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.

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

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

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.

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

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.

The minimum investment amount is $100.

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

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.

For the first 30–60 days, Maclear AG works with the company to resolve the issue. If the delay is not resolved, Maclear AG begins collateral recovery, and the sale proceeds are distributed proportionally among investors. All interest earned before the delay stays with you.

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.

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.
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At the same time, loans are backed by real business assets and controlled by Maclear AG.

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