Our Proven Record

$1B+

Invested On Platform

200k+

Registered Users

10+%

Average Annual Returns

20+

Industry awards

How To Invest in 3 Easy Steps

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Us Vs Others

Other Real Estate Platforms

Accredited investors only

Repays in years

High minimum investments

Riskier equity investment

Charges fees to invest

Open to everyone

Repays in months

Only $100 to start

Secure debt investment

No fees for investors

What Our Customers Say

Frequently Asked Questions

Q. What is Groundfloor?

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.

Q. How does Groundfloor work?

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.

Q. How much can I earn on my money?

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.

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Real Estate Investing Now for Everyone

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High-Yield, Short-Term Investments for Everyone

Secured by Real Property, with Intrinsic Value 

Consistent Cash Flow 

All Investments Qualified by the SEC

Real Estate Investing Now for Everyone

  • Absolutely incredible investment vehicle! I've been with Groundfloor since 2016, all in all I've made a boatload of money with them.

    Patrick

  • Best Real Estate Investment Platform Hands Down! Started with Groundfloor a little under a year ago, I absolutely love everything about it.

    Adrian

  • One of my favorite investments! Used the platform for a few years now. In general a great experience and GF is one of my favorite investment tools.

    Tony

  • I joined Groundfloor as a way to make better returns on my cash. Locking money up for 12-24 months in a bank CD just wasn’t worth it.

    Craig

  • I’ve been investing with Groundfloor since 2018. It’s a great way to diversify away from the overpriced stock market.

    Brian

  • Groundfloor has been an innovator in real estate lending from the beginning. They make it easy to invest... at a level that is right for you.

    Tom

  • Great communication, easy process, clear answers – and I love the shorter terms.

    Kianuna

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Safely and Securely Earn Monthly Income

Designed for Everyone

For anyone who wants to do more with their money - not just accredited investors.

10% Annual Returns

Over the last eight years, we've consistently averaged over 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 flow in as little as nine months.

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What is Real Estate Debt?

Groundfloor offers debt investments that carry less risk and are backed by secured, collateralized real estate assets in a first lien position. Groundfloor is the only platform where you can safely earn up to 10% returns. Now you don’t have to sacrifice returns when minimizing risk.

Where is My Money Invested?

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.

1 Tremont Street, Oxford MA

12 mo. 

Projected Term 

55.3% 

Loan to ARV

10.2% 

Rate

1215 South 9th St, Noblesville IN

12 mo. 

Projected Term

63.5% 

Loan to ARV 

13% 

Rate

2150 Beecher Rd SW, Atlanta GA

12 mo. 

Loan to ARV 

64.7% 

Loan to ARV 

11% 

Rate

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Awards and Accolades