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LROs By Groundfloor

Groundfloor allows everyday investors, both accredited and non-accredited alike, to invest fractionally in qualified-for-public-sale real estate projects nationwide.

LROs, or Limited Recourse Obligations, are debt security offered on our investing platform. Groundfloor submits these to the SEC for qualification. Each loan is backed by the underlying real estate asset, which means you as the investor are put in a first lien position, making this investment in real estate debt inherently less risky than investing in real estate equity.
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Elevate Your Earning Potential

Benefits Of LROs

Start growing you wealth with a low minimum investment of $10.

  • Qualified for public sale
  • 11 years in business
  • Consistent cash flow
  • Secured by real properties
  • Available to accredited & non-accredited investors
  • Expected returns of 8%–15%

Built for the everyday Investor

Groundfloor Makes it Easy to
Start Your Real Estate Journey

Investing in fractional real estate is simple with Groundfloor. We offer debt investments to accredited, non-accredited, and even international investors so everyone has an opportunity to grow their wealth.


With our minimum entry of $100, there’s no reason you can’t start making high returns on private real estate right away. It’s the perfect solution for passive investors looking to generate short-term gains without paying investment fees.


Take charge of your investments when you expand beyond the traditional stock market with Groundfloor. Our automatic investing tool and historic 10% returns can help you earn steady passive income without breaking a sweat.


Each and every loan is backed by an underlying real estate project (or projects) to help mitigate risk. Our grading systems range from A–G, with Grade A loans having potentially lower expected risks while still providing attractive yields designed to help you build your wealth over time.


Fractional real estate investing can be a lucrative way to boost your income, which is why Groundfloor broke barriers to make it accessible to everyone. Our first-of-its-kind, award-winning platform makes it easy for new and experienced investors to turn properties into profits: just $100 to start for all investors (accredited and non-accredited) and easy, simple investing that builds your wealth and confidence over time.

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Investing for Everyone
Real estate investing with Grounfloor is for both accredited and non-accredited investors, making these investments available to everyone and no longer reserved for the wealthy.
Secure Position
Invest with the confidence of being in a first lien position. This ensures that in the hierarchy of repayment, you're right at the front of the line.
Diversify Your Portfolio
LROs provide you an avenue to investing in real estate. Not only can you now have real estate as an investment category in your overall portfolio, but Groundfloor also makes it easy for you to diversify within our LRO offerings with our Investment Wizard.
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© 2024 Groundfloor. All rights reserved.

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

* 10% returns based on previous 8 years of historical returns and current available investments, ranging from 4% – 14%, barring any losses.
PLEASE SEE OUR OFFERING CIRCULARS BELOW:

PLEASE SEE OUR OFFERING SUBSCRIPTION AGREEMENT BELOW:


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 the limited recourse obligations (or “LROs”) 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. Investors who believe they qualify as accredited investors may access additional information about these offerings here .
The information on this website does not constitute an offer to sell the limited recourse obligations (or “LROs”) 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. Investors who believe they qualify as accredited investors may access additional information about these offerings here . 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 current offering of LROs. An investment in LROs 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 LROs. 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 LROs that may be qualified in the future. No money or other consideration is being solicited with respect to any LROs that have not been duly qualified, and if sent in response, will not be accepted. No offer to buy any LROs 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 LROs has been qualified by the SEC. Any such offer to buy unqualified LROs 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 LROs. 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”).