🌟 €14.5M returned to investors: breaking down the end-to-end cash flow cycle on Maclear

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We often get this question from newcomers in chat: how does the cash flow works behind the scenes?

Here's the full journey — from your investment to European businesses and back👇🏻

🌟 It all starts with borrower selection

Only borrowers who pass our multi-stage verification get listed on Maclear.

While a project is still a review, you’ll see it in the “Compliance Process” tab, so you can plan ahead.

🌟 You choose your project

Browse open projects and pick what fits your strategy.

Minimum investment: €50.

Your funds move to "Reserved" status — earmarked for the project, but not yet transferred.

🌟 Funds are transferred

Once the target is reached and the borrower meets all conditions, funds are transferred. This takes up to 10 working days.

Status changes from "Reserved" to "Invested." You receive your Claim Assignment Agreement and Repayment Schedule.

🌟 Interest starts

Calculations begin only after funds actually reach the borrower.

🌟 Repayments flow back

Interest is paid monthly throughout the loan term. As the borrower repays, funds land directly in your Maclear account.

Then you decide: reinvest or withdraw.

🌟 What if a project doesn't reach its target?

Your reserved funds are released back to your available balance. No lock-up. No penalties.

Find more details in our FAQ