GFCCP II is a niche private market credit product that is focused on consumer lending. Groundfloor has partnered with Hive Financial Assets to bring you access to recession-hedged micro-lending — a countercyclical strategy where demand for immediate-liquidity loans actually increases when unemployment rises. Their sophisticated AI-powered risk models process tens of thousands of applications daily, and their multi-layered loss protection structure provides a substantial investor cushion.
What is the annual interest?
This investment offers 10% per annum.
How often does it pay interest?
Distributions are issued quarterly.
What are the other investment metrics?
It has a 10.47% IRR and 1.31x Investment Multiple.
What is the tax structure?
You will receive a 1099-INT.
Can anybody invest in this?
This is for Accredited Investors only.
What is the minimum investment?
$10,000.
What are the fees?
There are no fees associated with this investment.
What is the total offering size?
$3,000,000.
When is the subscription window?
Clients will be able to invest starting Monday, May 4, 2026 through Monday, May 18, 2026 or if fully funded, whichever comes first. All subscriptions will be on a first come, first serve basis.
Can I invest early?
You can only invest during the subscription window. All subscriptions will be on a first-come, first-served basis.
Is there a lockup period?
The term of this investment is 45 months.
When will I get my principal back?
At month 36, you will receive 25% of your principal. Every 3 months thereafter, you will receive an additional 25%. By month 45, all of your initial investment will have been paid back along with interest.
Are there risks with this investment?
There are risks with any investment. However, our partner in this endeavor is in the first loss position. In the event of performance deterioration, several conditions must be met before investors are at risk of non-payment.
Is my principal guaranteed?
Groundfloor is not a depository institution and is not covered by FDIC. Groundfloor does not make any guarantees with respect to any investment offering.