Why Groundfloor?

Start Earning Over 10% on Average1

  • Returns: Groundfloor investments return over 10% annually on average. 1

  • Diversification: Loans are available at different grades, returning 5% to 25%. You're in control and get to choose the specific loans you want to invest in.

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

  • Secured: Groundfloor loans are secured by the underlying real estate asset.

  • Open to everyone: Groundfloor is open to everyone, not just accredited investors.

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

  • Confident: We are so confident in our underwriting standards that we actually pre-fund most of the loans we offer.

Browse Some of Our Investments

c
6eda15d69038920112e3ed4724f1aa85d0b7c1f8
11.0 %
Rate
12 mo.
Projected Term
77.1 %
Loan To Value
341 Highland Avenue
c
E3281501b6bbd5eb9a2513a7d0a3a43ff5b0505c
11.0 %
Rate
12 mo.
Projected Term
63.9 %
Loan To Value
62 Cottage Lane
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What Investors Are Saying About Groundfloor

Why Groundfloor

Graph showing 12% returns on average

Returns

Groundfloor investments return over 10% annually on average. 1

Graph showing grade and rate breakdown

Control

You can build your portfolio with different loan grades. Loans are available at different grades, returning from 5% to 25.5%.

*Rate of return varies based on length of loan. Groundfloor offers 3, 6, 9, and 12 month loans, with the highest returns on the 12 month loans.
Secured Home

Diversification

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%.

https://www.bloomberg.com/news/articles/2015-10-06/yale-endowment-model-thrives-as-swensen-proteges-post-top-gains
Short Term

Short Term

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

Secured Home

Secured

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

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.

Groundbreaking

Groundbreaking

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.
50% Prequalify - 25% Pass Due Diligence - 5% Fund

High Underwriting Standards

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

Harvord Law, Harvord Business, Duke Law, University of Chicago

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.

50% Prequalify - 25% Pass Due Diligence - 5% Fund

Confident

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.

Investor Dashboard

Smart Platform

Investors can track investment progress and get updates on the progress of each loan and the renovation work taking place.

Secure Computer

Secure

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

How it Works

1 Browse

Browse current projects available for investment

2 Transfer

Transfer funds into your account

3 Invest

Start investing (after the funds clear)

4 Monitor

Use your online dashboard to monitor the progress of your investments, and to get updates on the developers' progress as they renovate each property

5 Payback

At payback, withdraw the funds, or compund the earnings by reinvesting

Browse Investments