Invest in Groundfloor

True to our mission, Groundfloor has now opened the opportunity for everyone to own a part of the platform. Why should VCs get all the upside? Now, instead of just owning a piece of our loans, you can own a piece of Groundfloor itself as well.

Amount Invested
Next Closing
March 23rd*
Deal Terms
Type of Security Common Stock
Valuation Pre-Money Valuation $28 million
Maximum Offering Amount $5 million
Minimum Investment $100
* Equity Investments are closed every Friday. Your investment documents are posted to your dashboard the following Friday. You must have funds in your account at the time you make your purchase. If you do not have funds in your account you will be given the opportunity to add funds after you click Invest.
  • Our Mission
  • How Groundfloor Works
  • Key Facts
  • Groundfloor in the News
  • Testimonials
  • Groundfloor in Detail
  • Meet The Team
  • Investor Benefits
  • Ask The Founders
  • Comments
  • Updates
  • Risks & Disclosures
  • Offering Circular

Our Mission

Groundfloor began with a vision for how the personal capital of millions could be put to work on a broad scale in radical new ways, to dramatic effect. A vision to disrupt the world of private market securities and real estate investing, opening it up to the public. And by “the public,” we mean all of us, as in “everyone with ten bucks.” Kind of like “the people” from “we the people”. Everyone.

We thought we all deserve a shot, not just the top 5%, the so called "accredited investors" who with Wall Street and the Banks previously kept these high yield investments to themselves.

And once inside the club, these average Americans have done pretty well for themselves. Through investing in these fix and flip real estate loans, Groundfloor investors have earned over 14% per year. That’s 50% better than they would have made in the stock market that year, and over 1000% more than they would have made socking their money away in a CD or savings account. Turns out “we the people” can do a pretty decent job making a nice return on our money in the private markets if we just have access to the same investment opportunities previously reserved for the select few accredited investors among us. And beyond the solid returns, the investments have the added benefit of being collateralized, secured by the underlying real estate asset with a first lien position..

How Groundfloor Works

Thousands of regular Americans have invested millions of dollars in Groundfloor’s crowdfunded real estate loans, which connect investors, a.k.a. regular people, with real estate developers who want to borrow funds to purchase, renovate and sell houses at a profit.

Example of a $100,000 Loan With a 11% Return
2015-2017 Market Comparison

Key Facts

Historic SEC Qualification

Now no one said beating the system would be easy, and getting here required a historical regulatory milestone with the Securities and Exchange Commission. In 2015, Groundfloor became the first real estate direct issuer that the SEC ever qualified.


Demand is so strong, our loans often sell out in minutes. We’ve originated over 417 loans worth over $54 million.

Loans Originated
Loan Origination Volume ($)
Our Loans Often Sell Out in a Matter of Minutes


Our results have been strong. We have grown at a 219% compound annual growth rate over the past two years.

Quarterly Investment Activity

Groundfloor In The News

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 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.


What Institutional Investors Say About Groundfloor

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 Kouzmine

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.
What Individual Investors Say About Groundfloor

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."
What Borrowers Say About Groundfloor

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.
What Real Estate Brokers Say About Groundfloor

Jeff Seal

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

Groundfloor in Detail

The landscape

Under U.S. Securities law, only accredited investors have access to the diversification, risk-adjusted returns & control available via private market offerings. That’s why we created Groundfloor. We identified a large, lucrative initial private debt market and structured a simple investment security allowing everyone to access it directly and efficiently.

Competitive Differentiation

We offer a higher yield, on a shorter time horizon, for lower fees at less risk than any other publicly available investment. That’s why thousands already use Groundfloor to build custom portfolios of real estate loans $10 to $10,000 at a time.

Comparable Online Investment Products

Our History

Nick and Brian found Groundfloor in Raleigh NC
Groundfloor moves headquarters to Atlanta
Groundfloor offers first loans under Georgia Intrastate Pilot Program
Groundfloor acheives historic SEC qualification
Groundfloor expands beyond Georgia and accepts investors from 9 states plus DC
Groundfloor surpasses $10 million in origination volume for the first time in a single year
Groundfloor announces $100 million partnership with DAC, increasing lending capacity
Groundfloor increases loan size up to $2 million
Groundfloor offers balloon and monthly payment loans
Groundfloor begins Loan Origination Network to allow brokers to source loans

Our Value to Investors


Groundfloor investments return 13.6% annually on average


Investors who include real estate in their portfolios outperform those who don’t. Yale’s endowment portfolio, which includes 20% diversification in alternative investments including real estate, has outperformed a stock and bond-only portfolio by about 90%.


