Invest in Real Businesses Worldwide

Blockchain-Powered
Crowdlending Platform

Each Investment is Backed by Real Company Assets
Full Access to Each Borrower's Track Record
Earn High-Yield Returns from 18% Annually
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€123M+
Total Funded
41.5K+
Investors
€35.7M+
Total Repaid
1/0
Default / Late Loans
High-Yield Returns
Earn annual returns of 18% and up by investing directly in businesses. We cut out unnecessary fees and middlemen, while our platform is built to safeguard your capital.
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Security Backed by Real Business Assets
Every loan is secured by real collateral, such as equipment, inventory, or property, minimizing risk and increasing confidence

4 Years of Proven Expertise

We started as Maclear AG (Switzerland), a Swiss investment platform.
Now, we are advancing our ecosystem by harnessing the power of blockchain, guided by our core values of radical transparency and strict control.

Projects Overview

At 8lends you will find small and medium-sized businesses raising capital for growth, expansion, and modernization
Since 2006, Bulgaria

Datra Ltd

Supply, installation and maintenance of agricultural and food equipment
Loan Amount
€950,000
Term
12 months
Yield (APR)
21%
Reason of Funding
Due Diligence
Secured three contracts worth €5.45M and needs financing to purchase equipment for silage farm construction and processing lines. The loan helps them execute projects quickly and maintain strong profitability.
We verified Datra’s financial history, including €3M+ in fully repaid bank loans, and confirmed all signed contracts. Maclear AG audited their cash flow, collateral, and LTV, ensuring strong repayment ability. The equipment offered as collateral holds stable market value and is easy to liquidate.
Since 2006, Bulgaria

JINTEKI

Processes, freezes and dries fruits and vegetables in a modern, fully equipped organic-focused production facility.
Loan Amount
€900,000
Term
14 months
Yield (APR)
19%
Reason of Funding
Due Diligence
The company is expanding production and needs financing for new freezing equipment. This will help meet growing demand from retail and private-label clients and improve overall capacity.
We confirmed the company’s recovery, reviewed active contracts, and validated operations under new ownership. Collateral includes freezing equipment and existing production assets with clear liquidation value, all verified by Maclear AG.
Since 2006, Bulgaria

Wholesale Electronics

Supplies consumer electronics to major retailers and telecoms like Technomarket and Magnum-D
Loan Amount
€600,000
Term
16 months
Yield (APR)
22%
Reason of Funding
Due Diligence
The company is delivering on €14M+ contracts for 2025 and needs working capital for supplier prepayments. Customers pay in 90–120 days, so the loan covers this temporary liquidity gap.
We confirmed stable financial performance and verified all major contracts and collateral. Maclear AG reviewed their risk metrics (Score A, D/E 0.38, LTV 10%) and repayment history. The loan is backed by company assets and secured revenue streams.

How We Protect Investments

BuyBack — 100% Principal Guarantee

Some projects on 8lends are marked with the BuyB badge. If a borrower delays payment for more than 60 days, our partner automatically buys back your loan and returns 100% of your principal. All interest earned before the delay remains yours. This is the highest level of protection on the platform.
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Borrower Due Diligence

Every borrower goes through multi-layer due diligence performed by Maclear AG, based on 40+ internal criteria: financial stability, credit history, collateral liquidity, risk scoring, business model, documentation quality, and more
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Real World Collateral

Every project is backed by real business assets — equipment, machinery, inventory, or property with verifiable market value. All collateral is legally registered through Maclear AG.  If a borrower faces financial difficulties, Maclear AG assesses the assets, initiates recovery and sale, and distributes the recovered funds proportionally to all investors.
Vehicles
Buildings
Equipment
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All Projects

Bonuses

We offer extended bonuses as part of our strategy to reward early users
Sign Up And Claim $30 Bonus

First Investment Bonus

Receive a cash bonus for registering and making your first investment.

