Maclear review & bonus

Maclear offers business-loan investments with a €30-per-€500 project incentive and a separate partner cashback programme. The useful attraction is access to individual company financing and collateral information. The word “Swiss” should not substitute for analysis of the company, the security or the contract. ^[CW-M]

Maclear is available to EEA investors. Non-Swiss onboarding declarations still apply and must be completed accurately; EEA availability does not itself establish bonus qualification. ^[M1]

What the investor owns

Maclear's model uses claim purchase and assignment agreements associated with loans to businesses. The selected project determines the borrower, repayment schedule and contractual security. ^[M1]

A business can default even when it owns valuable equipment or property. The value available to investors depends on the charge rank, creditor claims, selling costs and time. If repayment depends on a new lender or buyer, changes in financing conditions can affect the exit even where the underlying asset remains useful.

Review the borrower's financial capacity before treating the coupon as income already earned. High projected returns are a reason to investigate the financing need, not an independent sign of attractive value.

The Swiss regulatory distinction

Maclear describes membership of PolyReg and explicitly says it is not directly licensed by FINMA. FINMA's own explanation says affiliated intermediaries are supervised by their SRO for anti-money-laundering obligations rather than directly by FINMA. ^{[M2, M3]}

This should be stated precisely. SRO affiliation is not an EU crowdfunding licence, bank deposit insurance or a regulator's approval of every loan. We have not independently matched a current entity-level SRO membership certificate in this research.

The company also refers to external compliance audits. An audit needs to be described by its date and scope. An AML-process review cannot establish that the collateral will sell for enough to repay a particular investment.

EEA availability and non-Swiss declarations

The current general terms include Swiss-directed service language. They require non-Swiss investors to confirm that they discovered the platform independently and initiated contact. The partner campaign separately says it is available to EEA and Swiss investors and publishers. ^{[M1, CW-M]}

Maclear is available to EEA investors. We will not advise a referred reader to make a declaration that misrepresents how they arrived. Read and complete applicable onboarding steps accurately; if a declaration does not match your circumstances, ask Maclear before accepting it.

The geographic clarification does not remove contractual declarations, project checks or the separate unresolved cashback payout conditions.

What the protection mechanisms do

The recorded product describes a Provision Fund for temporary interest delays and Maclear acting as collateral agent in recovery. These arrangements should not be described as unconditional insurance of principal. ^[CW-M]

The general terms also warn that investor funds do not receive privileged treatment under Swiss bankruptcy law and that complete loss is possible. That deserves attention alongside public explanations of segregation and continuing ownership of claims. We have not established the insolvency result for every relevant account and project structure. ^[M1]

A Secondary Market may help an investor seek a buyer. Its existence does not prove immediate liquidity, and a collateral process may take much longer than the original schedule. A final review should examine the actual transaction and security documents, not resolve these questions with a broad safety label.

The €30-per-€500 project bonus

Maclear's current FAQ requires at least €500 in one transaction into an eligible native Primary Market project. Complete €500 blocks earn €30 each, capped at €300 per project. Splitting €300 and €200 does not qualify. ^[M4]

The reward is a separate BONUS investment in that project, not wallet cash. It appears at reservation and follows the project's repayment schedule. Secondary purchases and bonus-position investments are excluded; the bonus position cannot be sold on the Secondary Market. Manual and AutoInvest placements qualify. ^[M4]

This can increase project exposure, rather than provide money you can immediately withdraw. The selected borrower and maturity still deserve examination before choosing an amount.

Separate cashback and loyalty programmes

The supplied InvestBeacon campaign describes 3% investor cashback on actions during the first 90 days. Its calculation base, cap, payment timing and withdrawal rules still need the applicable commercial contract. Publisher validation rules do not automatically define the investor's payout. ^[CW-M]

The official FAQ permits combination of the project reward with other eligible programmes. That does not establish every reward through our specific link or make the combined benefit an annual yield. ^[M4]

The researched loyalty page starts at €5,000 of active funded investments, with additions of 1.5, 2, 2.5 and 3 percentage points at €5,000, €15,000, €40,000 and €75,000. The applicable addition locks when an investment becomes Funded; later tier changes apply to subsequent investments. These are company-published mechanics, not evidence of guaranteed payment. ^[M5]

Our assessment

Maclear is a business-credit proposition with several distinct investor incentives. Its commercial appeal does not resolve the geographic declarations, the exact claim structure or recovery capacity. Those questions deserve answers before you rely on the incentives.