You can build your portfolio with different loan grades. Loans are available at different grades, returning from 7% to 26%.

Short Term

Groundfloor loans typically have just a 6-12 month term, so you're not locked in for years.


Groundfloor loans are secured by the underlying real estate asset, and the company holds a senior lien on the majority of properties.

Open to Everyone

Groundfloor is open to everyone, not just accredited investors. Until now, investments like these have been out of reach of the average investor, open to only high net-worth investors and hard money lenders.


Opening this kind of real estate investment to the masses is a groundbreaking achievement. Groundfloor was the very first issuer to be qualified by the Securities Exchange Commission to sell investment securities to the public under the new Regulation A rules of the JOBS Act. Our first offering was qualified on August 31, 2015.

High Underwriting Standards

We approve only 5% of the loans we screen. Our team uses industry-leading practices, including a proprietary underwriting system. 2

Deep Real Estate Expertise

The Groundfloor team has over 100+ years of experience in the mortgage industry, with executives from companies like Prudential. The team also has deep legal and regulatory experience.


We put our money where our mouth is, and we are so confident in our underwriting standards that we actually pre-fund most of the loans we offer.

Smart Platform

We put our money where our mouth is, and we are so confident in our underwriting standards that we actually pre-fund most of the loans we offer.


We use bank-rate security for your protection, encrypting with an AES 256 bit symmetric key.

Our Value to Borrowers

Investor who include real estate in their portfolios out performthose who don't. Yale endowment portfolio, which includes 20%

Rates starting at
Fix-and-flip hard money loans from
$75,000 to $2,000,000
for residential properties
(not-owner - occupied)
Closing as fast as
15 Days
Monthly Payments
Balloon Payment
at maturity date
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 & Simple Application
with minimal documentation (no tax returns, no bank statements on loans under 500k)

Our Recent Deals

Groundfloor has sold over 417 loans. You can browse some of our recent loans below:

10.5 %
9 mo.
Projected Term
80.6 %
Loan To Value
2805 Franzia Drive
6.9 %
12 mo.
Projected Term
13.4 %
Loan To Value
209 East Osterhout Avenue
11.0 %
12 mo.
Projected Term
49.2 %
Loan To Value
1282 Golf Link Drive

Results to date

Groundfloor has originated over $54 million in loans, and has generated over two million in total revenue. Our retail investment volume has grown at a 219% CAGR over the past two years.

Net Revenue
Loan Origination Volume ($)
Quarterly Investment Activity

Loan Performance Data

Since Groundfloor started, only 2 loans out of the total loans repaid have been subject to fundamental default (just 0.3% of total loan value repaid). Over 80% have been current at the time of repayment.

Lifetime total loans repaid ($)
Lifetime Total Loans Repaid

The Future

Groundfloor has begun with the real estate fix and flip market - a $40 billon dollar market in the US annually. In the future, we will expand in adjacent markets like multifamily acquisition and renovation, and non-bank new construction, which will greatly expand the market size addressed by Groundfloor.

How we will use this funding

Demand is greater than supply, and our loans often sell out in minutes. In addition to allowing Groundfloor to expand into adjacent categories, this funding will enable us to continue to grow our sales and lending operations teams so we can continue to offer more loans and supply our investors’ demands for these high return investments.

Meet The Team

Brian Dally
Co-Founder & CEO

Brian is a co-founder and director of GROUNDFLOOR and serves as our CEO. He is responsible for marketing as well as setting long term direction and goals for the company. more

Nick Bhargava
Co-Founder & EVP Regulatory Affairs

Nick is a co-founder and director of GROUNDFLOOR and EVP Regulatory Affairs. He leads product development and is responsible for regulatory strategy. more

Chris Schmitt
VP Software

Chris writes code. Lots of it, quickly. And it works. He drives software development and technology for GROUNDFLOOR. more

Rich Pulido
SVP, Head of Lending and Risk Management

Rich is the Senior Vice President of Real Estate Operations. He is responsible for designing and building systems and processes critical to the origination, underwriting, closing, and servicing of commercial loan assets. Rich's scope spans individual loans to the entire portfolio. He strives to ensure Groundfloor's investors and borrowers have p... more

Debora Valentine
SVP Business Development

She is an accomplished and experienced leader with 25+ years of experience and a proven record of increasing sales and profits in the Consumer Finance sector. During her stellar career, Debora has worked for companies such as National City Bank, PCFS/Provident Bank, & Ford Consumer Finance. more

Rhonda Hills
SVP Marketing

Rhonda Hills is Senior Vice President of Marketing, responsible for driving engagement and revenue growth for the Groundfloor. Rhonda has spent her career building internet based supply and demand marketplaces. more

