Consumer Credit Portfolio II

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Consumer Credit Portfolio II

Private Credit—
Without the Institutional Barrier

Private Credit—Without the Institutional Barrier

Earn 10% fixed annual returns, paid quarterly, through a diversified portfolio of short-term consumer loans, an asset class typically reserved for institutional investors with high minimums.

Limited window: May 4 – May 24th or until fully subscribed

Limited window:
May 4 – May 24th or until fully subscribed

10%

Annual Return

$3M

Total Offering

$10k

Minimum Investment

Quarterly

Distributions

45 mo

Term: 36 mo + 9 mo rolloff

Zero

Fees

This is Groundfloor’s second consumer credit offering, with only $3M available and a $10K minimum investment. Access is limited to accredited investors and offered on a first-come, first-served basis.

Predictable Fixed Income Investment

Information provided by Hive Financial Assets, 2026

10.00% fixed annual interest rate
Quarterly investor distributions
Built for secure, long-term fixed income
Access a historically resilient private market
Distributions now deploying to investors

Information provided by Hive Financial Assets, 2026

Resilient by Design

Consumer loan demand historically rises during economic stress, creating potential countercyclical performance when traditional markets struggle. Your capital is deployed through Hive Financial Assets, a private credit manager with:

$160M

Assets Under Mgmt

2017

10+ Years In Business

45 mo

Principal + Accrued Interest

About Hive's Approach

Hive evaluates tens of thousands of applications daily, funding short-term loans (typically ~9 months)
for essential needs like:

Demand for essential short-term credit often persists when markets weaken.

Groundfloor’s Private Credit
Partnership with Hive

Groundfloor’s Private Credit Partnership with Hive

Groundfloor CEO Brian Dally hosts Michael Schwartz, Chief Administrative Officer of Hive Financial Assets, a direct-lending private credit fund that has raised $160 million to finance non-bank consumer lenders.

Show Highlights Include

For more information or to learn more about additional private market investing opportunities with Groundfloor, book a free consultation call with our team here.

Limited Allocation

This is a capacity-constrained offering. Our first offering of this Consumer Credit Portfolio filled in just two weeks and is successfully paying out distributions as expected. We have since expanded the cap and lowered the minimum investment amount to provide this opportunity to a wider array of investors.

Once the $3M allocation is filled, access closes. All subscriptions are first come, first served.

Product Review Deep Dive: Groundfloor’s Expansion Into Consumer Credit

Product Review Deep Dive:
Groundfloor’s Expansion Into Consumer Credit

Alts.co breaks down Consumer Credit Portfolio II, its structure, and why demand surged in its first launch.

Groundfloor’s move beyond real estate is already gaining traction. The first consumer credit offering filled rapidly, and CCII builds on that momentum with a 10% target return, no fees, and institutional-grade underwriting through Hive Financial Assets. See the official review, how it works, and what sets it apart.

Your Portfolio, Always Within Reach

The Groundfloor app makes it easy to track your investments, monitor maturities, and manage both your short-term Notes and long-term Flywheel Portfolio, all in one place. Start small, stay consistent, and join over 270,000 investors building wealth on their schedule.

Your Portfolio, Always Within Reach

Frequently Asked Questions

How is my investment protected?

Investor capital sits behind two equity layers — lender equity and manager equity — that absorb initial losses before they impact investor returns. The underlying loans are short duration (about nine months on average), which limits exposure to any single credit cycle. There are no fees deducted from your return, so the 10% annual yield is what reaches your account.

What happens If the economy slows down?

Consumer loan demand historically rises during economic stress, creating potential countercyclical performance when traditional markets struggle.

What type of consumer credit loans am I funding?

Hive Financial Assets, the manager, originates short-term consumer loans — typically nine months in duration — for essential needs: vehicle repairs, home emergencies, and medical expenses. Hive evaluates tens of thousands of applications daily using AI-driven underwriting and funds only the loans that clear its credit and yield thresholds. Your $10,000 is diversified across the entire pool, not concentrated in any single borrower.

What’s the minimum investment?

The minimum Investment is $10,000. This is substantially lower than usual industry standards of $250,000 plus for a private credit investment of this kind.

What do I get in return?

The target return is 10% fixed annually. The first Consumer Credit Portfolio is already sending full distributions to investors.

When do I get distributions?

Distributions occur quarterly and will be available in your Groundfloor account. The first Consumer Credit Portfolio is already sending full distributions to investors.

What’s the term?

At the end of 45 months, you will receive your principal plus all accrued interest.

What are the fees?

Zero. No management fees, no performance carry, no investor fees of any kind. The 10% annual return is the return.

Why does Groundfloor Consumer Portfolio have a lock-up period?

A longer-term capital commitment ensures the stability required to maintain continuity in lending portfolios. 45 months is typical for a private consumer credit investment like this one.

NEW OFFERING

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