Enter the referral code KEN2024 on signup and you’ll receive a $50 bonus when you invest $100.

Get In On the groundfloor with ken suna

Invest In Real Estate
with Groundfloor

Enter the referral code KEN2024 on signup and you'll receive a $50 bonus when you invest $100. (terms apply)

Wealth at Every Turn

Your Game Plan To
Build Your Portfolio

Make sure your investment strategy is fighting fit with instant diversification into 200 to 400 loans, rate ranges of 9% to 14.5%, SEC-qualified investments, and more.

Go The Distance With Groundfloor

Real Estate Investing:

That Breaks Barriers

Groundfloor’s southpaw strategy has been turning the industry on its head since 2013 to open up the world of private market investments to all.

For Everyone
Built for accredited and non-accredited investors.
Low Entry
Start growing your wealth with just $100.
Monthly Payouts
Disbursements every first business day of the month.
Lower Risk
Backed by underlying real estate assets.

With a minimum initial investment of $100, Groundfloor provides you a low barrier to entry, easy path to diversification, and puts you in a first-lien position.

Don’t let stock market volatility hold you back from investing. Real estate investing is a historically stable asset class and not impacted by geopolitical views and corporate earnings reports. Groundfloor also reports historic 10% returns.

Accredited and non-accredited investors can join Groundfloor. With lower minimums, shorter terms, and no fund lock-ups or manager-controlled payouts, Groundfloor optimizes your alternative investments.

Data as of July 2023. Sources: Investopedia; Macrotrends; Bankrate.

Getting Started Is Easy

How It Works

Investing With Groundfloor

Getting Started With Groundfloor
Creating an account to invest on Groundfloor is simple. Click on the “Get Started” button above and follow the user-friendly registration steps. You’ll provide essential information, like your email address, password, and personal details.

Once your account is set up, you’ll have access to a platform that empowers you to explore and invest in fractional real estate investments to help you grow your wealth. Take the first step toward financial freedom by creating your Groundfloor account today.

Start Earning Passive Income
Easily earn a consistent stream of passive income with Groundfloor. It’s never been easier. Start investing with as little as $10 on the platform.


With Groundfloor’s automatic investing, your investments are automatically invested and reinvested across a wide array of available loans. So sit back and relax with this true set-it-and-forget-it model.

Frequently Asked Questions

You've Got Questions

We've got answers

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.
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.
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.