An Alternative investing platform rooted in real estate
Groundfloor launched in 2013 with a mission to democratize real estate investing, and we’ve been making it easy ever since.
We fund short-term loans for home builders, allowing you to earn returns by investing in those projects. Loan money, get paid. It’s that straightforward.
It’s real estate investing made simple for beginners, pros, and everyone in between.
Why We Started Groundfloor & Who We Built It For
We make real estate investing accessible, with no middlemen or high minimums. With just $100, everyday investors can fund real renovation projects and grow their money through our Flywheel portfolio.
Today, over 270,000 users grow their money with Groundfloor by funding real renovation projects nationwide.
Our mission is simple: break down barriers, bring transparency to real estate lending, and give investors like you more control.
We’re SEC-regulated, community-backed, and founder-led, driven by the belief that everyone deserves a shot at building wealth.
Investments Backed By Actual Properties
Earn from real estate without owning it. No tenants, no maintenance, just monthly interest payments backed by tangible assets. Each loan is secured by physical property, not tied to market volatility.
- Fund short-term loans for residential renovation projects.
- Earn passive income as borrowers repay with interest.
- Reduce risk with loans secured by physical properties.
- Support local developers improving real neighborhoods.
One Step to Spread Your Risk
Smart Protection Through Multiple Homes
Don't put all your eggs in one basket. With Groundfloor's flagship product, The Flywheel Portfolio, one click automatically spreads your investment across a curated portfolio of real estate debt. This means a single underperforming loan won't significantly impact your overall returns.
Each loan is secured by a physical property—something tangible in an increasingly digital world. When you invest with Groundfloor, you're helping fund real homes while protecting your financial future.
Ready to diversify like a pro? Start your journey with just $100.
*Past performance does not guarantee future results.
4 Steps to Start Earning Better Returns
Over 250,000 registered investors have already discovered how simple it can be.
New opportunities are released weekly and often fund quickly. Many of our most popular properties reach full funding within hours.
Loans - Limited Recourse Obligations (LROs)
Hand-pick exactly which properties to fund
For investors who want more control, LROs let you choose specific real estate projects based on location, term length, and risk profile.
It's a way to invest in loans Groundfloor made to home builders and renovators across the US. These loans fund renovation and "home flip HGTV-esq" projects in your community.*
- For all investors
- 9-15%** potential returns based on your selections
- Updates that offer transparency on each property
- Fund projects you can actually see
Groundfloor Notes
The "CD” of real estate" with higher yields
- 5-7%* returns
- Terms from 30 days to 12 months
- $1,000 minimum investment
Notes are released at the beginning of each month, and rates may change based on market conditions. Don't miss the current offerings.
*Based on rates as of May 2025. Rates may be adjusted monthly, based on market conditions.
Select the Best
Investment Product for You
Explore a range of options tailored to your timeline, risk tolerance, and return goals.
Flywheel Portfolio
Risk-averse? Groundfloor’s Flywheel Portfolio spreads your investment across real estate debt with one click, so no single loan drags down your returns. Each is backed by real property for tangible security.
LROs (Limited Recourse Obligations)
Prefer more control? With real estate debt loans (LROs), you handpick each loan, browse projects, view property photos, and choose where your money goes. Start with just $10.
Notes
Your "savings account alternative" with 30-day, 90-day, or 12-month terms. Predictable returns with set repayment dates. $1,000 minimum here.
IRA Investing
Power up your retirement with real estate loans, diversifying beyond stocks and bonds while potentially boosting your long-term growth. $25,000 minimum.
Take Your Financial
Future with You
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.
Frequently Asked Questions
How Groundfloor Lending Works
Groundfloor offers four types of real estate loans built for speed, flexibility, and simplicity, so homebuilders and house flippers can move fast and build smarter.
Fix and Flip Loans
A savings account alternative with 30, 90, or 360-day terms. Fixed returns, set repayment dates, and a $1,000 minimum. With higher yields than Treasury Bills*, Notes offer a stable way to diversify short-term.
New Construction Loans
Starting a build-to-rent or spec home? Get fast funding, flexible draw schedules, interest-only payments to keep your project moving, and expert support from start to finish.
Bridge Loans
Our 24-month bridge loans offer fast, interest-only funding to help you secure your next property, without traditional lender delays. Bridge the gap, then refinance on your terms.
DSCR Loans
Ideal for those growing their rental portfolio. Debt Service Coverage Ratio (DSCR) loans use your property’s income, not your own, to qualify. It’s low-friction funding.
Which option matches your financial goals?