Referral Bonus

Share your referral link and earn 6% of your friend’s investments for 45 days.

Platform Trust & Transparency

Smart Contract Audits

The terms for every loan are locked into an immutable smart contract. This is crucial for you as an investor: it means the agreement (including interest rates and repayment schedules) cannot be altered or tampered with by anyone, not even by us at 8lends. To guarantee this security, our smart contracts are fully audited and certified by industry-leading firms, Certik and Cyberscope.
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Simple, Secure Payments

8lends uses a regulated digital currency as the main payment method for investments, fully compliant with MiCA and widely recognized across the EU as a secure instrument for investors.
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Transparency via Base Blockchain + Repayment Schedule

8lends runs on Base, built by Coinbase.
 All transactions — investments, payouts, interest — are publicly visible. Each project includes a Payment History section, where you can: see every transaction, open it in the blockchain explorer, view the repayment schedule, verify full transparency of all cash flows.
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Three steps to start investing on 8lends

Invest in real businesses and receive stable monthly income
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They Talk About Us

We are featured in leading financial media
Os investidores estão cada vez mais em busca de projetos nos quais possam entender claramente como os retornos são gerados e como o capital é protegido. O crowdlending para PMEs surgiu como um modelo que atende a essa demanda, oferecendo exposição à atividade econômica real em vez de mecânicas abstratas de tokens. A 8lends representa uma nova abordagem no espaço Web3. Ela traz a experiência da Maclear em empréstimos para PMEs para o universo on-chain. O que diferencia a 8lends é que cada empréstimo é garantido por colateral real — equipamentos, veículos, imóveis ou commodities. Isso agrega transparência e previsibilidade, ao mesmo tempo em que traz utilidade real para o mercado de criptomoedas.
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Enquanto o mercado de tokenização ainda está repleto de projetos teóricos, o crowdlending vem viabilizando empréstimos de risco compartilhado para muitas pessoas que antes não teriam acesso a eles por meio de instituições financeiras tradicionais. Isso é feito de forma que inúmeras pessoas possam participar de operações de crédito com risco reduzido. Algumas plataformas, como a 8lends, oferecem colateral que elimina completamente esse risco, e afirmam que ainda não registraram nenhum atraso ou inadimplência. As pessoas podem lucrar de forma expressiva com esses empréstimos sem pagar comissão, enquanto as empresas ganham o suporte necessário para decolar.
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À medida que os usuários passam a confiar cada vez mais em recomendações de outros usuários e avaliações da comunidade, a confiança está migrando das instituições para as pessoas. Plataformas de empréstimo peer-to-peer, como a 8lends, estão construindo ecossistemas em torno desse princípio — fomentando comunidades fortes e transparentes, nas quais a reputação coletiva reforça a confiabilidade da plataforma e impulsiona o crescimento a longo prazo.
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Ao ancorar os empréstimos DeFi em colateral real, vinculado a ativos do mundo físico, as plataformas conseguem reduzir drasticamente os riscos, mantendo a transparência e a eficiência da blockchain. Uma das plataformas que lidera essa mudança é a 8lends.
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As criptomoedas estão evoluindo de instrumentos especulativos de negociação para componentes de infraestrutura que reforçam a atividade financeira real. Em vez de serem projetados para volatilidade de curto prazo, os modelos modernos de token têm como foco emissões controladas, captura de valor via recompra (buyback), incentivos previsíveis e utilidade de marketing diretamente ligada ao desempenho do protocolo. Todos esses princípios formam a base de tokens sustentáveis como o 8LNDS, lançado pela plataforma de crowdlending P2P 8lends.
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Empréstimos garantidos por colateral que não cobram nenhuma comissão dos investidores, ao mesmo tempo em que apoiam projetos ambientais e impulsionam pequenas empresas. Eles oferecem incentivos para indicações e permitem que os credores compartilhem o risco com um grupo de outros co-investidores.
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Invest to Buy 6% of $8LNDS Instantly
Each investment unlocks instant access to $8LNDS
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Reviews

