The short answer
- Maclear scores 4.6 on Trustpilot from 971 reviews; Capitalia scores 3.6 from 7, 1 points lower.
- On our own five-criteria score Capitalia leads, 79.8% against 65%, almost entirely because of licensing.
- Target return: Maclear 14.5-14.9%, Capitalia about 10.5%. Minimum: EUR 50 against EUR 200.
- Capitalia suits licensed, audited SME lending. Maclear suits SME lending at a higher rate from EUR 50.
Maclear vs Capitalia: the numbers
| Maclear | Capitalia | |
|---|---|---|
| Trustpilot score | 4.6 / 5 | 3.6 / 5 |
| Trustpilot reviews | 971 | 7 |
| 5-star share | 77% | 71% |
| 1-star share | 4% | 14% |
| Our score (rank of 19) | 65% (#10) | 79.8% (#2) |
| Target return | 14.5-14.9% | about 10.5% |
| Minimum investment | EUR 50 | EUR 200 |
| Supervision | Swiss SRO (PolyReg), anti-money-laundering only | ECSP, Latvijas Banka |
| Compensation scheme | None | None (InvestEU EIF guarantee of EUR 15M on part of the book) |
| Buyback | No | No |
| Secondary market | Yes | Yes |
| Loan types | SME loans, real estate, factoring | SME, factoring, venture debt |
| Headquarters | Wallisellen, Switzerland | Riga, Latvia |
| Founded | 2022 | 2007 |
Trustpilot figures recorded 24 Sep 2026. Our score weights investor protection 30%, execution record 25%, return honesty 20%, transparency 15%, liquidity 10% (method).
Where Maclear is stronger
- A higher target return: 14.5-14.9% against about 10.5%.
- A lower minimum: EUR 50 against EUR 200.
- A far larger body of investor feedback: 971 Trustpilot reviews against 7.
Where Capitalia is stronger
- An ECSP licence and an InvestEU guarantee from the European Investment Fund worth EUR 15M.
- Audited, conservative Baltic SME lending, second in our ranking of 19.
- Supervision: ECSP, Latvijas Banka. Maclear has Swiss self-regulation only, no EU licence and a CNMV warning (May 2026).
What Maclear investors say
Two of the 38 Maclear reviews we checked by hand. For Capitalia's reviews, see its Trustpilot page.
Already 1.5 years investing in Maclear with excellent results. Interest is received monthly and all projects closed and reimbursed in due time. I am increasing my...
I have been investing in Maclear since January 2025 and I have received my first refunds on schedule. Everything has worked as promised. Monthly payments paid regularly...
Maclear or Capitalia?
It depends on what you want. Capitalia is stronger on an ecsp licence and an investeu guarantee from the european investment fund worth eur 15m. Maclear is stronger on a higher target return: 14.5-14.9% against about 10.5%. On our own five-criteria score Capitalia leads, 79.8% against 65%, almost entirely because of licensing. Many investors hold both, with the smaller share in whichever feels riskier to them.
Maclear scores 4.6 on Trustpilot from 971 reviews; Capitalia scores 3.6 from 7, 1 points lower. One-star reviews make up 4% of Maclear's total and 14% of Capitalia's. Maclear invites its customers to review it; read the Maclear reviews we checked by hand.
No. Capitalia: ECSP, Latvijas Banka. Maclear is a member of a Swiss self-regulatory organisation for anti-money-laundering rules, holds no EU crowdfunding licence and was named in a CNMV warning in May 2026.
Capital at risk on both platforms. Neither a licence nor a buyback protects you from every loss, and past payments do not guarantee future ones.