# Groundfloor **Source:** https://geo.sig.ai/brands/groundfloor-fi **Vertical:** PropTech **Subcategory:** Real Estate Debt Investing **Tier:** Growth **Website:** groundfloor.us **Last Updated:** 2026-04-14 ## Summary Real estate debt crowdfunding for non-accredited investors; $10 minimum in fractionalized loans on fix-and-flip projects; 8-15% interest on 6-18 month terms; first SEC Reg A+ debt platform. ## Company Overview Groundfloor is an Atlanta-based real estate lending and investment platform that enables non-accredited investors to participate in short-term real estate debt by investing as little as $10 in fractionalized loans on residential fix-and-flip and new construction projects. Borrowers — real estate investors and developers — receive fast bridge loans for acquisition and renovation, while retail investors earn interest rates typically ranging from 8-15% on 6-18 month loan terms. Groundfloor was the first company to receive SEC qualification under Regulation A+ to offer real estate debt investments to non-accredited investors, making it a pioneering platform in democratizing real estate credit investing. The company has originated over $1B in loans and has expanded to offer a savings account-like product (Stairs) that provides higher yields than traditional banks through its underlying real estate loan portfolio. Founded in 2013, Groundfloor has raised institutional funding and grown a retail investor base of over 200,000 users. It competes with PeerStreet and RealtyMogul in the real estate crowdfunding debt market. ## Frequently Asked Questions ### Can non-accredited investors use Groundfloor? Yes, Groundfloor was the first company to receive SEC qualification to offer real estate debt investments to non-accredited retail investors, with a minimum investment of $10, making real estate lending accessible to virtually any U.S. investor. ### What is Groundfloor and how does it work? Groundfloor is a real estate debt crowdfunding platform that allows non-accredited investors to participate in short-term real estate loans. Borrowers (fix-and-flip investors, builders) use Groundfloor to fund their projects, while individual investors earn interest by funding those loans starting at $10. ### What types of loans does Groundfloor fund? Groundfloor primarily funds short-term residential real estate loans including fix-and-flip projects, new construction, and bridge financing. Loans typically have 6–18 month terms and are secured by first-lien mortgages on the underlying property. ### What returns do Groundfloor investors typically earn? Groundfloor loan grades range from A (lower risk, lower yield) to G (higher risk, higher yield). Historical annualized returns have averaged in the 10–12% range across the platform, though individual loan performance varies and past returns do not guarantee future results. ### Is Groundfloor open to non-accredited investors? Yes. Groundfloor is specifically designed to be accessible to non-accredited investors under Regulation A+. This distinguishes it from most real estate debt platforms that restrict access to accredited investors only. ### What happens if a Groundfloor borrower defaults? In the event of borrower default, Groundfloor pursues recovery on behalf of investors, including collection efforts and property foreclosure if necessary. Because loans are secured by first-lien mortgages, investors have a direct claim on the property as collateral. Recovery outcomes vary by loan. ### How liquid are Groundfloor investments? Groundfloor loans are not liquid in the traditional sense—investors commit capital for the duration of the loan term. Groundfloor has introduced a Notes product and secondary market features that provide some liquidity options, but investors should plan to hold positions until repayment. ### How does Groundfloor assess the risk of each loan? Groundfloor underwrites each loan using the borrower's track record, the property's after-repair value (ARV), loan-to-value ratio, local market conditions, and project plan. Each loan is assigned a grade (A–G) reflecting risk, which determines the interest rate offered to investors. ## Tags b2c, fintech, marketplace, platform, proptech, saas, startup, technology --- *Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*