Maclear vs the rest of European P2P.

Mintos is the largest P2P marketplace in the EU and holds an investment-firm licence. Maclear is younger and smaller, lends directly to businesses and pays a noticeably higher rate.

Both platforms lend to small and mid-sized businesses. Capitalia does it under an EU licence at a lower rate; Maclear under Swiss self-regulation at a higher one.

InRento and Maclear share the same Trustpilot score, 4.6, but little else. InRento is a licensed buy-to-let platform with long lock-ups; Maclear funds business loans of around a year.

Nectaro is the rare licensed platform that pays close to Maclear's rate. The difference is where the loans come from: Nectaro's all come from one group, Maclear's from many businesses.

Indemo buys discounted Spanish mortgage debt and pays out when a deal completes. Maclear pays interest every month. They solve different problems.

Profitus has funded EUR 273M of loans under an EU licence without a reported capital loss. Maclear is younger and pays more.

Crowdpear finances Lithuanian property development under an EU licence. Maclear finances businesses across several countries at a slightly higher rate.

Twino has a licence and a long lending history; Maclear has the better investor feedback and the higher rate.

PeerBerry and Maclear sit next to each other in our ranking, one place apart. PeerBerry offers short consumer loans with a buyback; Maclear offers business loans with collateral and a higher rate.

Both platforms advertise mid-teens returns. Lendermarket has an EU licence but nearly all its loans come from one lender; Maclear spreads its lending across many businesses.

Robocash is a fully automated platform for short consumer loans from its own lending group. Maclear lends to businesses at a higher rate and ranks four places higher in our table.

EstateGuru was once the flagship of European property lending. Today around 60 percent of its portfolio is in recovery, and its Trustpilot score reflects that.