• Rates Starting At 5.5%

  • Points Rolled Into Closing

  • True Deferred payments - NO payments until loan repays

  • Loan Between $75,000 - $1,000,000

  • Up to 100% Loan-to-Cost, Depending On Experience

  • Up to 75% Loan To After Repair Value

  • 6, 9 and 12 month terms

  • No Minimum Transaction Experience Required

  • 5 Year Look Back For Experience

  • Principal's Credit Score Is Above 600

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

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

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…

'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.

What Other Real Estate Developers Have To Say

Danesha Palmer

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

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.

Sherry Bailey

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

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

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

John Mangham


"We will definitely 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 believe that our cost of capital and fundraising timeline will decrease over time."

Is Your Project a Good Fit for GROUNDFLOOR?

  • Residential property: single-family or 1-4 unit.
  • No owner-occupied, multi-family, land, or blanket properties.
  • Loan between $75,000 - $1,000,000
  • Borrower operates under an active LLC or Corporation
  • GROUNDFLOOR will hold a senior lien position
  • Located In A State In Which We Actively Lend

How GROUNDFLOOR Fix & Flip Loans Work


  • 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 initial rate quote in just one click. Contact us at (404) 850-9224 if you have any questions about the application process or your initial rate quote.

2 | FUND

  • Close as fast as 5 days
  • True asset based lending
  • Defer payments for up to 1 year

Once your application is complete and submitted, our Lending Operations Team will connect with you to review your project and discuss the details. Once approved we will coordinate the closing and immediately fund your loan. Later, your project will be financially backed by thousands of GROUNDFLOOR investors.

3 | FLIP

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

Access funds efficiently with draw requests throughout the life of the loan. When you choose a Deferred Payment Loan, you make no payments until you sell or refinance the property. GROUNDFLOOR wants your project to succeed and gives you the cash in-hand to complete your project.