Explore the benefits of the Sharing Economy.
Connecting borrowers directly with lenders allows us to significantly reduce the spread of traditional banking. We provide fair and transparent conditions to everyone.
Lend your money to individuals who want to borrow. Receive payments from them every month.
Return is significantly higher than rates on bank deposit.
Only the most creditworthy borrowers are approved by Klear.
Your money will help people like you realize their projects.
There is a risk not to recover the whole amount of your capital.
Klear is not a bank, doesn’t collect deposits and your money is not guaranteed by the Bulgarian Deposit Insurance Fund or any other guarantee.
Build your portfolio of loans based on your risk appetite and expected return.
|
A
|
B
|
C
|
D
|
|
| Interest | 5.9% | 8.0% | 10.8% | 14.0% |
| Loss | 1.2% | 2.3% | 4.1% | 6.3% |
|
Return
For example, if you invest in loans of segment B: borrowers pay 8.0% yearly interest rate. Each year 2.3% of the borrowed amount is not paid, which leaves you a yearly net return before tax of 5.7%.
|
4.7% | 5.7% | 6.7% | 7.7% |
Average
return
Each borrower is thoroughly assessed. Depending on its probability of repayment, the borrower is allocated to a risk segment (A, B, C or D).
Expected net return for investors is higher for the riskiest segments because, in case of economic downturn, the return on these segments would be more negatively impacted.
Make wise fractional investments in several loans across different borrowers
Buy fractions of the loans
Invest small amounts in pieces of many loans.
Diversify your investment
Spread your money over many loans to reduce the risk of your investment.
Ensure your return
Well diversified investments ensure stable returns.
Klear will take all necessary actions to collect overdue amounts. They include:
Open account and explore the platform. To start with investing complete your registration and transfer funds to your Klear account.
Investments are in Bulgarian Levas (BGN). Klear issues loans to Bulgarian citizens in the domestic currency.
The Bulgarian Lev is pegged to the Euro since 2001 and its exchange rate (1.95583 BGN for 1 EUR) has not changed since.
We have many years of experience in the financial industry. We are standing with our names and faces behind what we do.