Groundfloor offers a wide variety of investment opportunities on our platform:
The Flywheel Portfolio (our most popular)
Groundfloor provides diverse investment options tailored to different financial goals, whether you're seeking diversification, short-term returns, or predictable investments.
The Flywheel Portfolio is our most popular product, offering instant diversification across hundreds of loans. With a minimum initial investment of $100, you can start enjoying higher returns on a weekly basis.
LROs
Investors can purchase specific, individual LROs based on their risk tolerance. Also with a $100 minimum initial investment, you can start enjoying monthly interest payments.
Groundfloor Notes
Groundfloor Notes are short-term, high-yield investments designed for investors prioritizing quick turnover and predictable returns. Available with terms as short as 1 month, 3 months, or 12 months, they function like Certificates of Deposit (CDs), offering fixed returns with known interest rates and durations.
Effective December 1, 2025 -- This product requires a $100 minimum for 1 and 3 month term Notes and $1,000 minimum for the 12 month note. Prior to December 1, 2025 -- This product requires a $100 minimum for 1 month term Notes, and $1,000 minimum for 3 month and 12 month term Notes.
Self-Directed IRA Account
You can diversify your retirement savings with an IRA Account. There are different IRA options with this tax-advantaged offering: Traditional IRA, Roth IRA, SEP IRA, Simple IRA, Rollover IRA. There's a minimum investment of $25,000 and it's only available on desktop.