Absolutely incredible investment vehicle! I've been with Groundfloor since 2016, all in all I've made a boatload of money with them.
Patrick
What Sets Us Apart?
Designed for Everyone
For anyone who wants to do more with their money - not just accredited investors.
Up to 10% Returns
Choose from different Notes offering varying rates of return, term lengths and minimum investment.
Risk-Free Flexibility
New Notes investment options release each month. This gives you more control & makes reinvesting easier!
Our Proven Record
$1B+
Invested On
Platform
200k+
Registered Groundfloor Users
10+%
Average Annual
Returns
20+
Industry
Awards
Benefits of Real Estate Note Investing
Buying a real estate note might just be the ticket to investing short and long-term success. There are countless benefits for savvy investors, including the potential for impressive returns when you invest with Groundfloor. So why not consider adding real estate notes to your investment portfolio? The rewards could be well worth the effort.
The main benefits of real estate note investing:
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.
Awards and Accolades
Invest Smarter and Safer with Real Estate - Get Started Today
© 2024 Groundfloor. All rights reserved.
As Seen On
High returns.
Flexible terms.
Choose the Term Best for You
Returns of 6-10%, or Higher
Secured, High-Yield Investments
For Accredited and Non-Accredited Investors
SEC Qualified
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Best Real Estate Investment Platform Hands Down! Started with Groundfloor a little under a year ago, I absolutely love everything about it.
Adrian
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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
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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
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I’ve been investing with Groundfloor since 2018. It’s a great way to diversify away from the overpriced stock market.
Brian
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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
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Great communication, easy process, clear answers – and I love the shorter terms.
Kianuna
Set it & Forget it Investing
Groundfloor Notes are the perfect compliment to our other real estate investment product, LROs.
Each Groundfloor Note offers different rates, term lengths, and minimums. This allows you to choose the investment that best suits your needs and goals.
New Groundfloor Notes investment options release each month. To view our current offering and make your investment, visit your Investor Account and select the Notes tab.
Once you sign up with Groundfloor and fund your account, you'll be able to explore our current Notes offerings in your Investor Account.
What are Groundfloor Notes?
Groundfloor Notes are similar to publicly issued, non-traded secured debt with a set date repayment term. This makes them an attractive option for investors who are looking for a predictable source of income. With yields significantly higher than Treasury Bills, Groundfloor Notes is an ideal way to diversify your portfolio and ensure short-term stability.
Groundfloor Notes are the perfect investment product for a passive income strategy amidst a turbulent stock market. With their set date repayment term, high yields, and stability, investors can easily diversify their portfolio & earn a consistent income. Whether you're a seasoned investor or new to the game, Groundfloor Notes are an excellent investment option that you won't want to miss out on.
Passive Income: Imagine earning money without breaking a sweat or being tied down to a desk. That's exactly what happens when you invest in real estate notes. Unlike other forms of real estate investing, you don’t need to worry about managing properties or fixing leaky faucets. Once you've made the initial investment, the cash flow is hands-free, giving you the freedom to pursue other ventures or simply relax. Make your money work for you by jumping into the world of real estate where you can become the bank!
Security of a tangible asset: Looking for a secure investment that won't be affected by market fluctuations? Real estate notes are exactly that! Unlike stocks and bonds, which can be unpredictable, real estate is a physical asset that will always have value. Invest with confidence and know that your money is backed by real property through Groundfloor.
Less competition and easier to manage: Fun fact, there aren’t as many investors competing for real estate investing returns.
These investments can be managed from a smartphone or computer without visiting the property as you would with an investment property.
Potential for high returns: Ever wanted to be a bank? By becoming a note buyer with Groundfloor, you can help provide loans to property owners and receive generous payments in return. Say goodbye to puny pitiful interest rates from your standard saving account, and hello to the potential for impressive returns. Your money will be hard at work and you'll be reaping the rewards.
We're thrilled to introduce you to our latest investment product that's revolutionizing the way people invest in real estate - Groundfloor Notes.
With Groundfloor Notes, we've combined the benefits of savings and investing into one convenient investment experience. And the best part: now it's available to all investors, both accredited and non-accredited, giving everyone a chance to get in on the action.
Initially launched as a beta product in response to market volatility during the Covid-19 pandemic, Groundfloor Notes is available to all investors and is the perfect complement to our already popular flagship real estate investment product, Groundfloor LROs.
Each Groundfloor Note offers different rates, term lengths, and minimums. This allows you to choose the investment that best suits your needs and goals.
New Groundfloor Notes investment options release each month. To view our current offering and make your investment, visit your Investor Account and select the Notes tab.
What are Groundfloor Notes?
Groundfloor Notes are similar to publicly issued, non-traded secured debt with a set date repayment term. This makes them an attractive option for investors who are looking for a predictable source of income. With yields significantly higher than Treasury Bills, Groundfloor Notes is an ideal way to diversify your portfolio and ensure short-term stability.
Groundfloor Notes are the perfect investment product for a passive income strategy amidst a turbulent stock market. With their set date repayment term, high yields, and stability, investors can easily diversify their portfolio and earn a consistent income.
Whether you're a seasoned investor or new to the game, Groundfloor Notes are an excellent investment option that you won't want to miss out on. To view available Groundfloor Notes and invest, simply login to your Groundfloor account.
Don't wait, start investing in Groundfloor Notes today and take advantage of this exciting new opportunity.
