Maclear Review: A Swiss-Based P2B Platform Without Investment Regulation
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Guarantees & features
- Secured: No
- Regulated: Yes
- Buyback Guarantee: No
- Secondary Market: Yes
- Auto Invest: Yes
- Cashback: No
- Investor Compensation: No
Maclear is a peer-to-business lending platform founded in 2022 and headquartered in Switzerland, connecting investors with businesses seeking development financing. It is a member of PolyReg, a Swiss self-regulatory organisation — but it's worth being clear that this covers anti-money-laundering supervision, not an investment services licence.
What is Maclear?
Maclear positions itself as a Swiss gateway channelling investor capital toward businesses, primarily in other parts of Europe, seeking growth or development financing. Unlike consumer-loan platforms, it focuses on funding companies directly rather than individual consumer credit.
Key features
- Swiss-based, AML-supervised: Maclear is a member of PolyReg, which supervises anti-money-laundering compliance under FINMA oversight — this is a compliance framework, not investor protection regulation for the investment itself.
- Business financing focus: loans go directly to companies rather than to individual consumers.
Risk considerations
Maclear does not currently offer a buyback guarantee, secondary market or auto-invest, and does not participate in an investor compensation scheme. Because its regulatory status covers AML compliance rather than investment services, it doesn't carry the same investor-protection framework as platforms licensed under ECSP or MiFID II — worth keeping firmly in mind when deciding how much of your portfolio to allocate here.
Who is Maclear for?
Maclear may suit experienced investors comfortable doing their own due diligence on individual business loans, who understand that its Swiss base brings AML compliance rather than formal EU-style investment regulation, and who treat it as a small, higher-risk component of a diversified P2P portfolio.
Similar platforms
Business loans
Consumer loans, Business loans, Real estate development
Consumer loans, Business loans
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