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.
Managing Your Flywheel Portfolio Funds
Manual vs. Automatic Deposits
You can manually deposit money into the Flywheel Portfolio whenever you prefer, offering flexibility for controlling your contributions. Alternatively, automated recurring transfers allow for consistent and effortless investing.
Earning Interest
Funds earn interest automatically based on the portfolio's terms. Returns are tied to short-term real estate loans, ensuring your investment generates income over time.
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: The Flywheel Portfolio contains a diversified mix of 200–400 short-term real estate loans, managed to optimize returns and minimize risk.
Short-term (6 to 24 months)
Secured by first-lien mortgages
Assigned grades from A to G based on risk and return
Funds are locked into active loans after an initial 48-hour window, during which no withdrawals or transfers are allowed.
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.
Create a Groundfloor account or log in to an existing one to get started.
Deposit your initial funds.
Opt for the Flywheel Portfolio under the "Invest" menu to automate your investments efficiently.
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 1% management fee from your returns—only when you get paid. Once Flywheel invests your funds, any withdrawals or transfers are restricted until the loans begin to repay, stabilizing investment returns.
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- Choose between manual deposits for more control or set up automated recurring transfers to ensure consistent contributions.
Rules and Limitations
Once funds are locked into active loans post the initial 48-hour window, withdrawals or transfers are not allowed until the loans start repaying.
Returns include both principal and accrued interest, boosting your account balance as loans are repaid.
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.