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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.



Own a piece of GROUNDFLOOR

Since 2018, 5,000 shareholders have invested over $16 million in GROUNDFLOOR to help fuel our continued growth and deliver on our mission to democratize real estate investment for the masses.

We have partnered with SeedInvest to launch our first-ever open preferred equity raise. To learn more about this unique opportunity to buy stock in GROUNDFLOOR, go to  seedinvest.com/groundfloor or reach out to our Investor Services team with questions at support@groundfloor.us.

Click here to learn more

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







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How does GROUNDFLOOR work?

How It Works


  • 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 6, 9 and 12 month loans to real estate investors for 1-4 Unit Properties in AL, AR, AZ, CO, CT, DC, FL, GA, IL, KS, MD, MA, MI, MN, MO, NC, NV, NH, NJ, OH, PA, RI,  SC, TX, UT, VA, WA, and WI.

  • We offer up to 90% Loan-to-Cost, depending on experience and true deferred payments - NO payments until loan repays.

  • We are currently accepting loan applications and closing loans in as little as 3 weeks. Click here for our lending FAQs or email borrowers@groundfloor.us  with any questions. 





  • 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.