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We can nail down over 10% returns for you*

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for house flippers & real estate investors

Nail down a hard money loan, with rates as low as 5.4%

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What The Press Has To Say About Groundfloor

Closing the gap between the real estate investor and borrower through crowdfunding is what makes Groundfloor innovative.

Groundfloor is unusual in that its mission opens real estate investing to the general population…. The investment is secured by the real property, and there’s an aggressive pre-screening process for developers.

Developers…have embraced the opportunity. They see it as a viable way to quickly raise cash for a project.

Unlike several other real estate crowdfunding platforms that require a minimum investment of $5,000, Groundfloor asks for a minimum investment of only $10. Typical Groundfloor loans...return 12 percent annually on a six-to-12-month term…. Real estate crowdfunding opens up the potential for achieving high risk-adjusted yields that have traditionally remained the province of a very narrow sliver of privileged people…

Groundfloor fills a void for real estate entrepreneurs...They provide short-term, high-yield returns backed by real estate to entrepreneurs who are often ignored by traditional lenders…

Groundfloor’s investors are regular Americans who partner with developers on 20 to 30 real estate projects over a six month period...They earn between a 5 percent and 16 percent return on their investment within six to 12 months…. Investors run the gamut from retirees to professionals who want to invest in real estate part time.

Groundfloor made the higher returns of real estate investing available to regular people who previously did not have access.

I applaud Groundfloor in really building a business from the ground up where they're focused on the non-accredited investor.

'It was a nightmare working with banks,' Costanzo said. 'It was bureaucratic and tedious.' Costanzo then reached out to Groundfloor…. Groundfloor allows developers, homebuilders and remodelers like Costanzo to crowdfund money from online investors across the U.S. — similar to how startups raise funds on Kickstarter to manufacture new products. Within a couple of weeks, Costanzo, a former wealth manager, raised $100,000 from 130 investors through Groundfloor….'They just make it happen,' Costanzo said. “It seems more efficient and faster than a bank.

Browse Our Current Investment Opportunities

11.0 %
12 mo.
Projected Term
70.0 %
Loan To ARV
9 Exeter Street

What Other Real Estate Investors Have To Say

Michael Olander

Traditionally only high net worth individuals and a small select group of people would have access to something like this. Now through Groundfloor everybody can participate in this and earn these returns....I really feel like Groundfloor is at that inflection point right now - it is really about to come together and just take off.

Merrill Mason

The unique 'crack the code' idea is they've given the ability for every person that wants to participate in these sort of fundings. So if there's someone who's unaccredited who feels there's money to be made, now there's a way for them to do it that wasn't there before Groundfloor.

Michael Goodmon

Watching other crowdfunding platforms, what was really missing was how can I do crowdfunding but also make a really good investment at the same time? How can I crowdfund into something where I have collateral, and I have security, and I have confidence of repayment? Make it less of a social tool and more of an investment tool, or a yield tool for those who might not be able to access what institutions can access - I think that's the true power of Groundfloor.

Serguei K

No retail guys have been able to venture into bond offerings....If Groundfloor proves successful in the real estate space, what they have developed will apply to the whole bond universe. They have the right idea at the right time, and they're fighters.

John Austin

In the last 5 years we've had 150 companies come through NC Idea Labs, and Groundfloor is probably one of the top three or four companies that we've worked with. Groundfloor has built a platform that they can expand upon as they see other opportunities. They're disrupting an industry that has hundreds of billions of dollars of opportunity.

Jason Widen

Groundfloor makes borrowing, transparent, fast and easy, so that I can do the things that I'm good at in making money and developing property. As the founder of HQ and someone that's around 300+ start-ups, Groundfloor is definitely one of the top companies that we've worked with.

Mark Easley

From day one, Groundfloor has had the important philosophy that they're going to enable the retail investors in this space, and there are very few people doing this, so it is a competitive advantage...This is more difficult to do, and takes more time, but once it works, then the sky's the limit, because everyone in the US can do this kind of investing....I've invested in a lot of companies, and we don't often come across one that has this kind of scale factor to it....The potential for this turning into a really high scale business is absolutely there - that's what I like about Groundfloor, and I think that's what the other investors like about it too.

Dan Ciprari

What drew me to Groundfloor was that I could invest as much as I wanted and I could diversify that across a bunch of smaller investments.

Daniel Roth

With Groundfloor I could get a higher yield with less effort than in the stock market.


I've invested in other crowdfunding platforms that invest in unsecured credit card loans, and I was excited to see that Groundfloor has secured loans with collateral behind the properties.

Mark Crites

I like with Groundfloor that you can see the asset - you know what you're investing in. When you compare that to a Lending Club, the backbone of their assets...are significantly more risky. A hard asset, real property, versus intangible, unsecured credit card debt - it was an easy comparison.

Richard Nailing

Groundfloor has returned 10.5% over time. My broker would freak out if he knew how well I am doing with this - he'd say, "This is much better than a lot of the things I've given you."

John Mangham

With Groundfloor, I saw that the cost of capital could be substantially less than a hard money loan. And that was significant. Groundfloor's team gets what the borrower needs.

Danesha Palmer

I was pretty amazed with Groundfloor - the points were awesome, the down payment was awesome.

Sherry Bailey

Groundfloor was super easy to work with. The follow-up is so great. They are always there, and always on it.

Jeff Seal

My preferred lender is always Groundfloor. What attracted me to Groundfloor was their understanding of cash flow to an investor.

Nick Borth


I decided to invest in GROUNDFLOOR because it gives me the ability to invest & make money in the rebounding housing market, without the large-scale capital requirements, time requirement, and managerial overhead of being a direct real estate investor and developer. Groundfloor allows you to take part with a relatively low cost of entry. Further, I like being able to understand how the funds will be spent, and who will be spending them…. The return is attractive, and the investment terms are short enough to where you don’t have to be without the liquidity for too long.

Alex Hill


Groundfloor makes investing in real estate a simple process. With a minimum investment size of $10 per project, it is easy for me to diversify my capital investment, while being able to quickly filter through project options to find what best fits my strategy. The process of investing through Groundfloor has been very smooth, and I look forward to enjoying continued investments and returns in the future. I would definitely recommend the Groundfloor platforms to anyone looking to invest in real estate assets or make a superior return on their capital.

Dan Cooper


I like having the ability to invest in real estate without having to make either a massive commitment to a single property or trust a vague portfolio of properties selected by someone else.

Adam Ailion


"My first GROUNDFLOOR project, which had 100% equity, was denied funding from a bank and a credit union since I owned the property for less than 6 months; I couldn’t even get a home equity line with my 740+ credit score! Thankfully Groundfloor arrived. The project funded relatively swiftly and the loan underwriting was timely and much smoother than what I’ve experienced at large banks. Loan servicing and post-closing support were also responsive and they were prompt to make payments on any construction draws."

Steve Brock


"Groundfloor’s innovative approach to real estate financing is proving to be an effective way for us to keep pace with rising demand in our communities. I was blown away by how quickly and easily we were able to fund a project--it took less than 36 hours on our first deal."

John Mangham


"We will defintely be using Groundfloor again. Groundfloor investors have become a meaningful part of our financing and business strategy. In addition to providing funds for our projects, we blieve that our cost of capital and fundraising timeline will decrease over time."

How Does It Work?

for individual investors

get started

for house flippers & real estate developers

get my rate