How This Site Makes Money

This site is run by an affiliate partner of Maclear. When a reader opens an account through a Maclear link on this site, Maclear pays us a commission. That commission is the main way this site makes money.

8lends is a sponsored placement. It pays to appear outside the scored comparison and carries a Sponsored label every time it appears. 8lends is not scored because insufficient verifiable track-record data is available to apply the published rating method. Every mention of 8lends on this site includes the Sponsored label.

No other platform pays this site. The eighteen platforms scored and ranked on the comparison page are there because they meet the inclusion criteria, not because they paid to be there. None of those eighteen platforms has an outbound affiliate link on this site. When we link to Mintos, InRento, Nectaro or any of the fifteen others, the link goes to our own review page, not to the platform itself.

What the commission covers

Maclear pays a flat commission per funded account. The amount does not vary with how much the reader deposits or how long they stay. The commission is paid once, after the account is funded above a minimum threshold. We do not earn ongoing management fees, performance fees or commissions on secondary transactions.

The Maclear commission covers the cost of researching the eighteen other platforms, writing the comparison pages, maintaining the rating method and running the site. It does not cover Maclear's own operating costs or loan origination. Maclear is a separate legal entity with its own capital, its own Swiss SRO registration and its own balance sheet. This site does not hold client money and is not a platform, bank or adviser.

What the commission does not change

The rating method is published on the How We Rate page. Five criteria, five fixed weights, scored before the commercial relationship began. Investor protection 30%, execution record 25%, return honesty 20%, structural transparency 15%, liquidity and exit 10%. Those weights do not change because Maclear pays a commission.

Maclear scores 65% and ranks tenth of nineteen platforms. The commission does not change that score. The score is reviewed monthly as new data arrives, but the method stays the same and the weights stay the same. Maclear is not presented as the top-scoring platform on this site because Maclear is not the top-scoring platform by the published method.

The Swiss SRO registration is AML supervision only, with no compensation fund. That fact appears on every page where Maclear's supervision is mentioned, including the Maclear review page. The commission does not change what the Swiss SRO covers or what it does not cover.

What you should do with that information

Treat our Maclear coverage as informed advocacy. We know the platform in detail because we have a commercial relationship with it. We write about its strengths and its weaknesses because a one-sided review is not worth reading. We disclose the relationship at the top of every page because transparency is the deal.

Check the scored comparison for the rest. The eighteen platforms ranked there are scored by the same method, with no commercial relationship and no outbound affiliate links. If Mintos or InRento or Capitalia suits your portfolio better than Maclear, the comparison will show it. The comparison is the check on the advocacy.

Read the editorial policy for the rules we follow when writing about platforms. Read the rating method for the weights and the data sources. Read the risk warning before you put money into any P2P platform, including Maclear.

Changes to this policy

If we add another affiliate relationship, we will update this page and disclose the relationship on every page where that platform appears. If we change the rating method, we will publish the change and re-score all nineteen platforms by the new method. If we add or remove a platform from the comparison, we will explain why on the comparison page.

This page was last updated in January 2026. The commercial relationship with Maclear began in 2022. The 8lends sponsorship began in 2025.