🌟 We’ve rolled out Maclear’s Statistics dashboard

Great news! Now you can explore platform’s month-by-month growth from the very beginning.

What’s inside:

🌟 Total deposit growth

🌟 Investments made

🌟 Repayments received by investors

🌟 Geography of projects, investors, and industries

🌟 Number of projects & investors

Month by month, you can track Maclear’s evolution and see the real numbers behind the platform.

The dashboard is updated every month.

🌟 How to find it on the platform: main page => click “About” at the top => choose “Statistics”

CHECK IT OUT HERE

🌟 Just one million away from €60M

With this very headline, we’re celebrating a new milestone — €59M total funded on Maclear.

Thank you for staying with us along the way!

P. S. New projects & platform’s updates are coming really soon — stay tuned 🔜

Best regards,
The Maclear team

🌟 Earn more with Maclear: 3 ways to boost your returns

Maclear gives every investor three layers of rewards designed to amplify your earning potential: loyalty, referrals, and engagement.

🌟 Loyalty bonus

Strengthen your portfolio with long-term rewards.

Earn up to +3% annually added to your fixed returns on all future investments.

Your loyalty level grows with your total invested amount:

🌟 €5,000 => +1.5% (Beta)
🌟 €15,000 => +2% (Beta+)
🌟 €40,000 => +2.5% (Alpha)
🌟 €75,000 => +3% (Alpha+)

🌟 Maclear 3+3 referral program

Invite a friend and both of you receive 3% of every investment they make during the first 90 days after registration.

💡 Tip: if your referral invests €10,000, you both earn €300.

🌟 Investment reward

Boost every investment you make.

Invest from €500 to €5,000 in a single project and get €30 for every €500 invested.

💡 Tip: you can earn up to €300 per project.

🌟 EXTRA REWARDS 🌟

🌟 Welcome bonus on Maclear

Make your first investment of €50+ within 7 days after registering and get a €15 welcome reward.

🌟 Welcome bonus on 8lends

Pass KYC and invest a minimum of 100 USDC — you’ll be credited with 30 USDC.

Deposits & withdrawals: 0% fee.

Find more details here

🌟 Crucial milestone unlocked — €60 million funded!

One more million funded in just a week

That’s a remarkable achievement made possible by your continued trust and support.

Approaching the end of 2025, we’ve managed to help around a thousand of SMEs across Europe and beyond.

26,450 investors have already contributed to bridging the funding gap for businesses across the region. While Maclear has repaid over €12.6M to investors.

🌟 You can explore the latest data (as of November) and monthly progress on the Maclear Statistics Dashboard.

Thank you for being part of this journey — let’s keep shaping the future of P2P investing in Europe, side by side.

🇪🇺 Maclear’s forecast: SME financing in Europe in 2026

Why isn’t the credit gap closing?

As Europe moves toward 2026, one issue remains structural: access to credit for SMEs.

Key takeaways:

🌟 The SME bank-financing gap is nearing €400bn

🌟 73% of economists expect ECB rates to stay unchanged until at least mid-2026

🌟 Bank lending remains cautious due to regulation, risk models, and capital constraints

🌟 SMEs increasingly struggle with short-term and seasonal liquidity needs

While traditional banks stay selective, demand for external capital is rising. What covers this need most is alternative financing, including P2P lending, which offers faster, cash-flow-backed solutions tied to real economic activity.

💡 For investors, falling deposit rates and ongoing market volatility are accelerating the shift toward:

🌟 EUR-denominated instruments

🌟 Short-duration private credit, predictable

🌟 Real-economy yield.

🌟 Read the full analysis on Medium.

Follow Maclear on Medium for more data-driven insights into private credit and alternative investing.

🌟 European economic outlook 2026: what Mastercard is telling investors

In 2026, Europe’s economy will be shaped by three dominant forces:

1️⃣Tariff realignment reshaping trade routes and price dynamics.

2️⃣AI adoption boosting productivity, but unevenly.

3️⃣Fiscal expansion, led by Germany, offsetting tighter monetary conditions.

It’s not a single, unified growth story. It’s rather about greater unevenness and selectivity.

Let’s break it down ⬇️

🌟 Tafiffs as a tailwind in Europe

U.S. tariffs have redirected Chinese e-commerce toward Europe.

