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

your next flip starts here

Accelerate Your

With Groundfloor

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

Start Earning
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Groundfloor benefits

Accelerate Your
Income Snowball

  • Great Cash flow - Historically, most of our loans have repaid within 15 months of origination. This has enabled Tardus investors to pay down their flips faster and accelerate their snowballs up to twice as fast as investing in an amortized investment with the same yield.
  • Diversification - with Flywheel Portfolio, you are instantly invested in hundreds of first position loans backed by real estate.
  • High Yield - Invest in a portfolio of loans with average interest rates currently 10.5-11.5%

Our loan repayment curve has resulted in much higher cash flow for Tardus investors than typical amortized investments.

Start Securing Your Financial Future

Real Estate Investing:

Now For Everyone

  • $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. Our low minimums of just $10 allow anyone to start making high returns on private real estate, and our wide array of investing products make it perfect for passive investors who want to generate short-term gains without paying fees.

Each loan is baked by an underlying project(s) to help mitigate risk while still providing attractive yields (8%–15%) to help you build wealth over time. Take charge of your investments and expand your portfolio beyond the traditional stock market with Groundfloor. Join 250K+ clients who are elevating their earning potential with our 10% historic returns.

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.

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.

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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)
National AptsIncorporation

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.

© 2025 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.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the stated categories in this privacy policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. End users can opt out of receiving further messages by replying STOP or ask for more information by replying HELP. Message frequency may vary. Message and data rates may apply.
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”).

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