private lendinginvestment platform
We list small and medium-sized businesses looking for funding. Each business is presented as a project and is backed by real collateral such as machinery, real estate, equipment, or vehicles.
How We Work
You lend money to a business and earn fixed returns, with legal and asset-backed protection on our side. Every project comes from a small or medium company and is secured by real assets: equipment, inventory, real estate, receivables.
We use Web3 infrastructure to make private investing simpler, more transparent, and more accessible, without banking bureaucracy or unnecessary intermediaries. Payments run on smart contracts on Base, so the terms of a loan cannot change after it is issued.
Before a project is listed, Maclear AG vets the borrower against more than 40 criteria and takes the collateral under its control. Fewer than one in ten applications makes it through — that work stays behind the scenes.
Our Journey
Maclear AG is where it all began, and today it partners with 8lends on collateral
2019. Where It All Started
Alexander Lang and Denis Ustyev identified a systemic problem: even profitable small and medium-sized businesses struggled to access financing.
Traditional banks were slow, overly formal, and focused on large corporations.
Their goal was to build a transparent investment platform with a clear legal framework.
2020. Maclear AG Acquired
The team acquired and transformed the Swiss company Maclear AG, previously focused on GRC software, into a regulated private lending business.
The first investment campaigns launched in 2023, starting in the Baltic region.
2024. Outgrowing the EU
Maclear AG had grown into a mature Swiss P2B lending platform, with its own risk assessment and collateral control systems, operating under Swiss law as a PolyReg SRO member.
Demand extended beyond the EU: investors elsewhere wanted access, and businesses outside the EU needed predictable financing.
Blockchain made this possible by simplifying cross-border investments and speeding up settlements.
2025. 8lends Goes Live
The team launched 8lends as a separate business, bringing the same approach to borrower checks, collateral, and investor protection used at Maclear to the blockchain and a global audience.
Maclear AG became 8lends' collateral partner, an independent party that vets borrowers and monitors collateral, not the owner or operator of the platform.
8lends officially launched on March 3, 2025.
What Drives Us
Mission
To build a reliable, transparent investment platform that connects investors with real businesses and lets them earn from real economic growth.
Vision
Private lending has proven itself and keeps growing. People are tired of banks as middlemen — the era of connecting directly is already here.
Value Proposition
8lends makes investing in businesses worldwide accessible with a small ticket: vetted projects, transparent protection, and clear returns.
Legal Structure & Regulation
Role of Maclear AG
Maclear AG (Switzerland) acts as Collateral Agent within the ecosystem.
Its responsibilities include auditing business projects, verifying borrowers, assessing and legally structuring collateral, and managing recovery and asset realization processes in the event of default. Maclear AG does not hold investor funds: they stay in non-custodial wallets and move through smart contracts.
Clear Separation of Responsibilities
CLEARCHAIN CORP operates the platform and is responsible for general operations; it is registered as a Money Services Business with FINTRAC (Canada). Maclear AG handles due diligence, collateral management, and investor protection outside the blockchain.
What We Built for You
RWA Collateral System
Investments are backed by real-world assets legally structured through an independent collateral agent.
Smart Contract Audits
Platform contracts are audited by independent firms — CertiK and Cyberscope reports are publicly available.
Full Transparency
All investments, repayments, and distributions are publicly verifiable on the Base network.
Do You Have Any Questions?
All questionsThe platform has been audited by CertiK and Cyberscope, and all transactions are publicly visible on the Base blockchain. Two companies with clear responsibilities stand behind the platform: CLEARCHAIN CORP operates the platform and is registered as a Money Services Business with FINTRAC (Canada), and Maclear AG conducts due diligence and monitors collateral. So the platform is well regulated, transparent and accountable
If the project has BuyBack, the partner buys the loan and returns 100% of the principal once it is overdue for 60 days or more. Without BuyBack, Maclear AG initiates the sale of the collateral, and the proceeds are distributed proportionally among investors. Since launch there have been no defaults
The platform is operated by CLEARCHAIN CORP, registered in Canada as a Money Services Business (MSB) and subject to mandatory AML/CFT compliance requirements under FINTRAC. Settlements are made in USD. The platform is not a CASP, so DAC8 requirements do not apply
Small and medium-sized businesses in developing regions do not have easy access to bank financing and are willing to pay higher rates than businesses in the EU or US
You can sell your position to another investor through the Secondary Market before the end of the loan term. With Fastlending there is no fixed term: the principal and accrued income can be withdrawn at any time
The minimum investment is 100 USD
Risk of non-payment by the business, risk of changes in the value of the collateral, risk of limited liquidity if there is no buyer on the Secondary Market, and technical risk associated with the smart contract
Investments from 100 to 500 USD are available without KYC. For amounts over 500 USD, full verification is required: an identity document and proof of address