Where it all began

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.

Elevate Your Earning Potential

Benefits Of LROs

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

*10.79% (or 10.8%) realized return on real estate loans originated within the last 3 years, inclusive of realized losses (*based on an analysis of loans originated in 2022-2024 and offered on the Groundfloor platform and resolved as of February 2025, inclusive of losses and weighted based on principal amount invested and holding period to repayment)

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 backed by real estate to accredited, non-accredited, and even international investors so everyone has an opportunity to grow their wealth.

With our minimum entry of $10 on LROs, 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.

Our first-of-its-kind, award-winning platform makes it easy for new and experienced investors to turn properties into profits: just $10 to start with LROs for all investors (accredited and non-accredited) and easy, simple investing that builds your wealth and confidence over time.
*10.79% (or 10.8%) realized return on real estate loans originated within the last 3 years, inclusive of realized losses (*based on an analysis of loans originated in 2022-2024 and offered on the Groundfloor platform and resolved as of February 2025, inclusive of losses and weighted based on principal amount invested and holding period to repayment)

We're Making Borrowing Even Better!

Groundfloor is moving its lending services to a dedicated website at groundfloorlending.com. The new Groundfloor Lending site offers: