🌟 How we score projects and what drives the rate: Maclear’s logic behind

Every project on our platform receives a credit rating from AAA to D, similar in structure to the systems used by S&P, Moody’s, and Fitch.

🌟 This is the final overall rating after we assess all relevant risks.

Our rating framework is based on three dimensions:

🌟 Borrower’s financial health

🌟 Qualitative assessment of the business, management, and industry

🌟 Debt service capacity, including metrics such as DSCR and EBIT/Interest

These three layers help us understand how resilient the project may be over time.

🌟 The rating is an important factor in determining APR. Higher-rated projects typically receive a lower rate, though other factors also play a role.

Projects with a D rating do not pass due diligence and are not listed on the platform at all.

At the moment, we have no projects with a C rating on the platform, which shows how strictly we select projects.

APR is fixed for the entire fundraising period and does not change after you invest. In practice, the rate stays the same for the investor throughout the project’s collection period.

🌟 Another important factor is LTV (loan-to-value), meaning the ratio between the loan amount and the value of the collateral. The higher the LTV, the higher the potential APR — it is so because the risk is also higher.

🌟 And there is one more layer: bonuses such as referral rewards, loyalty rewards, and cashback. These are added on top of the base APR and can increase the effective return to 16.5% and sometimes even higher.

🌟 So in short: LTV affects the APR, and the APR is assigned annually and fixed. But the final rating is never based on one metric alone — it is the result of a full risk assessment.

🌟 New milestone is here

The first month of summer is off to a strong start, bringing Maclear two great round numbers:

🌟 €115M — total funded to support SMEs all across Europe and beyond

🌟 €35M — total repaid to investors

With our Advanced crypto course in full swing, we’re seeing many new faces joining the platform — welcome, and thank you to each of you for your trust and confidence.

Sincerely,
Maclear team

Expand your strategy with 8lends and get an extra 20 USDC 🌟

For those already have a Maclear account, getting started on 8lends is now easier than ever.

1⃣No additional KYC required

If you’ve completed verification and proof of address on Maclear, your KYC can be securely transferred to 8lends in just a few clicks.

Just click on “Continue with Maclear”.

2⃣ No need to set up or manage a crypto wallet yourself

8lends now supports built-in custodial wallets via Privy.

Sign up using email, Google, or Maclear (without connecting an external wallet) — and a secure wallet will be created automatically.

You can fund it from any exchange or external wallet and start investing right away. When signing up on 8lends, click on “Connect wallet”.

All gas fees are covered by 8lends.

3⃣ Free educational courses

Learn the fundamentals of crypto investing and how the 8lends model works.

Complete either one or both courses and start investing with a clear understanding.

4⃣ Bonuses, and more bonuses

🌟 20 USDC bonus for joining 8lends as a Maclear investor

🌟 30 USDC welcome bonus after registration and your first investment from 100 USDC

🌟 15 USDC for completing a crypto course and investing 100 USDC

Any questions left? Join the community chat @eightlends_chat, ask and discuss. Or simply reach out to Daniel.

🌟Important: changes to the Secondary Market

New rules already took effect — we’re sharing the full details below so as everyone has the same clear understanding.

🌟 What’s changing?

🌟 Bonus positions — these are bonuses given to investors for meeting certain conditions (including €30 for every €500 invested and voucher bonuses*) — can no longer be sold on the Secondary Market.

*These bonuses are considered as a separate investment.

💡 Example: you funded €500 into a project and received €30 as a bonus. The bonus portion stays with you but cannot be listed on the Secondary Market, while the €500 you invested can be sold.

This applies regardless of who holds them: the original bonus recipient or an investor who bought them on the Secondary Market afterward.

Bonus positions that investors already listed remain active and can still be sold.

🌟 Loyalty bonus is applied per holder, and each investor earns with their own loyalty rate.

• You invest => your loyalty % applies
• You list for sale => investment keeps working
• You sell => you get dividends until sale (with your loyalty %)
• Buyer gets it => their loyalty % applies from then on

🌟 Regular investments can now be listed for sale only after 14 days from when the project reaches Funded status.

🌟 The rule that after purchasing an investment on the Secondary Market, you cannot relist it for 30 days remains unchanged.

A quick reminder: a 2.5% seller fee applies only when the sale is completed. If the listing isn't purchased within 14 days, it's automatically removed and no fee is charged. Buyers pay no fees.

