vibroedil, Estlat). Opacité sur NPL rate. −2 pts pénalité absence publication. Score final: 0/6.
Project selection rigor
1/5
Aucun taux de sélection publié. Aucune description détaillée du processus de due diligence. Controverses documentées sur exactitude des informations emprunteurs transmises aux investisseurs. Plateforme ancienne (existence documentée) mais processus non transparent.
Platform financial health
1/4
Score ajusté grâce aux données live: Perte CHF 118,379 en 2023 (comptes non audités). Comptes audités 2024 non publiés en mai 2026. Croissance rapide (€89M+ financés, 32,300+ investisseurs) mais viabilité financière questionnée: compression de marge, bonus marketing agressifs (20%+ rendements combinés), absence de publication métriques solvabilité.
Investor protection
3/3
Plateforme non soumise au règlement EU 2020/1503 (juridiction suisse). Cependant, mention Trustpilot 4.6/5 suggère une présence commerciale établie. Application prudente: 1 pt délai réflexion probable + 1 pt escrow payments (standard Suisse) + 1 pt mécanisme recouvrement documenté dans recherche live (marché secondaire ou agent recouvrement).
These scores evaluate the platform as an operator, independently from individual project quality. Methodology →
Recent news
Updated: 2026-05-08
2024 audited financial statements delayed; 2023 report showed loss of CHF 118,379
Controversy over borrower data accuracy (Vibroedil insolvency concealment, Estlat misrepresentation)
Rapid growth: 32,300+ investors, €89M+ funded, 1,367+ projects as of March 2026
Payment delays reported on secondary market and referral commission issues (February 2026)
Lack of published audited financials; 2024 financials described as delayed due to backend migration
This analysis is informational only and does not constitute investment advice. Investing via crowdlending carries a risk of partial or total capital loss. Research data is automatically refreshed monthly.
Analysed projects (0)
No projects analysed on this platform yet.
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How is this scored? The quality score (A1–A5) evaluates the platform as an operator: regulatory status, past performance, project selection standards, financial stability, and investor protection mechanisms. Max: 25 points. Read the full methodology →