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Spread the Word: Earn $50 for Every Referral When They Invest $100.

Invest in Your community

Safe & With Groundfloor
  • Vector-2 High-Yield, Short-Term Investments
  • Vector-2 Consistent cash flow
  • Vector-2 Secured by Real Property, with Intrinsic Value
Start Earning
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Projects

Build your portfolio, Backed By Data

Discover, analyze, and invest in real estate projects financed by Groundfloor.

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Real Estate:

Safe, Stable, Recession Proof

  • $10 minimum to start
  • Backed by real estate
  • Simple and easy to use
  • 8%–15% expected returns

Groundfloor is a unique financial platform for individual investors that allows non-accredited and accredited investors alike to participate directly in real estate renovation loans on a fractional basis. You can view some of our recently repaid investments below.

Designed for Everyone
Maximize your money, open to all, not just accredited investors.
10% Annual
Returns
Over ten years, we’ve consistently averaged 10% annual returns for investors.

Minimal Concentration Risk

Continuously diversify across a range of investments with our Investment Wizard.

Qualified
by SEC
Each investment is qualified by the SEC before being offered on the platform.
Short Term
Liquidity
With reoccurring investments, portfolios can generate cash in as little as nine months.
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Testimonials

See What Our Clients Have To Say

One of the best experiences that I expected for my retirement. I would definitely recommend this company to get your retirement started and to contribute to your future and years to come. Please go over and sign up and contribute to your retirement and your future because your fellow government won't do that with only social security only.
Paul CepparoInvestor
Groundfloor provides an easy way to set up a diversified investment into various real estate properties. You can choose your level of risk from lower yielding A-rated projects and higher yields.
ThomasInvestor
Groundfloor answers the common investor dilemma. How to invest in Real Estate and get the banks out of our profits. Example: I invested $1,500 on 7/26/22. Got paid of 9/6/22 $1,520.31 (13% interest rate)
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Getting Started Is Easy

How It Works

Investing With Groundfloor

Get Started
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.
Link Your Bank To Get Started
Once your bank’s linked, you’re all set to dive into the investing action on our platform! With your account synced up, you can easily jump into exploring the array of exciting real estate opportunities we have waiting for you.

Whether you’re a seasoned investor or just starting out, our platform provides the tools and support you need to make informed decisions and maximize your returns.

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.

With a minimum initial investment of $10, 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.

Funded by Groundfloor

Transforming Communities

One House At A time

Take a look at one of our many notable borrowers’ finished projects.
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Before

After

© 2024 Groundfloor. All rights reserved.

A copy of these materials may also be obtained for free on the SEC’s website at www.sec.gov.

* 10% returns based on previous 8 years of historical returns and current available investments, ranging from 4% – 14%, barring any losses.
PLEASE SEE OUR OFFERING CIRCULARS BELOW:

PLEASE SEE OUR OFFERING SUBSCRIPTION AGREEMENT BELOW:


OFFERINGS FOR SECURITIES UNDER REGULATION A ON THIS WEBSITE ARE CURRENTLY OPEN TO ALL US RESIDENTS WHERE THE ISSUER HAS FILED STATE NOTICE.
The information on this website does not constitute an offer to sell the limited recourse obligations (or “LROs”) identified herein in any state or jurisdiction in which the issuer is not qualified to do so. Securities are offered and sold under Regulation A of the Securities Act of 1933 (“Regulation A”) only to investors who are residents of the states in which Groundfloor Finance Inc. (“Groundfloor ”), or one of its affiliates has either qualified an offering statement under Tier 1 of Regulation A or made notice of its intent to offer and sell securities under Tier 2 of Regulation A. Groundfloor, or its affiliates, may also offer securities to accredited investors. Investors who believe they qualify as accredited investors may access additional information about these offerings here .
The information on this website does not constitute an offer to sell the limited recourse obligations (or “LROs”) identified herein in any state or jurisdiction in which the issuer is not qualified to do so. Securities are offered and sold under Regulation A of the Securities Act of 1933 (“Regulation A”) only to investors who are residents of the states in which Groundfloor Finance Inc. (“Groundfloor”), or one of its affiliates has either qualified an offering statement under Tier 1 of Regulation A or made notice of its intent to offer and sell securities under Tier 2 of Regulation A. Groundfloor, or its affiliates, may also offer securities to accredited investors. Investors who believe they qualify as accredited investors may access additional information about these offerings here . Groundfloor or one of its affiliates has filed offering circulars and post-qualification amendments (or “PQAs”) (including supplements to such filings) with the Securities and Exchange Commission (the “SEC”) covering the current offering of LROs. An investment in LROs entails risk of loss, and you may lose all or part of your investment. Each investor should carefully consider the risk factors and other information discussed in the qualified offering circulars/PQAs (and current supplements, if any) before purchasing LROs. Some statements in the offering circulars/PQAs and on this website may contain forward-looking statements and are based upon current expectations, plans, estimates, assumptions, and beliefs that involve numerous risks and uncertainties. Although Groundfloor believes that the expectations reflected in such forward-looking statements are based on reasonable assumptions, actual results and performance could differ materially from those set forth in the forward-looking statements. You should consult with your own attorneys, accountants, and other professional advisors prior to making an investment. The information on this website does not constitute an offer to sell or a solicitation of interest in any LROs that may be qualified in the future. No money or other consideration is being solicited with respect to any LROs that have not been duly qualified, and if sent in response, will not be accepted. No offer to buy any LROs that have not been duly qualified can be accepted and no part of the purchase price can be received until an offering circular/PQA covering such LROs has been qualified by the SEC. Any such offer to buy unqualified LROs may be withdrawn or revoked, without obligation of any kind, at any time before notice of its acceptance is given after the date of qualification. An indication of interest in our offerings involves no obligation or commitment of any kind. The information contained in the Offering Circular and offering materials presents a general summary of the business and the purpose and principal business terms of an investment in LROs. This summary does not purport to be complete and is qualified in its entirety by reference to the more detailed discussion contained in the offering circulars/PQAs. Articles or information from third-party sources outside of this domain may discuss Groundfloor (or its affiliates) or relate to information contained herein, but Groundfloor and its affiliates do not approve and are not responsible for such content. Hyperlinks to third-party sites, or reproduction of third-party content, do not constitute an approval or endorsement by Groundfloor or any of its affiliates of the linked or reproduced content. Neither the SEC nor any state securities commission or regulatory authority approved, disapproved, endorsed, or recommended the merits of the offering described in the offering circulars/PQAs or reflected on this website. Groundfloor’s services do not constitute “crowdfunding” as described in Title III of the Jumpstart Our Business Startups Act (“JOBS Act”).