🌟 So what happens to bonus positions?

Your bonus funds are not blocked forever. They continue working according to the project schedule, reach the final payout like any regular investment, and become withdrawable afterward just like any other funds.

🌟 Even with this change, the Secondary Market on Maclear remains one of the fastest secondary markets available (median time to sell a lot — around 3 hours), and the 14-day waiting period for new investments is significantly shorter than on major P2P lending platforms.

🌟 Full info on how to use the Secondary Market

🌟 Active bonuses on Maclear

If you have any questions, feel free to reach out — we'll walk you through the changes.

🌟 Is there room for abstract expectations in investing?

Yes and no.

For some asset classes, expectations that aren’t tied to specific values are completely normal, like crypto exchanges. And for some investors, high-risk opportunities are a deliberate choice.

Still, most investors weigh risks against potential returns and tend to choose more predictable assets.

By choosing P2P lending with Maclear, you know exactly what to expect:

🌟 Where your money goes: supporting SMEs across Europe and beyond

🌟 What returns to anticipate: fixed returns throughout the investment period

🌟 How flexible your investment is: early exit via the Secondary Market

🌟 What protects your funds: vetted projects, collateral-backed loans, a Provision Fund, and Swiss-grade standards

🌟 In our new YouTube video, we talk about real economic activity driven by crowdlending, and the social impact investors help create. Topics that shape today’s investment landscape.

🌟 What makes you choose P2P lending?

🌟 We’ve broken down the key strategies to help you get the most out of the Secondary Market

This is our most practical, hands-on guide to navigating Secondary Market opportunities on Maclear.

🌟 We start with how the feature works and build from there — covering:

• the broader European context
• sharing Maclear’s latest performance data
• breaking down the strategies our investors are already using.

We also highlight why the Secondary Market doesn’t compete with the Primary Market, and how to use both within a single strategy.

🌟 In May alone, Secondary Market volume exceeded €2.7M on the Maclear platform, with the average position selling in just 3 hours.

If you’re looking to increase your returns and make compounding work efficiently, this guide is worth your time.

READ IN FULL

🌟 What if the best investment strategy wasn’t about moving faster, but about staying still?

Woody Tasch, the founder of the Slow Money movement, brought this idea into finance.

🌟 His core argument is that fast money disconnects investors from where their capital goes. That disconnect reduces awareness and undermines long-term wealth building.

Research proves it. Studies by Morningstar, DALBAR, and Friesen & Sapp consistently show that a “set-and-forget” approach tends to outperform attempts to “time” the market. This happens because most investors misjudge entry and exit points, often acting on emotions, market pressure, and overly optimistic expectations.

🌟 In our latest article, we break down what the Slow Money approach means, where it comes from, and how it stands in contrast to FOMO-driven investing. We also explore how P2P lending fits into this framework.

Read it in full

Play the Maclear World Cup 🏆

Your chance to turn predictions into rewards.

We’ve designed this campaign in two parallel tracks, so you can maximize both your reach and your returns.

🌟 First, bring your creativity into the playoffs.

Share your match predictions in a creative post on X or LinkedIn, include the flag of your chosen team, tag Maclear, and use #MaclearWorldCup. Send your post link along with performance stats to our support team before the matches begin.

If your prediction is correct, you compete for the top spot based on total engagement — reactions, comments, and reposts.

🌟 Prizes:

Quarter-finals: 4 winners × €250
Send your predictions by July 8. Winners will be announced on July 11.

Semi-finals: 2 winners × €500
Send your predictions from July 9 to July 13. Winners will be announced on July 15.

Final: 1 winner × €1,000
Send your predictions from July 14 to July 18. Winners will be announced on July 19.

🌟 Second, make daily predictions directly on the platform and boost your returns.

Each correct prediction moves you closer to bonuses, vouchers, and exclusive investment opportunities.

🌟 What you unlock:

1 correct prediction: 1% voucher
2 correct predictions: 1% voucher
3 correct predictions: 2% voucher
5 correct predictions: €100 voucher
10 correct predictions: access to a closed high-yield project

You’ll also receive €10 for your first participation.

Predictions open daily at 00:00 on match days, and your results accumulate throughout the campaign. To join, make sure your account is fully verified (KYC + PoA) and you’ve made at least one deposit.

Bringing the community together this World Cup. Be part of it 🌟