Invest in real businesses and receive stable monthly income
4.5
Based on
92
reviews
4.9
Based on
44
reviews
Pablo Diaz
Trustpilot
No começo eu comecei na plataforma da Maclear, mas acredito fortemente que o futuro das plataformas P2P está totalmente ligado à Web3, e a 8lends tem todo o potencial para se tornar uma das plataformas mais importantes do setor. Suporte rápido e confiável sempre que precisei.
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Lbt
Trustpilot
No geral, uma ótima experiência investindo com a 8lends. A descrição de cada projeto é bem completa, o suporte pelo Telegram é rápido e prestativo, e o pagamento dos juros é sempre em dia.
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Rudy
Trustpilot
Uso a 8lends há alguns meses, e até agora a plataforma tem cumprido o que promete: as assinaturas são simples e totalmente on-chain, as distribuições são regulares e sem surpresas, e a equipe de suporte é bem atenciosa.
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What is 8lends and how does the platform work?

8lends is a crowdlending platform where investors fund real small and medium businesses.

You choose a project → invest → receive monthly interest → claim your principal at the end of the term.

What risks should I be aware of?

All investments carry risk: payment delays, business difficulties, or market changes. We reduce these risks through due diligence, real collateral, BuyBack protection, and full blockchain transparency.

Learn more
What does the BuyB badge mean and how does BuyBack work?

The BuyB badge means 100% principal protection.
If a borrower delays payment for more than 60 days:

- Our BuyBack partner repurchases your loan
- You receive 100% of your principal
- All interest earned before the delay stays with you

This is the highest level of protection on the platform.

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How do deposits and withdrawals work?

You top up your account and invest → funds go into a smart contract → interest and principal are returned straight to your account.

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How are borrowers checked?

Every borrower goes through multi-layer due diligence by Maclear AG based on 40+ internal criteria:

financial stability, credit history, collateral liquidity, risk scoring, business model, documentation quality, and more.

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What returns can I expect?

Project yields on 8lends range from 18% to 25% APR, depending on project duration and risk profile.

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How is the principal returned?

At the end of the loan term, you claim your principal + the final interest payout in a single transaction.

Example: you invest in January → 6-month term → in June you claim both interest and principal at once.

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What is the minimum amount I can invest?

The minimum investment amount is $100.

Can I invest if I am not from Europe?

Yes, users from most countries can invest.
Exceptions include the USA, Russia, and several restricted jurisdictions.

What fees does the platform charge?

The only fee you pay is the gas fee for blockchain transactions. 8lends runs on Base network — you will need a small amount of ETH (Base) to perform transactions.

What happens if a borrower delays payment?

For the first 30–60 days, Maclear AG works with the company to resolve the issue.If the project has a BuyB badge:

- You get 100% of your principal back
- All interest earned before the delay stays with you

If there is no BuyB:

- Maclear AG begins collateral recovery
- Sale proceeds are distributed proportionally among investors

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Can I withdraw my investment early?

No, investments are locked until the end of the loan term.
However, our roadmap includes a secondary market, which will allow early exits. The feature is not available yet.

Why are returns so high (18–25%)?

Small and medium businesses in developing regions often cannot access fast, reliable, or affordable financing:

- banks are slow or unstable
- interest rates are much higher than in the EU
- local currencies are volatile
- strict bank requirements block many companies
- traditional financing includes high fees and costly intermediaries

Through 8lends, businesses reduce costs and get funding quickly — allowing them to offer higher yields to investors.
‍
At the same time, loans are backed by real business assets and controlled by Maclear AG.

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Do you have a Risk Scoring system? How is a company rated?

Yes. After full due diligence, each borrower receives a rating from AAA to D, reflecting their financial stability, risk profile, and collateral quality.

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