Absolutely incredible investment vehicle! I've been with Groundfloor since 2016, all in all I've made a boatload of money with them.
Numbers to Know
$1B+
Invested On Platform
200k+
Registered Users
10+%
Average Annual Returns
20+
Industry awards
How To Invest in 3 Easy Steps
Create Your Account
Register and confirm you email, then tell us a little about yourself .
Add Funds
Connect your bank and transfer funds into your Groundfloor account.
Automatically Invest
Your approved funds transfer will be automatically invested.
Us Vs Others
Other Real Estate Platforms
Accredited investors only
Repays in years
High minimum investments
Riskier equity investment
Charges fees to invest
Open to everyone
Repays in months
Not a fund of REIT
Secure debt investment
No fees for investors
What Our Customers Say
Frequently Asked Questions
Q. What is Groundfloor?
Groundfloor is a unique financial product for individual investors that allows non-accredited and accredited investors alike to participate directly in real estate investment loans on a fractional basis. We open the door to short-term, high-yield returns backed by real estate. Typical loans have returned 10 percent annually on a six to 12 month term.
The product is based on venture loans to real estate entrepreneurs, originated and serviced by Groundfloor. Prior to offering, every loan is pre-funded by Groundfloor after a thorough vetting of the borrower's experience, credit worthiness, and business plan, plus an assessment of the property value on an as-is and as-improved basis.
Founded in 2013 by Brian Dally and Nick Bhargava, Groundfloor is headquartered in Atlanta, Georgia with a fast-growing team on a mission to take private lending public.
Q. How does Groundfloor work?
Groundfloor is a unique financial product for individual investors that allows non-accredited and accredited investors alike to participate directly in real estate investment loans on a fractional basis. We open the door to short-term, high-yield returns backed by real estate. Typical loans have returned 10 percent annually on a six to 12 month term.
It all starts with the borrower. A real estate investor, who we call a borrower, secures a loan through Groundfloor rather than a traditional bank or a hard money lender to finance a residential real estate project. That borrower submits a loan application and we review and underwrite the loan using our loan grading engine. After review, the loan is assigned a loan Grade A through G and a corresponding rate where Grade A loans are the least risky, with the lowest rate of return and Grade G loans are most risky, with the highest rate of return. Grade A loans generally offer returns of 5.5% and Grade G loans generally offer returns of 26% with each letter grade offering a rate in that in range.
Our Borrower Services Team works with the borrower to tailor the loan to meet the needs of the project. The loan is then underwritten and assigned a grade and interest rate. We have filed an offering circular with the Securities Exchange Commission (SEC) through which we sell securities. The proceeds of these securities and the performance of these securities are tied to the individual loans we decide to originate. If we decide to put a loan up for funding, we amend our offering circular with the details of that loan. When that amendment is qualified, the loan may be taken live for investment. "Qualification" by the SEC is not an endorsement of our investments, and no government or agency has passed on the merits of our offering.
You can browse the summary view of loans funding on our site or view more information on each loan's detail page. You decide when, how much, and where to invest. Investing is simple and efficient. You fund your Groundfloor Invest Account in any amount you choose and can invest after your funds post in 4 to 5 business days.
Once a loan is fully funded, a closing is initiated with the borrower. The loan closes, the borrower draws money according to a schedule, and completes the renovation or rehab project. The property is then listed, sells, and eventually closes. At closing the borrower repays investors via Groundfloor. A lump sum of principal invested plus interest earned is deposited into your Groundfloor Investor Account. The balance in your Groundfloor Investor Account can be withdrawn or reinvested in other projects.
Q. How much can I earn on my money?
Our loan grading scale ranges from Grade A to Grade G with interest rates ranging from 5.5% to 25.5%. The interest rate assigned to a loan and displayed on the loan detail page is an annual rate.
Per our most recent diversification analysis, a hypothetical model portfolio composed of an equal investment made in all 421 loans repaid to date would've earned an annualized net return of 10.72%. Groundfloor does not take any spread of the return that our investors earn.
For a more detailed overview of how Groundfloor calculates your investment return, please see our blog post on the subject.
Get Consistent 10% Returns To Help You Invest Smarter.
© 2023 Groundfloor. All rights reserved. 600 Peachtree St NE Suite 810 Atlanta, GA 30308
* 10% returns based on previous 8 years of historical returns and current available investments.
As Seen On
Your Real Estate
Investing Easy Button
Introducing Groundfloor's 3rd Generation investing platform.
Get started for $100 and build your future on solid ground.
Automatic Diversification
More Stable Than Other Investments
Real Cash Flow in as Little as 3 Months
Consistent 10%* Returns
Automatic Diversification - Real Cash Flow
Automatic Diversification
Our 3rd generation platform automatically invests your funds into our available listings for optimal diversification.
10% Annual Returns
Over the last eight years, we've consistently averaged over 10%* annual returns for investors.
Real Cash Flow
Begin earning real cash flow in as little as 3 months. Increase your earnings with automatic reinvesting.
Qualified by SEC
Each investment on our platform is qualified by the SEC, giving you the confidence to securely invest.
Built for All Investors
Groundfloor offers the opportunity to invest in real estate to both accredited and non-accredited investors.
What is Real Estate Debt?
Groundfloor offers debt investments that carry less risk and are backed by secured, collateralized real estate assets in a first lien position. Groundfloor is the only platform where you can safely earn up to 10% returns. Now you don’t have to sacrifice returns when minimizing risk.
Awards and Accolades
Your Real Estate Investing Easy Button
Introducing Groundfloor's 3rd Generation investing platform.
Get started for $100 and build your future on solid ground.
Get Consistent 10% Returns To Help You Invest Smarter
Build Your Future
On Solid Ground!
Have you ever wished you could easily invest with the click of a button?
Now you can!
Investing doesn't have to be complicated. Our new diversification tool looks across our current portfolio and invests in the projects with an aim for high returns in a short period of time.
Other Real Estate Platforms
Accredited investors only
Repays in years
High minimum investments
Riskier equity investment
Charges fees to invest
Open to everyone
Repays in months
Only $10 to start investing
Secure debt investment
No fees for investors
For Any Investor - Accredited and Non-Accredited
Automatic Diversification
Consistent 10%* Returns
More Stable Than Other Investments
Real Cash Flow in as Little as 3 Months
For Any Investor - Accredited and Non-Accredited
More Stable Than Other Investments
More stable than other investments
Automatic Diversification Real Cash Flow