The path to private market performance
The path to private market performance
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.
LIMITED WINDOW - NEW INVESTMENT
Consumer Credit Portfolio II
A new fixed-income investment backed by a diversified portfolio of short-term consumer loans.
10%
Fixed Annual Returns Paid Quarterly
45
Term
Month Term
Open through May 24th or until the $3M cap is fully subscribed. The first iteration of the Consumer Credit Portfolio sold out in just two weeks. Interested investors are encouraged to act now.
LIMITED WINDOW - NEW INVESTMENT
Consumer Credit Portfolio II
A new fixed-income investment backed by a diversified portfolio of short-term consumer loans.
10%
Fixed Annual Returns Paid Quarterly
45
Term
Month Term
10k
Investment
Minimum Investment
Open through May 24th or until the $3M cap is fully subscribed. The first iteration of the Consumer Credit Portfolio sold out in just two weeks. Interested investors are encouraged to act now.
The path to private-market performance
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.
Recognized for
Innovation & Growth
Recognized for Innovation & Growth
*Rates shown as of Feb 2026 and may adjust monthly based on market conditions. Notes pay interest at maturity. All investments involve risk.
Groundfloor Notes
Notes are short-term investments with predictable returns and set repayment dates. With low minimums, Notes offer fixed 1-mo, 3-mo and 12 month terms.
You choose the term that fits your strategy and receive consistent income with no market exposure.
- 4.75% - 8.25%* returns
- Terms ranging from 1-mo, 3-mo, or 12-months
- Portfolio backed by diversified real estate loans
Notes are short-term investments with predictable returns and set repayment dates. With low minimums, Notes offer fixed 1-mo, 3-mo and 12 month terms. You choose the term that fits your strategy and receive consistent income with no market exposure.
- 5 - 8.5%* returns
-
Notes offer 1-mo, 3-mo,
or 12-month terms - Portfolio backed by diversified real estate loans
Groundfloor Notes
*Rates shown as of Dec 2025 and may adjust monthly based on market conditions. Notes pay interest at maturity. All investments involve risk.
Flywheel Portfolio
*Rates shown as of Dec 2025 and may adjust monthly based on market conditions. Notes pay interest at maturity. All investments involve risk.
Flywheel diversifies your investment across a mix of real, asset-backed opportunities, helping reduce single-asset risk and support steady, long-term growth.
- Instant diversification across assets, timelines, and geographies
- Consistent, long-term strategy that adjusts as assets repay
- Optional auto-reinvesting to help your portfolio compound over time
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.
- Works for both beginners and seasoned investors
- Detailed borrower and property information
- Track progress with real-time updates
- Select from loans featuring interest rates ranging from 5% to 15%*
Loans
*Rates shown as of Dec 2025 and may adjust monthly based on market conditions. Notes pay interest at maturity. All investments involve risk.
Flywheel Portfolio
Flywheel diversifies your investment across a mix of real, asset-backed opportunities, helping reduce single-asset risk and support steady, long-term growth.
- Instant diversification across assets, timelines, and geographies
- Consistent, long-term strategy that adjusts as assets repay
- Optional auto-reinvesting to help your portfolio compound over time
*Rates cited are based on terms of underlying loan agreements with borrowers, and are subject to risk of loss, not guaranteed.
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.
- Works for both beginners and seasoned investors
- Detailed borrower and property information
- Track progress with real-time updates
- Select from loans featuring interest rates ranging from 5% to 15%*
How Groundfloor Investing works
1
Fund Real Estate Projects
Your investment goes directly into property-backed loans.
2
Earn predictable interest
As borrowers repay, principal and interest are returned to you.
3
Get paid or reinvest
Withdraw earnings or reinvest them in new projects to grow faster.
Why Groundfloor Is Different
Groundfloor gives everyday investors a clearer, more controlled way into private-market real estate—built on transparency, tangible assets, and a decade of proven performance.
Invest in Properties
Without Owning
Earn through real estate lending, not property management or market timing. Returns come from interest on short-term, secured loans.
Backed by Real
Verified Collateral
Every Groundfloor investment is secured by real property—not a token or fund abstraction. This tangible collateral adds protection when markets shift.
Designed To Perform
Through Market Cycles
We’ve navigated rate hikes, inflation, market swings, and a pandemic. With realized losses under 1.5%, our disciplined lending speaks for itself.
Join the Community
Groundfloor makes it easy for anyone to invest in private-market real estate and earn steady, reliable returns. Since 2013, more than 250,000 investors have chosen a smarter way to grow their money.
Join the Community
Groundfloor makes it easy for anyone to invest in private-market real estate and earn steady, reliable returns. Since 2013, more than 250,000 investors have chosen a smarter way to grow their money.
