Why Groundfloor?

  • Rates starting at 5.5%

  • Fix-and-flip hard money loans from $50,000 to $2,000,000 for residential properties (not owner-occupied)

  • Closing as fast as 15 days

  • No payments during term of loan

  • All points can be rolled into the loan

  • No personal guarantee required

  • Lend up to 70% ARV (after repair value)

  • Borrow up to 90% LTC (loan to cost)

  • Fast and simple application with minimal documentation (no tax returns, no bank statements)

*Tax returns & bank statements are required for loans above $500,000 A full list of our rates and fees can be found here.

Get A Rate Quote Now

Get prequalified today and find out why NPR calls Groundfloor ‘Innovative” and why USA Today said developers have embraced Groundfloor.

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Groundfloor In The News

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

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

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What Other Real Estate Investors Have to Say

Is Your Project a Good Fit for Groundfloor?

  • residential property: single-family or 1-4 unit.
  • no owner-occupied, multi-family, land, new construction or blanket properties.
  • loan between $50,000 - $500,000
  • borrower operates under an active LLC or Corporation
  • groundfloor will hold a senior lien position
  • located in a state in which we actively lend
  • principal's credit score is above 640
Map of states Groundfloor lends to

How Groundfloor Fix & Flip Loans Work

1 | APPLY

  • Simple online loan application
  • Complete at your convenience
  • Get your rate in minutes

Finance your next residential real estate project with Groundfloor. Applying for a loan is simple. Complete our online application and see your rate quote in just one click. Once your application is complete and submitted, our Lending Operations Team will connect with you to review your project and discuss details.

2 | FUND

  • Thousands of investors funding loans
  • Quick closing and access to funds
  • No monthly payments

Get funding fast. Once approved, we list your loan on our site and alert our community that a new loan is available for investment. Thousands of investors have the opportunity to fund your loan.

When your loan is fully funded by Groundfloor investors, our Lending Operations Team will coordinate closing of the loan.

3 | FLIP

  • Simple draw process for finished work
  • Complete the renovation, sell the property
  • Repay your Groundfloor loan

Access funds efficiently. Submit draw requests throughout the life of the loan. Groundfloor wants your project to succeed and reimburses you for completed works using an efficient draw process. Complete construction with no required monthly payments. Without the burden of monthly interest payments you can focus on completing your project.