Deferred interest accrues during the Note term and is paid in full at maturity—ideal for short-term strategies. This keeps your returns consolidated into one clear, predictable payout.

Private credit refers to lending outside traditional banks. Groundfloor enables participation in private real estate credit through short-term, asset-backed investments.

Short-term investments are assets designed to mature quickly, typically within 30 days to 12 months, allowing investors to earn returns faster and with more flexibility.

No. All Notes offer fixed interest rates that remain the same throughout the term. Your rate is locked once you invest, though rates for new Notes may vary month to month.

Yes. Notes are supported by first-lien real estate collateral, not unsecured promises. Your investment is backed by real property that we actively manage and oversee.

Notes are fixed-term, fixed-yield investments. Flywheel is a diversified portfolio of hundreds of loans based on a 36-month reinvestment strategy.

All investments carry risk, but asset-backed short-term structures and first-lien security help reduce volatility. Our track record shows consistent performance across thousands of loans.