Get Started With GROUNDFLOOR

WE WERE BUILT FOR TIMES LIKE THESE

GROUNDFLOOR was born out of the belief that there is a fundamentally better way to capitalize America. Banks and Wall Street can’t be trusted to do it, but your fellow Americans can. We believe that a critical mass of individual investors can make a difference, keep capital flowing, and therefore keep an important part of our economy moving. Concentrating capital allocation among the few unnecessarily constricts liquidity in times of stress. When lending is financed through millions of individual decisions, we are free.

We believe in freedom. Freedom to participate in an asset class that is otherwise inaccessible to the general public. Freedom to make your own investment choices based on your own criteria. Freedom to manage your own liquidity and risk as you see fit. Freedom to put your earnings towards the priorities that matter most.

Freedom is the foundation of America. Shouldn’t it be the foundation of our financial system too? We think so.

THE GROUNDFLOOR STIMULUS PROGRAM

In response to the current crisis taking hold of financial markets, we have launched the GROUNDFLOOR Stimulus Program to ensure real estate entrepreneurs have the financing they need to keep their projects and businesses going.

GROUNDFLOOR will add an additional 4% interest bonus for 90 days for every investment in qualifying loans made retroactively to February 26th and continuing through at least May 31st. Whether you've already invested or are investing for the first time, now’s a very lucrative time to start building or expanding your portfolio.

Click here for more details.

BUILD WEALTH THROUGH REAL ESTATE LENDING

GROUNDFLOOR is a wealthtech company that offers high-yield, short-term, real estate DEBT investments to the general public.

Unlike other real estate investment platforms where investors own an equity stake in real estate property through eREITS or other types of funds for 3-5 year terms, our investment options are based on secured, collateralized real estate debt with shorter 12-18 month terms. Debt products inherently carry less risk, which is why we’ve been able to generate consistent 10%+ returns for our investors over the past six years, with repayments received in 6-9 months on average.
Read our latest portfolio and diversification analysis .

Even in a prolonged downturn with extended terms, we still believe our investments provide an attractive return with a high degree of liquidity and relatively low volatility - especially compared to the performance of other financial markets and asset classes during this crisis period. All without giving up the freedom to decide for yourself whether and in what to invest. Learn more about how GROUNDFLOOR is different.

'An Atlanta-based company is keenly aware of the resurgence — and has come up with a new way for flippers to borrow for their projects, while giving individuals a way to invest small amounts of money.'

'[GROUNDFLOOR] created a unique financial product for individual investors that allows both non-accredited and accredited investors to participate directly in real estate investment loans on a fractional basis. Essentially, they made the higher returns of real estate investing available to regular people who previously did not have access. But this was not an easy business to start.'

Disruptors show the way by bringing investments that are easier to understand and more purpose- and passion-driven, both of which are highly appealing to millennial investors. You can now invest in ‘fix and flip’ real estate investments via companies like Groundfloor, Lending Home, and PeerStreet. They allow investors to lend money to ‘fix and flippers’ who buy a home, renovate it and sell it at a higher price.

'Groundfloor is unusual in that its mission opens real estate investing to the general population...[Investors] see it as a viable way to quickly raise cash for a project — the historic renovation deal closed in five days — and to fund projects that banks either don't fund or review for months before making a loan.'

LOOKING FOR FINANCING?

GROUNDFLOOR is the only direct lender offering crowdsourced capital for short-term residential real estate loans. As a result, we are not reliant on traditional financial institutions for our lending capital, and can continue financing deals through this crisis.
GROUNDFLOOR is currently offering 12-18 month loans to real estate investors for 1-4 Unit Properties in GA, FL, NC, SC and AL.
In light of market and COVID-19 dynamics, GROUNDFLOOR has made temporary changes to our lending standards and policies. While we are open for business and accepting loan applications, please plan ahead knowing that realistic closing time frames may be delayed significantly . Click here for our interim lending FAQs or email borrowers@groundfloor.us with any questions.

