Start your real estate portfolio with just $10 by investing in Loans, short-term, property-backed loans to home builders and renovators.
Over $1.3 billion has been invested through Groundfloor. Each investment is secured by real property, not stock market trends. If a borrower defaults, we can claim the asset on your behalf—protection you won’t get with stocks, bonds, or crypto.
*Groundfloor can foreclose on properties to settle unpaid loans in case of default.
REITs pool your money into managed property portfolios you don’t control. Unlike crowdfunding, we originate, underwrite, and manage each loan in-house for more control and transparency.
Loans are the foundation of Groundfloor, providing everyday investors with the transparency and control typically reserved for the wealthy. Join 250,000+ users funding real estate in just four steps.
Open a free account and link your bank
Browse properties with photos and loan details
Invest in projects starting at $10
Get paid as loans are repaid
Select individual Loans or opt for our most popular option, the Groundfloor Flywheel Portfolio. It’s a smart, beginner-friendly way to diversify and grow your wealth.
Loans
Ideal for hands-on investors who want control—browse projects, review property details, and fund loans starting at just $10.
Select individual Loans or opt for our most popular option, the Groundfloor Flywheel Portfolio. It’s a smart, beginner-friendly way to diversify and grow your wealth.
Flywheel Portfolio
Great for beginners and pros—your money is automatically diversified across real estate loans with zero guesswork. Start with $100.
Our app puts the power of real estate lending in your pocket. Check your portfolio, track payments, and watch your money fund actual renovation projects—all while on the go.
Start small, think big. Join over 250,000 investors who've discovered a more rewarding way to put their money to work.
Groundfloor lets you invest in individual real estate loans, structured legally as a Limited Resource Obligation (LRO). An LRO is a security backed by a single real estate loan.
Once the borrower repays. This could be in a few months or longer depending on the loan’s term and performance. Payments are made as loans mature.
Like all investments, investing in individual loans carries some risk. If a borrower defaults, your return may be delayed or reduced.
Groundfloor Loans typically earn 10–11% realized returns on real estate loans originated within the last 3 years, net of realized losses, and carry interest rates ranging from 5.5–25.5%.*
With loans, you have control over which assets you invest in, though it requires more time and effort. The Flywheel offers a hands-off approach, spreading funds across many loans automatically.
Every Wednesday at noon EST. You’ll receive an email on Tuesdays letting you know of upcoming releases and an email on Wednesdays once they’re available.
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