The short answer
- Maclear scores 4.6 on Trustpilot from 971 reviews; Nectaro scores 3.3 from 35, 1.3 points lower.
- On our own five-criteria score Nectaro leads, 75.2% against 65%, almost entirely because of licensing.
- Target return: Maclear 14.5-14.9%, Nectaro about 14.9% (realised 2025). Minimum: EUR 50 against EUR 10.
- Nectaro suits a licensed high-yield position and a buyback. Maclear suits high yield spread across many business borrowers.
Maclear vs Nectaro: the numbers
| Maclear | Nectaro | |
|---|---|---|
| Trustpilot score | 4.6 / 5 | 3.3 / 5 |
| Trustpilot reviews | 971 | 35 |
| 5-star share | 77% | 51% |
| 1-star share | 4% | 26% |
| Our score (rank of 19) | 65% (#10) | 75.2% (#4) |
| Target return | 14.5-14.9% | about 14.9% (realised 2025) |
| Minimum investment | EUR 50 | EUR 10 |
| Supervision | Swiss SRO (PolyReg), anti-money-laundering only | MiFID II, Latvijas Banka |
| Compensation scheme | None | Up to EUR 20,000 for claims against the firm |
| Buyback | No | Yes |
| Secondary market | Yes | No |
| Loan types | SME loans, real estate, factoring | Consumer, business |
| Headquarters | Wallisellen, Switzerland | Riga, Latvia |
| Founded | 2022 | 2016 |
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
- Borrowers from many companies; every Nectaro loan comes from the Dyninno group.
- A secondary market, which Nectaro does not have.
Where Nectaro is stronger
- A MiFID II licence and an investor scheme of up to EUR 20,000 for claims against the firm.
- A buyback and a EUR 10 minimum, with a realised 2025 return near 14.9%.
- Supervision: MiFID II, 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 Nectaro's reviews, see its Trustpilot page.
Maclear has done a good job of always maintaining few projects in the main market for investment, and during my 18 months of experience with this platform, all the...
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 Nectaro?
It depends on what you want. Nectaro is stronger on a mifid ii licence and an investor scheme of up to eur 20,000 for claims against the firm. Maclear is stronger on borrowers from many companies; every Nectaro loan comes from the Dyninno group. On our own five-criteria score Nectaro leads, 75.2% 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; Nectaro scores 3.3 from 35, 1.3 points lower. One-star reviews make up 4% of Maclear's total and 26% of Nectaro's. Maclear invites its customers to review it; read the Maclear reviews we checked by hand.
No. Nectaro: MiFID II, 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.