WHY GROUNDFLOOR:

GROUNDFLOOR was founded on the idea that private capital markets should be open to individual investors, regardless of their wealth or financial status. As a result, we are not reliant on traditional financial institutions for our lending capital, and can continue financing deals and offering new investments on the platform, even in times of crisis.
Real estate remains a strong alternative investment with growth & upside. There already is a shortage of residential housing in the US, and the current environment will put downward pressure on the real estate properties that our real estate developers seek. This will create demand for financing, which will create more investment opportunities for you.
We have the in-house expertise to manage through these troubling times. Collectively, our executive and management teams have over twelve decades of experience in real estate. Multiple members have been through prior economic and real estate downturns. Rest assured that we have experienced crisis conditions before, and we have the tools and expertise needed to get through this one as well.
In times of capital scarcity, loan quality actually increases. During downturns, only the strongest real estate developers have the liquidity and confidence to make moves in the market, resulting in loans on the best properties, with the best developers, with even less risk to investors over the long term. A win-win for all.

OFFERINGS FOR SECURITIES UNDER REGULATION A ON THIS WEBSITE ARE CURRENTLY OPEN TO ALL US RESIDENTS WHERE THE ISSUER HAS FILED STATE NOTICE.

The information on this website does not constitute an offer to sell the limited recourse obligations (or “LROs”) identified herein in any state or jurisdiction in which the issuer is not qualified to do so. Securities are offered and sold under Regulation A of the Securities Act of 1933 (“Regulation A”) only to investors who are residents of the states in which Groundfloor Finance Inc. (“Groundfloor”) has either qualified an offering statement under Tier 1 of Regulation A or made notice of its intent to offer and sale securities under Tier 2 of Regulation A. [Groundfloor, or its affiliates, may also offer securities to accredited investors. Investors who believe they qualify as accredited investors may access additional information about these offerings here. ]

Groundfloor has filed offering circulars and post-qualification amendments (or “PQAs”) (including supplements to such filings) with the Securities and Exchange Commission (the “SEC”) covering the current offering of LROs. An investment in LROs entails risk of loss, and you may lose all or part of your investment. Each investor should carefully consider the risk factors and other information discussed in the qualified offering circulars/PQAs (and current supplements, if any) before purchasing LROs:

THE COMMISSIONER OF BUSINESS OVERSIGHT OF THE STATE OF CALIFORNIA DOES NOT RECOMMEND OR ENDORSE THE PURCHASE OF THESE SECURITIES.

Offerings by Groundfloor

Groundfloor (LROs)

GRE1 PQA 3

GRE1 PQA 4

Offering Circular

A copy of these materials may also be obtained for free on the SEC’s website at www.sec.gov

Some statements in the offering circulars/PQAs and on this website may contain forward-looking statements and are based upon current expectations, plans, estimates, assumptions and beliefs that involve numerous risks and uncertainties. Although Groundfloor believes that the expectations reflected in such forward-looking statements are based on reasonable assumptions, actual results and performance could differ materially from those set forth in the forward-looking statements. You should consult with your own attorneys, accountants, and other professional advisors prior to making an investment.

The information on this website does not constitute an offer to sell or a solicitation of interest in any LROs that may be qualified in the future. No money or other consideration is being solicited with respect to any LROs that have not been duly qualified, and if sent in response, will not be accepted. No offer to buy any LROs that have not been duly qualified can be accepted and no part of the purchase price can be received until an offering circular/PQA covering such LROs has been qualified by the SEC. Any such offer to buy unqualified LROs may be withdrawn or revoked, without obligation of any kind, at any time before notice of its acceptance is given after the date of qualification. An indication of interest in our offerings involves no obligation or commitment of any kind.

The information above presents a general summary of the business and the purpose and principal business terms of an investment in LROs. This summary does not purport to be complete and is qualified in its entirety by reference to the more detailed discussion contained in the offering circulars/PQAs.

Articles or information from third-party sources outside of this domain may discuss Groundfloor (or its affiliates) or relate to information contained herein, but Groundfloor and its affiliates do not approve and are not responsible for such content. Hyperlinks to third-party sites, or reproduction of third-party content, do not constitute an approval or endorsement by Groundfloor or any of its affiliates of the linked or reproduced content.

Neither the SEC nor any state securities commission or regulatory authority approved, disapproved, endorsed, or recommended the merits of the offering described in the offering circulars/PQAs or reflected on this website.

Groundfloor’s services do not constitute “crowdfunding” as described in Title III of the Jumpstart Our Business Startups Act (“JOBS Act”).

WE WERE BUILT FOR TIMES LIKE THESE

THE GROUNDFLOOR STIMULUS PROGRAM

BUILD WEALTH THROUGH REAL ESTATE LENDING

What The Press Has To Say About GROUNDFLOOR

HOW DOES IT WORK?

Example of a $100,000 Loan With a 11% Return

LOOKING FOR FINANCING?

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