Glenn Gilbert
Director of Asset Management

Glenn serves as our Director of Asset Management. Glenn is a construction and finance attorney from Australia who relocated to the United States in July 2012 and to assist with the establishment of a US based property company that primarily specialized in the acquisition, renovation and sale of US single family homes to investors in Australia an... more

Patrick Donoghue
Director of Lending Operations

Patrick Donoghue has served as Director of Lending Operations for Groundfloor since January 2016. Prior to this Patrick served as Senior Associate for RevitaLending where he worked to optimize the firm’s capital market structure and proliferate the loan growth model. As VP of Wholesale Operations for ACC Mortgage Patrick managed the entire loan ... more

Kathy Calderini
National Sales Manager

Kathy is our National Sales Manager. With our Customer Experience as a priority, Kathy is developing and training our Business Development Managers to engage w/ with our Borrowers and Brokers. more

Meet The Board

Bruce Boehm

Bruce Boehm has served on our Board of Directors since December 2014. Mr. Boehm is an active angel investor in the Raleigh-Durham area and advisor to several specialty investment funds. more

Michael Olander Jr.

Michael Olander Jr. has served on our Board of Directors since December 2014. Since its inception in 2005, Mr. Olander has served as CEO of MDO Holdings, LLC, a diversified holding company which includes MDO2 Fitness, LLC which owns and operates 28 health clubs under the names O2 Fitness and East Shore Athletic Clubs. Mr. more

Richard (“Rick”) Tuley Jr.

Richard (“Rick”) Tuley Jr. has served on our Board of Directors since December 2014. Mr. Tuley has over 25 years of experience in new home construction, lot and land development for multiple Fortune 500 companies, retail development, residential redevelopment, property management and long-term investing. He previously worked for the real estate ... more

Brian Dally

Brian's 15 year career building disruptive technology startups spans stints in Silicon Valley, Boston, London and the North Carolina Triangle region. Previously, he led the launch of Republic Wireless to take on the big four cellphone carriers to international acclaim. As a result, millions more Americans can now afford a smartphone. more

Nick Bhargava

An expert in securities law, Nick was heavily involved in the JOBS Act as an early pioneer who advanced the concept of crowdfunding. Nick and Brian met through Groundwork Labs in the Triangle-area startup hub the American Underground. His years in finance have included work for the Financial Services Roundtable, SEC, FINRA, TD Waterhouse and RBC... more

Serguei Kozumine

Serguei Kozumine has served on our Board of Directors since December 2015. Mr. Kozumine is a self-made entrepreneur, executive and turnaround specialist with an outstanding 20+ years track record of building, growing and bringing success to various high-technology, financial, and commodities businesses. During this tenure, he has founded, owned ... more

John J. Healy Jr.

Co-Founder and Principal, Hyde Street Holdings, LLC. (“HSH”), est. 1996. more

Current Shareholders

Since 2014, Groundfloor has raised $7.6 million in equity capital from individual angel investors and the following institutional investors:

Fintech Ventures invests in emerging potential leaders and quality niche players in the non-banking lending, payments, and insuretech spaces.

A subsidiary of the Capitol Broadcasting Company, American Underground is a campus for entrepreneurs, startups, innovators, and investors to build companies in digital products and more.

MDO Holdings is focused on investment opportunities in which we take an active role and become a value-add partner. We invest in a wide range of companies, concerned foremost with finding the right cultural fit for both MDO Ventures and the organization. We strive to cultivate professional, long-term relationships with our partners, further improving the likelihood they will succeed and grow.

Part of the Inception Micro Angel Funds network, IMAF-RTP is a member-managed seed stage angel capital fund designed to capitalize on the growth in entrepreneurial activity and venture financing, primarily in the Research Triangle Park area of North Carolina, greater North Carolina and in selective areas of Virginia and South Carolina.

Investor Benefits

No investor fees for life *

Access to exclusive loan investment offerings for shareholders

Invitation to attend annual Groundfloor shareholder events

Get your choice of official Groundfloor company gear.

* “Fee-free” benefit excludes third-party fees charged by Groundfloor on behalf of our partners, for example but not limited to IRA custodial fees and payment transfer fees, and also excludes all loan origination or servicing fees charged in connection with borrowing from Groundfloor. To be eligible for the fee-free benefit a minimum of $2,500 must be invested from a single Groundfloor account. Investments from multiple accounts cannot be combined to earn the fee-free benefit. Fee credits will only be awarded to qualifying accounts. Additional accounts are not eligible unless a qualifying investment is made in that account.

Ask The Founders A Question

What is this offering?

