What changes are happening to the Flywheel Portfolio?
Your current Flywheel investments are performing normally and will continue earning interest as their loans mature. Nothing about your existing investments is changing.
As part of our ongoing product evolution, Flywheel will permanently close to new investments, including automatic re-investments, on July 7th, 2026. Your existing Flywheel investments will continue working and paying out as usual, while we develop a new and improved Real Estate Credit Portfolio designed to offer an even better investor experience.
Here's what you need to know
✓ Your investments are continuing as planned
Existing Flywheel investments remain active and continue earning interest.
Loans will continue to mature and repay normally.
✓ Repayments are moving from weekly to monthly
After July 7, Flywheel repayments will be distributed monthly instead of weekly.
✓ Repayments will arrive as cash in your account
Repayments will be deposited into your Groundfloor cash account as investible cash.
You'll have the flexibility to decide where to put that money to work next.
✓ An exclusive new investment option is coming
Current Flywheel investors will have exclusive access to the new Bridge Note.
Earn 8.5% fixed APY with a 1-month term. High-yield, highly liquid, exclusively for you.
Choose to roll over and compound or withdraw at the end of each term.
✓ No action is required today
Your existing Flywheel investments will continue working as usual.
When repayments begin arriving in your cash account, you'll be able to choose whether to invest in the exclusive 8.5% fixed APY Bridge Note or any other Groundfloor investment option.
What day of the month can I expect my distributions to post? When will I be able to withdraw them?
On the 15th of every month, you will receive a distribution. The distribution is withdrawable or investable as soon as it posts to your account.
What caused these changes? Is this because Groundfloor is doing poorly?
Nothing is wrong. We are working on a new iteration of the Real Estate Credit Portfolio for clearer reporting and a predictable monthly payment structure. In the meantime we must turn off investments to the Flywheel portfolio permanently. Your Flywheel portfolio keeps earning interest as its loans mature. This is an upgrade to the portfolio experience, and the Bridge Note is an exclusive opportunity to keep your capital working in the meantime.
Will any changes be made to Flywheel Portfolio fees?
No, there will be no changes to the current Flywheel Portfolio fee structure.
Will I be able to turn on reinvestment into the Flywheel Portfolio in the future if I would prefer my distributions to be automatically reinvested?
Upon the launch of the next Real Estate Credit Portfolio, you will be among the first invited to participate. At that stage, you can select your investment preferences and determine how you would like your future distributions to be managed.
When will the new Flywheel Portfolio be available? Will it be available to both accredited & non-accredited investors?
The upcoming portfolio iteration is called the Groundfloor Real Estate Credit Portfolio, and will be open to all investors, including both accredited and non-accredited participants. A specific launch date has not been finalized yet but we will let you know as soon as we can.
Bridge Note Questions:
What are the terms of the Bridge Note?
One month duration
8.5% IRR
Automatic rollover with the ability to opt out 5 days before repayment, and 3 days after payment
It says it operates as a 1-month Note, and I can withdraw funds at the maturity windows. If I choose to withdrawal, do I:
A. Need to take all of the funds at once, or can I do a partial withdrawal?
B. If I take some of the funds out, can I reinvest funds I would like to remain invested (example: I have $10k in Bridge Note, want to take out $5k. Can I place funds back into the Note?)
You have the flexibility to opt out of the automatic rollover before completion or during the designated cancellation window. Please be aware that the full investment amount must be cancelled; should you wish to partially reinvest, you may simply commit a specific portion of the resulting proceeds afterward. This procedure mirrors the existing cancellation terms of our standard 1-month note.