Maclear Investor Update: December Highlights

December was a month of continued growth and active engagement across our investor community. This report highlights key metrics, trends, and insights from the month, providing a clear snapshot of performance and opportunities on Maclear.

The analysis is made by the Maclear team.

Total Track Record

A snapshot of our platform’s long-term performance:

• Total funds invested (all time): €63,709,634
• Total investors (all time): 32,704
• Total projects financed: 1,002

Total investors in December

Number of investors over the month: 6,598

6,598 investors engaged with the platform this month, reflecting strong community growth and continued interest in our investment opportunities.

Top countries by investor inflow over the month

• Spain — 23.95%
• France — 22.85%
• Portugal — 21.96%
• Germany — 7.98%
• Rest of countries — 23.25%

Spain, France, and Portugal lead investor engagement this month, contributing nearly 70% of new inflows, highlighting strong regional interest and platform reach.

Deposits in December

Total deposits over the month: €5,374,478

Investors added €5.37M in deposits during December, with France, Spain, and Portugal driving the majority, reflecting continued trust and liquidity growth.

Top countries by deposit amount

• France — €1,561,372 (29.05%)
• Spain— €1,488,874 (27.7%)
• Portugal — €861,267 (16.03%)
• Netherlands — €298,480 (5.55%)
• Rest of countries — €1,164,486 (21.67%)

France contributed the highest deposit volume (€1.56M), closely followed by Spain and Portugal, showing a concentrated yet diversified investor base.

Invested in December

Total invested in projects over the month: €6,901,718

€6.9M was allocated across projects this month, demonstrating active capital deployment and alignment with investor interests.

Top funded projects in December

Top 5 projects by funded amount:

• CRYPTON — €2,900,282 (42%)
• Loan Originator — €1,299,982 (18.8%)
• Datra — €800,059 (11.6%)
• Petrolmarca — €650,835 (9.4%)
• SIMAO-RT EOOD — €500,097 (7.2%)

CRYPTON, Loan Originator, and Datra led December’s funding, together accounting for over half of the month’s investments, reflecting strong project demand and market confidence.

Top industries by funded amount

Top 5 industries:

• Services — €3,951,581 (57.3%)
• Loan Originator — €1,299,982 (18.8%)
• Construction/Services — €800,059 (11.6%)
• Agriculture — €700,142 (10.1%)
• Wholesale & services — €99,975 (1.4%)
• Retail — €49,979

Services and Loan Originators dominated funding in December, illustrating sector preferences and strategic investment diversification.

Principal and interest repaid in December

Total amount paid out (principal + interest): €1,468,113.16

Investors received principal: 2,083

Projects repaid principal: 14

Investors received €1.47M in repayments (principal + interest), with 2,083 investors benefitting from returns, underscoring reliable cash flow and project performance.

List of projects repaid principal + interest

Total number of projects: 14

Top 3 projects by amount repaid:

• JS Production OÜ (Stage 8) — €147644.47
• Agro Group-1 Ltd (Stage 6) — €118452.31
• Agro Group-1 Ltd (Stage 5) — €117825.43

14 projects completed principal repayments this month, with JS Production OÜ and Agro Group-1 Ltd leading, showcasing the platform’s commitment to timely returns.

Key Takeaways — December 2025

1. Strong capital growth: €5.37M in deposits and €6.9M invested this month show active investor engagement and efficient capital deployment.
2. Growing investor community: 6,598 investors engaged in December, bringing the total investor base to 32,704, reflecting continued trust and platform adoption.
3. Regional investor strength: Spain, France, and Portugal remain our top contributors, accounting for nearly 70% of deposits and inflows.
4. Top projects attracting interest: CRYPTON and Loan Originator received the largest funding, highlighting investor confidence in high-performing opportunities.
5. Sector focus: Services and Loan Originator projects led in funded amounts, reflecting continued demand in key industries.
6. Reliable repayments: €1.47M in principal and interest repaid across 14 projects demonstrates consistent cash flow and project execution.
7. Diversification and scale: With 1,002 projects financed overall and 32,704 investors onboard, the platform continues to balance broad investor participation with diverse project opportunities.