Partner with Groundfloor

Finance your next project with $0 down. Available to experienced professionals.

Introducing Full Stack Financing

Fund your next project with 100% financing with a loan and down payment investment, all on Groundfloor. As a leading real estate investment platform and lender, Groundfloor empowers experienced professionals to build and invest with no up-front capital requirements. 


Instead of working with an external investor or lender to fund your loan’s down payment, finance your full capital stack on a single platform. Down payment investments are structured as junior loans at competitive rates or as equity capital with profit sharing upon sale.

Scale your real estate portfolio

Partnering with Groundfloor reduces or eliminates the down payment for your next construction or fix & flip loan. With lower up-front capital requirements, experienced professionals can scale their real estate portfolio to diversify, de-risk, and augment their returns across more projects.

Financing with Groundfloor

Full stack Financing faq

How does Groundfloor finance down payments?

In addition to funding fix & flip and construction loans, Groundfloor offers financing for loan down payments to experienced professionals. Down payments are financed either through a second junior loan alongside the first, or as equity capital through which Groundfloor invests as a co-owner.

What is a junior loan?

A loan is considered to be junior if it is subordinate to a senior loan. When a property is sold or refinanced, senior loans are repaid first, and junior loans are repaid from the remaining proceeds. Because senior loans hold first claim to repayments, junior loans are considered riskier for lenders and investors.

What is equity capital?

Equity capital is not a loan, but a direct investment into the property as a co-owner. Equity capital does not have an interest rate, but a profit share agreement through which Groundfloor is entitled to a portion of sales proceeds after loan repayments and closing costs.

How much does down payment financing cost?

The cost of a fix & flip or construction loan with down payment financing is equivalent to interest rates from 13% to 18%. Interest rates for junior loans range from 18% to 20%, and profit sharing for equity capital ranges from 15% to 50%.

Why is down payment financing more expensive than a normal loan?

Because fix & flip and construction loans must be repaid before down payment investments, junior loans and equity capital hold greater risk of default and loss. If a down payment is entirely financed, Groundfloor bears the full financial risk of a project. The higher cost of down payment financing is reflective of the greater risk borne by junior loans and equity capital.

Can I finance a portion of my down payment?

Yes, eligible professionals may finance a portion or the entire down payment on Groundfloor.

Start building with $0 down

To get started, fill out the form below to begin your application and a member of the team will reach out shortly. If you have any questions, you can contact
James McGowan, Business Development Manager for New Products.

Full Stack Financing pre-application form

Have Questions? Feel Free to Reach Out

We can help with any project

Meet Our Flips

Check out some of the properties that we've helped transform all across the country. 

Lanham, Maryland

Jacksonville, FL

Atlanta, Georgia

Columbus, Ohio

Mableton, Georgia

Charlotte, North Carolina

Bluffton, South Carolina

Pensacola, Florida

Borrower Spotlight

Meet Our Borrowers

Learn more about a few of the borrowers that have worked with Groundfloor to turn bring their project to life!

Check Out Our Podcast

We're talking with expert leaders to hear more about how real estate entrepreneurs and investors can make a real impact in this dynamic industry.

We’re excited to introduce you to the dynamic partnership between Groundfloor Finance and RicherValues. These two companies have teamed up to bring you innovative solutions in the field of real estate investing and financial planning. As real estate professionals, we understand the importance of understanding the value of a property before making an investment and how it can impact the potential return on investment.