Groundfloor is a platform that empowers everyday investors (both accredited and non-accredited) to earn strong returns through short-term, real estate-backed loans. We fractionalize those loans, making it possible to invest with as little as $100 while still accessing a professionally managed, diversified portfolio.
The Flywheel Advantage
At the heart of the Groundfloor experience is Flywheel—our actively managed real estate credit portfolio. When you invest in Flywheel, your funds are pooled with others and allocated across hundreds of loans that Groundfloor originates, underwrites, and services. These loans are typically:
Short-term (6 to 24 months)
Secured by first-lien mortgages
Assigned grades from A to G based on risk and return
Offering target net returns of around 9%, after fees and expected losses
Here's how it works:
Groundfloor reviews and underwrites each loan submitted by a borrower (typically real estate investors).
Each loan is assigned a grade (A–G), which corresponds to its risk/return profile.
Once reviewed, loans are added to Flywheel’s actively managed portfolio.
Your investment is automatically diversified across this portfolio.
You receive weekly payouts of interest and principal, based on loan performance.
You earn when borrowers repay.
As each borrower repays their loan, the principal and interest earned are returned to you through Flywheel. Groundfloor earns a small 0.5% management fee from your returns—only when you get paid.
It’s built to be simple:
Set it and forget it
Broad exposure to real estate debt
Fully managed by Groundfloor
Withdraw or reinvest your returns anytime after your initial investment horizon
Make the most of your investing experience on Groundfloor with a special credit bonus. Refer a friend today, and you’ll each get $50 credited to your respective accounts 30 days after they make their first investment of $100 or more.