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Passive Income Backed by
Real Estate

Alternative investing shouldn't be reserved for the wealthy. With Groundfloor, anyone can invest in short-term real estate loans that deliver steady returns without buying property or managing tenants.

It’s a simple, hands-off way to grow your money outside the stock market.

Start Investing

How Real Estate Debt Investing Works

Groundfloor lets you start investing with as little as $100.

You can choose from a variety of real estate-based investment products or opt for an automated, diversified portfolio. As borrowers repay their loans, you earn interest. When projects are completed, you can withdraw your funds or reinvest in new opportunities.

Fund Renovations

Invest in real estate products with low minimums.

Earn Interest

Grow your investments with interest.

Get Repaid

Repaid loans return money to you

Grow Your Portfolio with Groundfloor

Real estate investing used to be reserved for big banks and the wealthy. We've opened the door with three ways to grow your money:

Flywheel Portfolio

Our most popular option spreads your investment across hundreds of real estate loans automatically. Just $100 gets you started with instant diversification and weekly payouts.

  • check Recommended for new investors
  • check Chosen by 76% of Groundfloor users
  • check Perfect for busy professionals who want results without the homework
Explore Flywheel

*10-13.5% potential returns represent a range of interest rates on actual loan amounts based on all loans we have originated over the last 12 months as of May 2025, non-inclusive of potential losses or deferred payments.

Loans

Want to choose where your money goes? Our Loans let you hand-pick individual real estate projects. With our $10 minimum, Loans give you full control over where your money goes. You fund specific real estate renovations based on term length, location, and risk profile.

  • check Works for both beginners and seasoned investors
  • check Detailed borrower and property information
  • check Track progress with real-time updates
  • check Earn 9-15%* based on investment choices
Explore Loans

Groundfloor Notes

Notes are short-term investments with predictable returns and set repayment dates. With a $1,000 minimum, Notes offer fixed 30, 90, or 360-day terms. You choose the term that fits your strategy and receive consistent income with no market exposure.

  • check 5-7%* returns
  • check Terms ranging from 30 to 360 days
  • check Portfolio backed by diversified real estate loans

*Based on rates as of May 2025. Rates may be adjusted monthly, based on market conditions.

Explore Notes

Why Groundfloor Is Different

We’re not just another investing platform. Groundfloor stands apart from other real estate investment options in three important ways:

Invest in Properties
Without Owning

You earn through lending and not battling tenants or rising property values. Returns come from interest, offering passive income regardless of the market.

Backed by Real
Tangible Assets

Each Groundfloor loan is backed by real property you could drive by, not just a digital asset. That tangible backing adds security when markets get shaky.

Built for Different
Market Conditions

We have weathered rate hikes, inflation, market dips, and even a pandemic. With losses under 1%, our strong track record reflects disciplined lending.

*Based on rates as of May 2025. Rates may be adjusted monthly, based on market conditions. 

Join the Community

Since 2013, we've been pioneering a better way to invest in real estate. Our community of investors has funded over $1.8 billion in loans across the country, earning more than $80 million* in return.

Whether you're looking to diversify your portfolio, grow your money, or earn more than a savings account, Groundfloor offers a smarter path forward.

*Historical performance based on loans originated between 2022–2024. Past performance does not guarantee future results.

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Funded Loans
$ 0 billion
Registered Investors
0
10% Historical Return
0 %

*10.27% return on Flywheel is calculated by weighting the loans in the portfolio by total dollar amount the REIT has invested in each loan, and taking the weighted average interest rate of all loans within the REIT portfolio. Prior performance is not an indicator of future performance and the figures provided are not intended and should not be viewed to be applicable to or to reference any potential returns that may follow any potential investment in future investments such as Groundfloor Loans 2

Frequently Asked Questions

© 2025 Groundfloor. All rights reserved.

A copy of these materials may also be obtained for free on the SEC’s website at www.sec.gov.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the stated categories in this privacy policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. End users can opt out of receiving further messages by replying STOP or ask for more information by replying HELP. Message frequency may vary. Message and data rates may apply.
PLEASE SEE OUR OFFERING CIRCULARS BELOW:
Groundfloor Finance Inc.
Groundfloor Real Estate 1, LLC.
Groundfloor Yield, LLC.
Groundfloor Loans 1, LLC.
Groundfloor Loans 2, LLC.
OFFERINGS FOR SECURITIES UNDER REGULATION A ON THIS WEBSITE ARE CURRENTLY OPEN TO ALL US RESIDENTS WHERE THE ISSUER HAS FILED STATE NOTICE. The information on this website does not constitute an offer to sell any securities identified herein in any state or jurisdiction in which the issuer is not qualified to do so. Securities are offered and sold under Regulation A of the Securities Act of 1933 (“Regulation A”) only to investors who are residents of the states in which Groundfloor Finance Inc. (“Groundfloor ”), or one of its affiliates has either qualified an offering statement under Tier 1 of Regulation A or made notice of its intent to offer and sell securities under Tier 2 of Regulation A. Groundfloor, or its affiliates, may also offer securities to accredited investors where such investors are duly qualified.



In some cases, Groundfloor or one of its affiliates has filed offering circulars and post-qualification amendments (or “PQAs”) (including supplements to such filings) with the Securities and Exchange Commission (the “SEC”) covering the above referenced Offering Circulars. An investment in any of the securities we sell entails risk of loss, and you may lose all or part of your investment. Each investor should carefully consider the risk factors and other information discussed in the qualified offering circulars/PQAs (and current supplements, if any) before purchasing securities. Some statements in the offering circulars/PQAs and on this website may contain forward-looking statements and are based upon current expectations, plans, estimates, assumptions, and beliefs that involve numerous risks and uncertainties. Although Groundfloor believes that the expectations reflected in such forward-looking statements are based on reasonable assumptions, actual results and performance could differ materially from those set forth in the forward-looking statements. You should consult with your own attorneys, accountants, and other professional advisors prior to making an investment.



The information on this website does not constitute an offer to sell or a solicitation of interest in any securities that may be qualified in the future. No money or other consideration is being solicited with respect to any securities that have not been duly qualified, and if sent in response, will not be accepted. No offer to buy any securities that have not been duly qualified can be accepted and no part of the purchase price can be received until an offering circular/PQA covering such securities has been qualified by the SEC.



Any such offer to buy unqualified securities may be withdrawn or revoked, without obligation of any kind, at any time before notice of its acceptance is given after the date of qualification. An indication of interest in our offerings involves no obligation or commitment of any kind. The information contained in the Offering Circular and offering materials presents a general summary of the business and the purpose and principal business terms of an investment in our securities.

This summary does not purport to be complete and is qualified in its entirety by reference to the more detailed discussion contained in the offering circulars/PQAs. Articles or information from third-party sources outside of this domain may discuss Groundfloor (or its affiliates) or relate to information contained herein, but Groundfloor and its affiliates do not approve and are not responsible for such content. Hyperlinks to third-party sites, or reproduction of third-party content, do not constitute an approval or endorsement by Groundfloor or any of its affiliates of the linked or reproduced content. Neither the SEC nor any state securities commission or regulatory authority approved, disapproved, endorsed, or recommended the merits of the offering described in the offering circulars/PQAs or reflected on this website. Groundfloor’s services do not constitute “crowdfunding” as described in Title III of the Jumpstart Our Business Startups Act (“JOBS Act”).

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