Maclear, a Swiss crowdlending platform, has shared its 2025 year-in-review, offering a detailed snapshot of how the platform and its community evolved over the year. The report highlights growth across the investor base, deposits, funded projects, and overall user activity. Thus, 2025 became the platform’s strongest year to date, reflecting a broader European shift toward predictable, collateral-backed yield and short-term SME financing.

Investor Base Growth

Maclear’s investor community continued to expand steadily throughout 2024–2025, reflecting clear and sustained momentum in alternative lending. The platform attracted a notably larger and more active user base, supported by consistent deal availability, transparent underwriting standards, and rising demand for collateral-backed EUR yield.

This expansion is reinforced by strong users’ engagement: around 80% of investors make repeat investments, indicating trust in the existing lending model. While investing activity peaks during CET morning and evening hours, reflecting the platform’s predominantly European audience.

Core investor markets now include Spain, France, Portugal, Germany, Switzerland, and other EU countries — in other words, regions where investors are increasingly turning to alternative financing solutions.

Borrowers Profile

By the end of November 2025, Maclear had reached a series of operational milestones, reinforcing its position as one of the crucial providers of short-term, collateral-backed financing for European SMEs. The platform surpassed €47 million in total user deposits, deployed €57 million in capital, returned €12.4 million to investors, and completed 853 funded projects across the European Union. 

Its borrower base continues to expand across multiple EU regions, including Bulgaria, Estonia, Italy, Poland, and the Czech Republic. Projects come from a wide mix of industries such as services, agriculture, manufacturing, logistics, and wholesale, which highlights the broad demand for financing among European SMEs.

Alongside this widening footprint, Maclear maintains a conservative and consistent risk framework. The average portfolio rating remains at B, while collateral coverage typically ranges from 80% to 120%, with individual cases from 50% for highly secured loans to 150% for specially structured deals. This approach to underwriting is a key factor behind Maclear’s high reinvestment levels and sustained investor confidence.

Shorter, Smaller, Faster: The New SME Lending Model

Maclear’s 2025 data shows a clear shift toward a lending model with smaller loans, quicker cycles, and wider investor participation. The average project size is now about €50,000, down from €100,000 last year, which reflects a move toward more diversification and a faster flow of deals. Most projects bring in 100–200 investors, with an average individual investment of around €6,000, and more than 60% of investors now hold portfolios above €15,000.

Loan terms remain short, averaging 12 months, while projects continue to deliver an annual yield of about 14.6 percent. This combination of short duration and high participation rates resonates with European investors seeking stable income and transparent risk frameworks.

Secondary Market Surpasses €1M in Monthly Turnover

One of the most notable developments in 2025 has been the rapid growth of Maclear’s secondary market. It has become the platform’s most actively used feature, consistently generating more than €1 million in monthly turnover and emerging as a key component of investor activity.

The increased liquidity allows users to adjust and rebalance their portfolios with greater flexibility, which in turn reduces duration risk and supports participation in short-term SME deals. As trading volumes rise, the secondary market strengthens the overall ecosystem, giving investors additional control over their exposure while maintaining a stable flow of capital across the platform.

Maclear’s 2025 in Perspective

2025 has strengthened Maclear’s position in the European P2P lending space. The platform saw steady growth in its investor community, consistent capital deployment, solid short-term yields, and increasing activity on the secondary market. These trends reflect a broader shift across the regions, where SMEs are increasingly turning to alternative lenders as traditional bank credit remains tight.

“We are pleased to close the year on a positive note,” said Alexander Lang, CFO and Co-Founder of Maclear AG. “Demand for transparent, collateral-secured financing continues to grow, and we see sustained interest in short, efficient credit cycles. In 2026, we aim to improve our processes further and expand access to reliable SME funding across Europe.”

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