Groundfloor is now raising our next round of funding. This financing will be used to advance continuing development and operations of the company, and to allow us to grow our sales and lending operations team as we scale the business, so that we can continue to satisfy more and more consumer demand for our real estate investments.

How is investing in this offering different from investing in a Groundfloor loan?

Groundfloor loans are a form of debt issued for the purpose of funding a real estate development project. Your investment plus interest is due to be repaid within a stated timeframe, usually less than one year. By contrast, this offering is an opportunity to purchase stock in Groundfloor itself.

How or when will I receive a return on my investment?

In general, stockholders in a company can receive returns through dividends, an acquisition or other corporate transaction, by selling shares individually on a private basis, or trading shares should the company list on a public exchange (“IPO”). Potential investors in Groundfloor are advised that the company has never paid a dividend and has no plans to do so in the near future. There is currently no market for selling shares in the company, and shares may never be listed on a public exchange. Investors may not realize any return on their investment, or may realize a return only after an extended and indeterminate amount of time.

When will it start and end?

Following a preliminary period during which we accepted indications of interest and reserved shares for prospective investors, the offering started upon its qualification by the U.S. Securities and Exchange Commission on February 12, 2018. No end date has been set, but we reserve the right to end the offering at any time.

What is the price and valuation?

We have established a price of $10 per share, which represents a market capitalization for the company prior to financing ("pre-money valuation") of approximately $28 million.

Are there any special benefits to being a Groundfloor shareholder?

Yes. Shareholders will have access to shareholder-only loan offerings. Shareholders who purchase 250 shares or more will enjoy fee-free* investing for life on IRA and taxable Groundfloor investor accounts (*certain third-party IRA custodial fees and third-party transaction fees excluded). We’ve also added some fun extras such as shareholder-only events and official Groundfloor company gear.

How will the capital be used? What are Groundfloor's expansion plans?

The capital will be used to fund our operations for further expansion in several ways. Soon, Groundfloor will be expanding geographically, accepting investors from all 50 states. We will also be growing the team - on the lending side to enable us to originate more loans, and on the technology side so we can continue to add more features and functionality to the Groundfloor platform.


When Groundfloor was just getting started five years ago, critics and cynics objected with what we nicknamed “the Groucho Marx problem” -- i.e. the idea that no borrower we wanted would ever accept a loan from us. We’ve been lending for four years now, and lending extensively in non-Atlanta area markets for just over two years of that time. As our 2017 Year In Review indicates, volume has grown significantly.


January 21, 2018

All of us at Groundfloor are excited about our plans for 2018. Before the new year gets too much further underway, though, let’s take a look back at the progress the company made in 2017. From total investments and interest paid to loan originations and principal repaid, 2017 was another record year that set the stage for more to come. Check out our graphical summary below to put it in perspective.

Today we’re pleased to announce that Groundfloor’s product offering has been qualified by the U.S. Securities & Exchange Commission under Tier II of Regulation A. This is an important milestone not only for us as a company, but for individual investors nationwide as well.

In July, we published an analysis quantifying the effect diversification had on the range of returns realized in the portfolios of over 2,400 Groundfloor investors up until that time. With 2017 now behind us, we’ve updated and enhanced that analysis. The data now includes 2,950 portfolios, with over 209 loans repaid representing $21 million in principal invested.

Risks & Disclosures

Investing in startups is not without risk. There are risk factors you should consider before deciding to invest. We are a young company with limited operating history. Our business is premised on being able to successfully originate real estate loans and sell corresponding investments. We may be affected by economic cycles we cannot control. We must be able to expand into other markets successfully. For a complete discussion on risks, please see page 8 of our Offering Circular. .

Offering Circular

All of the terms, conditions, and other details of our offering can be found in our Offering Circular . This should be read in with the Subscription Agreement and the Voting Agreement . You do not have to print out or otherwise manually sign these documents. They will be automatically filled out for you when you invest and will be available for your records in your dashboard.

[1] Groundfloor returns are based on the actual dollar-weighted average annualized returns realized on all loans originated by us that were repaid in calendar years 2015, 2016 and 2017. Comparable yields on the one-year Treasury note and the national average for one-year Certificates of Deposit were sourced on February 19, 2018 from and as of that date and December 29, 2014 (2.00% for the current 1-year Treasury note, 0.25% for the 1-year Treasury note three years ago and 0.27% for the average 1-year CD three years ago).
Not an offer of securities. Securities may only be offered to residents of states where Groundfloor has given notice of its intent to sell securities under Tier 2 of Regulation A. Please read the Offering Circular, Voting Agreement, and Subscription Agreement on Groundfloor's website for complete details.