Maclear

Switzerland · Ettevõtete · Asutatud 2023

Meie skoor

3,8

Keskmine tootlus

16,5%

reklaamitud maksimum

Regulatsioon: No financial licence. Member of PolyReg, a FINMA-recognised self-regulatory body covering anti-money-laundering only

Ava Maclear konto Loe täielikku ülevaadet Kas sooduskood on olemas?

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Meie hinnang

Maclear AG offers secured business loans from EUR 50 at fixed rates, with no investor fees on the primary market and a secondary market that clears most listings within a day, but the Swiss address does not come with Swiss supervision. It holds no financial licence: its PolyReg membership, held since May 2022, covers anti-money-laundering duties only, and Maclear says itself that FINMA does not supervise it directly. It has never published audited accounts, and its unaudited 2024 report shows equity of CHF −87,026 and a CHF −122,941 loss; Maclear says an auditor has now been engaged. Independent researchers have found borrower revenue figures far above national registry data, and Spanish sources report a CNMV warning of 11 May 2026 that could not be retrieved from cnmv.es. One team sources, rates, services and enforces every loan and also vets borrowers for 8lends, which shares Maclear's founders, so the two do not diversify each other.

Loe meie täielikku Maclear arvustustRegulatsioon, tootlus, tasud, riskid ja meie hinnang põhjalikult (inglise keeles).

Mis toimib

Every loan is secured, with Maclear acting as collateral agent under a published escalation process, and its one disclosed default (Vibroedil, 2025) ended with all principal returned by Maclear's account
No fees on deposits, investments or withdrawals; the only charge is 2.5% on a completed secondary-market sale
EUR 50 minimum, AutoInvest, and a secondary market with no holding period and a median sale time of about three hours by Maclear's figures
Investors receive an assigned share of the loan claim on the borrower, and Maclear publishes annual reports and default case details although Swiss law does not require it

Mis ei toimi

No licence and no investor protection: PolyReg covers anti-money-laundering only, there is no FINMA or EU licence and no compensation scheme
No audited accounts and negative equity: the unaudited 2024 report shows equity of CHF −87,026 and a CHF −122,941 loss, with no auditor named
rethink-p2p.de found listed revenue far above registry figures for Vibroedil and two Estonian borrowers
A CNMV warning of 11 May 2026 is reported by Spanish sources but could not be confirmed on the regulator's own site

Kellele see sobib

Experienced investors who want a small, speculative allocation to secured business loans, sized so that losing all of it would be unpleasant but not damaging.

Kuidas skoor koosneb

Kuidas see skoor arvutatakse

Regulatsioon30%2.5/10

Ajalugu25%4.1/10

Läbipaistvus15%3.6/10

Likviidsus15%6.5/10

Hajutatus10%3.5/10

Tootluse usutavus5%3.0/10

Iga mõõde saab dokumenteeritud sisendite põhjal hinde 0–10, mis korrutatakse kaaluga ja liidetakse. Ümardatakse alles lõpus.

Number võetud lehelt: www.maclear.ch · 19. sept 2026 · Advertised 'up to 16.5%'. Maclear's statistics page renders client-side and could not be read; its claimed platform average of ~14.9% cannot be reconciled against any audited figure, because no audited accounts exist.

See platvorm blokeeris meie automaatse kontrolli, seega pärineb see number eelmisest lugemisest ja täna seda ei kinnitatud.