GROUNDFLOOR is currently closing loans in as fast as 3 weeks. Below are our current lending guidelines:

  • 1-4 Unit Properties in AL, AZ, FL, GA, NC, NV, SC, TX, UT, and VA
  • New Construction projects in GA and NC
  • Loan size:  $75,000-$350,000+ 
  • Terms: 6, 9, 12 month loans
  • 70% LTARV;  80% to 90% LTC depending on experience
  • No minimum transactions experience required,  no JV Agreements considered
  • 5 year look back for experience
  • Minimum credit score of 640
  • Minimum property value $50,000
  • All loans will be Full Recourse Loans with Personal Guarantees

We will refinance a loan from another lender if the project is complete.

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