Impact:
• Lower import prices
• Disinflation in Europe
• More room for accommodative monetary policy

🌟 Eurozone: pretty stable

• GDP growth: 1.2% in 2026
• Inflation: 1.8%, below ECB target
• ECB policy: rates likely held near 2%

Lower inflation, easing financial conditions, and resilient labor markets continue to support domestic demand.

🌟 Fiscal policy is the main divider

Germany stands apart:
• €1 trillion in infrastructure and defense spending
• Growth rebounds from 0.3% to 1.2%
• Positive spillovers into Central and Eastern Europe

Elsewhere:
• Spain: ~2.1% growth
• France: ~1.0%, constrained by fiscal and political pressure
• Italy: mixed, reform-dependent path

🌟 Regional winners and laggards

Central & Eastern Europe:
• Growth engine of the continent
• Strong real wages, low unemployment
• Poland leads at 3.4% growth

United Kingdom:
• Growth slows to 0.9%
• High rates and fiscal tightening weigh on demand

Nordics & Switzerland:
• Resilient and accelerating
• Higher defense spending, easing policy
• Premium and luxury tourism rising in Denmark and Sweden

🌟 AI: the quiet separator

AI adoption is uneven and increasingly decisive.

• U.S. and Denmark lead
• Italy and Spain gaining momentum
• Productivity gains will concentrate, not spread evenly

Digital readiness is becoming a growth advantage.

🌟 Consumers and SMEs

• Consumers favor experiences and small indulgences
• Big-ticket purchases remain cautious
• SMEs face uneven conditions, with digitalized businesses adapting best

What’d you say? Share in the comments.

Source: Mastercard Economic Outlook 2026

🎄 Maclear Christmas GIVEAWAY

Turn returns into memories

Wrapping up the year on a high note, we want to remind you of something important: investing is a tool, not the destination.

We’re used to measuring life in numbers: income, expenses, percentages, assets. More. Better. Faster.

But the real goal is getting back to what truly matters: experiences, freedom, moments with loved ones, the feeling that life is happening now.

🌟 This Christmas giveaway is about dreams that are meant to come true. About turning “someday” into “this year.”

It’s time to turn your investment returns into memories.

🎁 Prizes:

🌟 Trip to Dubai with flights and hotel accommodation included

🌟 Football match tickets — winner can choose any, with a total value of up to €3,000

🌟 iPhone 17 Pro Max

🌟 10 prizes of €50 credited to your balance

🌟 How to take part:

• Invest €300 or more in one transaction
• Primary market only
• Investment period: Dec 17–Dec 30, 23:59 CET

🌟 Winners announced: December 31

Because returns should do more than grow your capital. Let’s celebrate this season together 🎉

Investor dashboard upgrade🔝

Thanks to your feedback and suggestions, we’ve updated the “My investments” dashboard on the platform.

Here’s what’s new:

🌟 Streamlined view

The table now has a clean header with all the essentials: Next payments, Loan period, Time to repayment, Status/ID, Repayment schedule/Sell.

Click on the calendar item to see the investment date details for each project.

🌟 Easier navigation

Projects are now easier to browse. Hover over a project to go directly to it, and see a tag with information about how the investment was made (e.g., AUTO).

🌟 Multiple views

Switch between table view and card view. On mobile, card view is the default, but you can switch to a table if you prefer.

🌟 Filtering and sorting

All filtering and sorting options remain, so you can quickly find the projects you need. Just click the icon on the right.

The Maclear team is committed to making your investment experience simpler, clearer, and more enjoyable. Thanks again for helping us improve! 🌟

🌟 What really keeps long-term investors on track?

Surprisingly, it’s not miracles, perfect moments, or constant difficult decisions.

🌟 It’s consistency.

When the process is repeatable, investing becomes part of your financial routine. Like a habit.

Over time, a habit-based approach works for you as routines compound. Also, it reduces emotionally driven mistakes by 30–50%, which is scientifically proven.

🌟 This idea lies in Maclear’s philosophy: we build the platform for investors who think long-term and value predictability over hype.

If you’d like to see more insights like this, we’re now active on Facebook. It’s a simple way to stay connected beyond Telegram.

Follow Maclear on Facebook.