What Is Groundfloor?

Groundfloor is a financial technology company that operates as a real estate investing and lending marketplace.

It’s not a REIT or a peer-to-peer lending site. Instead, it originates short-term loans (6–24 months) for real estate projects—like fix-and-flips—and offers fractionalized portions of those loans directly to its investor community.

Groundfloor reviews applications and assigns a grade (A–G) based on risk and potential returns. Each loan is split into smaller investment opportunities available to the Groundfloor community.

And investors, like you, can fund loans directly. As borrowers repay, investors receive their share of principal and accrued interest.

📊 Groundfloor Overview

How Groundfloor Works

With investments starting at just $10, Groundfloor makes real estate accessible without the high costs or accreditation requirements of traditional investing.

1. Browse Deals: Review a list of vetted real estate projects with loan details, risk grades, and terms.
2. Invest as Little as $10: Select individual loans or use automated investing to spread across multiple projects.
3. Fund Real Estate Loans: Your money funds short-term loans (typically 6–12 months) to property developers.
4. Earn Returns: Once the project is completed or refinanced, you receive your principal plus interest.
5. Reinvest or Withdraw: Choose to reinvest in new projects or withdraw your funds.

Key Features & Benefits

Who Is Groundfloor For?

• Investors looking to diversify beyond stocks and bonds
• People who want real estate exposure without owning property
• Everyday investors (no accreditation required)

Pricing & Fees

• Minimum Investment: $10 for individual loans, $100 for Flywheel.
• Investor Fees: None—Groundfloor makes money from borrowers.
• Loan Terms: 6–24 months on average.
• Typical Returns: 7%–12% annually, depending on loan grade and performance.

Trust & Security

• Regulated by the SEC under Regulation A+
• Collateralized loans secured by real estate assets
• Transparent loan grading system (A–G) for risk evaluation
• More than $1 billion in loans funded since launch
• Trusted by tens of thousands of U.S. investors

Groundfloor Frequently Asked Questions

Is Groundfloor safe?
While no investment is risk-free, Groundfloor loans are secured by real estate collateral. The platform provides detailed loan information and risk grades to help investors make informed decisions.

Do I need to be accredited to invest?
No. Groundfloor is available to all U.S. investors, not just accredited or institutional ones.

How long will my money be invested?
Loan terms typically last 6 to 24 months. You’ll receive principal and interest after repayment.

What returns can I expect?
Groundfloor investors typically earn 7%–12% annually, depending on the risk grade and borrower performance.

Start Investing in Real Estate with Groundfloor

Diversify your portfolio with short-term, real estate–backed loans.

👉 Start with as little as $10