Maclear AutoInvest Feature : A Step by Step Guide

How It Works

For the AutoInvest feature to work, Maclear must have enabled this option for the targeted project, and the investor must have created their investment strategy before the project goes live (if your strategy is created after the project is listed, you will not be included in the queue).

If both conditions are met, the investor is included in the project’s automatic queue. In that case, AutoInvest:

• Checks all active investor strategies,
• Builds a queue of eligible investors,
• Allocates investment amounts.

Each strategy can only make one investment per project, so a second investment through the same strategy is not possible. However, if the investor has a second strategy whose criteria also match the project, that strategy will invest as well.

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There is no limit to the number of projects a given strategy can invest in. A strategy will invest in any project matching its parameters, as long as the investor has sufficient funds and the strategy is active. However, activating a strategy does not guarantee participation in a given project.

An investor can create up to 10 strategies and have several active at the same time. However, make sure that the parameters do not overlap (country, project type, interest rate, etc.). It is best to start with a limited number of strategies and add them one by one.

Conversely, even if an active strategy has parameters that seemed to match, the investment may not go through. Several reasons may explain this: Maclear did not enable the AutoInvest option on that project, the project was funded before your position in the queue, or one of your criteria did not match.

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Create Your Strategies

Here’s how to set up your AutoInvest strategy on Maclear:

Step 1: Open AutoInvest

The AutoInvest feature is located at the bottom of the left sidebar. When you click on it, a message indicates that no strategy is currently active. To get started, simply click the orange “Create a strategy” button, which opens a window on the right side of the screen.

Step 2: Activate the strategy

At the top of the form, each investor must first decide whether to activate the strategy being created (enabled by default). It is better to disable the strategy during the creation process and activate it once you have confirmed that the parameters are set according to your expectations.

Step 3: Name the strategy

The first thing to do is to give your strategy a clear and unique name to make it easily identifiable. For each strategy, the investor must set three mandatory parameters that will define the AutoInvest conditions for Maclear projects

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Step 4: Set up the strategy

Investment amount (€) : minimum and maximum amounts in euros to invest in a single project. The minimum amount cannot be less than 50 €. For example, with a range of 100 – 500, AutoInvest will allocate any amount between 100 € and 500 € to each matching project.

Interest rate (from %) : this is the minimum return you want to earn on your invested capital. By entering 14, AutoInvest will only invest in projects offering at least 14% in annualized return. There is no option to set a maximum rate.

Loan term (in months) : based on their time horizon, the investor sets the minimum and maximum duration they wish to invest for. All Maclear projects last between 9 and 16 months, and the vast majority are set at 12 months.

Step 5: Refine the strategy

Risk level : this is the credit risk rating assigned by Maclear, ranging from D (default) to AAA (exceptional). By default, AutoInvest is set to all risk profiles. Investors can select one or more categories based on their risk appetite.

Country : by default, all countries are selected, but investors have the option to invest only in projects from specific countries. Currently, Maclear features borrowers from numerous European countries, the United Arab Emirates and the African region.

Project types : these are the types of business activities the strategy can invest in. Maclear offers projects across various sectors: Manufacture, Production, Wholesale, Retail, Services, Logistics, Transportation, Construction, Agriculture and Loan Originator.

Step 6: Optimize the strategy

Investors can enable the Advanced Settings to further refine their strategy (enabling them disables the “Risk level” field).

Maximum debt ratio (DE) : this is the ratio between borrowed funds and equity (DE = Total liabilities ÷ Equity). The lower the ratio, the more financially stable the company is. The default value is set at 0.2 and the selection range goes up to 4.0.

Loan-to-Value (LTV) : this is the ratio between the loan amount and the collateral value (LTV = Loan amount ÷ Collateral value). The lower the LTV, the better the company covers its debt with collateral. The default value is set at 40% and the selection range goes up to 200%.

Credit history : it reflects the payment history and reliability of the borrowing company. Maclear uses its own proprietary rating calculated out of 10. The selection range goes from 6 to 10 points. By default, all ratings are selected.

Step 7: Save

Once the form is completed, simply click “Save” to finalize the strategy. If auto-activation was checked at Step 2, the strategy becomes immediately active. Investors can also deactivate or delete their strategies at any time.

When one or more projects have been selected by the strategy, statistics appear: the total amount invested with that strategy across all projects, the total number of projects selected through that strategy, and the average annual percentage rate (APR).

Moreover, just like on the primary market, investors receive an investment confirmation by email. Also note that investments made through AutoInvest are identifiable in the “My Investments” section thanks to the “Auto” label.

Opinion : Maclear AutoInvest

AutoInvest allows you to catch projects such as Loan Originators and Consumer Loans, often offered at returns above 15%. They usually go very fast and are impossible to get if you need to transfer your funds beforehand.

I had never used it, simply because I had never given it a try. But after repeatedly missing investment opportunities, I ended up allocating some funds (usually a multiple of 500 €) that allow me to invest even if I don’t receive Maclear’s email notification.