The short answer
- Maclear scores 4.6 on Trustpilot from 971 reviews; Indemo scores 4 from 234, 0.6 points lower.
- On our own five-criteria score Indemo leads, 70.9% against 65%, almost entirely because of licensing.
- Target return: Maclear 14.5-14.9%, Indemo 21-22% (realised). Minimum: EUR 50 against EUR 10.
- Indemo suits a specialty position you can leave until deals close. Maclear suits steady monthly income.
Maclear vs Indemo: the numbers
| Maclear | Indemo | |
|---|---|---|
| Trustpilot score | 4.6 / 5 | 4 / 5 |
| Trustpilot reviews | 971 | 234 |
| 5-star share | 77% | 59% |
| 1-star share | 4% | 12% |
| Our score (rank of 19) | 65% (#10) | 70.9% (#5) |
| Target return | 14.5-14.9% | 21-22% (realised) |
| Minimum investment | EUR 50 | EUR 10 |
| Supervision | Swiss SRO (PolyReg), anti-money-laundering only | MiFID II, Latvijas Banka (Nasdaq CSD custody) |
| Compensation scheme | None | Up to EUR 20,000 for claims against the firm |
| Buyback | No | No |
| Secondary market | Yes | No |
| Loan types | SME loans, real estate, factoring | Non-performing loans, mortgages |
| Headquarters | Wallisellen, Switzerland | Riga, Latvia |
| Founded | 2022 | 2022 |
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
- Predictable monthly interest, instead of lumpy payouts at the end of a deal.
- A longer track record of regular payments; Indemo's model is young.
Where Indemo is stronger
- A MiFID II licence with notes held at Nasdaq CSD.
- Realised returns around 21-22% across completed deals, from EUR 10.
- Supervision: MiFID II, Latvijas Banka (Nasdaq CSD custody). 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 Indemo's reviews, see its Trustpilot page.
Maclear is, without any doubt, one of the very best places to invest today. It is serious, responsible, predictable, even boring, as the very best investments should be...
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 Indemo?
It depends on what you want. Indemo is stronger on a mifid ii licence with notes held at nasdaq csd. Maclear is stronger on predictable monthly interest, instead of lumpy payouts at the end of a deal. On our own five-criteria score Indemo leads, 70.9% 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; Indemo scores 4 from 234, 0.6 points lower. One-star reviews make up 4% of Maclear's total and 12% of Indemo's. Maclear invites its customers to review it; read the Maclear reviews we checked by hand.
No. Indemo: MiFID II, Latvijas Banka (Nasdaq CSD custody). 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.