Groundfloor Notes
Fixed Income That Performs.
Steady Returns, Flexible Terms.
Fixed Income That Performs. Steady Returns, Flexible Terms.
Real estate-backed Notes delivering up to 8.5%* with 1-mo, 3-mo, or 12-month terms.
Built for investors seeking fixed returns backed by tangible collateral—not market speculation. Lower minimums than traditional banks. Zero investor fees. Join 270,000+ investors accessing private credit.
*Based on rates as of Dec 2025. Rates may be adjusted monthly, based on market conditions.
Recognized for Innovation & Growth
Pick Your Term. Lock In Your Return
Short-term investments typically force a choice between yield and liquidity. Groundfloor Notes deliver both: fixed returns backed by first-lien real estate collateral with terms matching your timeline. Predictable income, real asset security.
1 Month Note
5%
Fixed Return
Maximum flexibility
Perfect for short-term goals
Deferred interest
$100 Minimum
3 Month Note
6%
Fixed Return
Quarterly returns
Balance liquidity yield
Deferred interest
$100 Minimum
12 Month
Signature Note
8.5%
Fixed Return
Highest return
Annual strategy
Monthly interest
$1,000 Minimum
Why Groundfloor Notes?
Groundfloor Notes deliver passive income through private real estate credit—not volatile markets. Every dollar is backed by first-lien positions on residential properties.
Start with 1-month or 3-month Notes, or maximize returns with our 12-Month Signature Note at 8.5%. Real collateral, real income.
Let's Find Your Best Fit.
How Groundfloor Works
Groundfloor opens access to institutional-grade private real estate credit. We originate short-term, asset-backed loans to vetted residential builders, each secured by a first lien for added protection.
What This Includes
- Vetted residential builders
- First-lien, asset-backed collateral
- Fixed interest rates
- Foreclosure oversight when needed
Why This Strategy Matters
This short-term, asset-backed approach has delivered consistent, predictable performance—making private credit accessible to both new and seasoned investors.
Why Investors Choose Notes Over CDs
*Based on rates available as of Dec 2025. Rates may be adjusted monthly, based on market conditions.
More earnings. More flexibility. More accessible.
Notes
Higher returns backed by real estate.
- Flexible 1, 3, or 12-month options
- Low minimums—more access
- Build passive income on your timeline
Traditional CDs
Low returns that barely beat inflation.
- Rigid 6-24 month terms
- High minimums for best rates
- Early withdrawal penalties
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.
Frequently Asked Questions
*All investments involve risk. Notes pay interest at maturity. Rates shown as of December 2025 and may vary monthly based on market conditions. Notes are not savings accounts, are not insured, and are not issued by a bank.
