The short answer
- Maclear scores 4.6 on Trustpilot from 971 reviews; EstateGuru scores 1.6 from 1,591, 3 points lower.
- On our own five-criteria score Maclear leads, 65% against 47.9%.
- Target return: Maclear 14.5-14.9%, EstateGuru about 10.4% (advertised). Minimum: EUR 50 against EUR 50.
- EstateGuru suits investors already holding EstateGuru loans in recovery. Maclear suits new money looking for regular monthly interest.
Maclear vs EstateGuru: the numbers
| Maclear | EstateGuru | |
|---|---|---|
| Trustpilot score | 4.6 / 5 | 1.6 / 5 |
| Trustpilot reviews | 971 | 1,591 |
| 5-star share | 77% | 27% |
| 1-star share | 4% | 58% |
| Our score (rank of 19) | 65% (#10) | 47.9% (#15) |
| Target return | 14.5-14.9% | about 10.4% (advertised) |
| Minimum investment | EUR 50 | EUR 50 |
| Supervision | Swiss SRO (PolyReg), anti-money-laundering only | ECSP, Estonia |
| Compensation scheme | None | None |
| Buyback | No | No |
| Secondary market | Yes | Yes |
| Loan types | SME loans, real estate, factoring | Real estate, business |
| Headquarters | Wallisellen, Switzerland | Tallinn, Estonia |
| Founded | 2022 | 2013 |
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 far better execution record so far: one default, covered in full, against a book that is mostly in recovery.
- Trustpilot 4.6 against 1.6 from 1,591 reviews.
- A higher target return.
Where EstateGuru is stronger
- An ECSP licence and good disclosure.
- Twelve years of property lending and a secondary market.
- Supervision: ECSP, Estonia. 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 EstateGuru's reviews, see its Trustpilot page.
I've been invested in Maclear AG since June 2025 and I have nothing but good... no skip that... "AMAZING" experience with Maclear since I've found them in May 2025 and...
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 EstateGuru?
It depends on what you want. EstateGuru is stronger on an ecsp licence and good disclosure. Maclear is stronger on a far better execution record so far: one default, covered in full, against a book that is mostly in recovery. On our own five-criteria score Maclear leads, 65% against 47.9%. Many investors hold both, with the smaller share in whichever feels riskier to them.
Maclear scores 4.6 on Trustpilot from 971 reviews; EstateGuru scores 1.6 from 1,591, 3 points lower. One-star reviews make up 4% of Maclear's total and 58% of EstateGuru's. Maclear invites its customers to review it; read the Maclear reviews we checked by hand.
No. EstateGuru: ECSP, Estonia. 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.