The Flywheel Portfolio allocates investor capital across substantially all or a representative sample of the first-lien loans originated by Groundfloor. Second payment position loans and Groundfloor Notes may be included.
Each Flywheel Portfolio is composed of a diverse, actively managed mix of real estate-backed loans that meet Groundfloor’s underwriting criteria. Assets are continuously reviewed and adjusted to help balance risk and performance, with loans typically ranging from 6 to 24 months in term. Portfolios are launched approximately every six months, and new loans are added regularly to keep the portfolio dynamic.
While principal and interest are typically repaid at loan maturity, repayments from across the portfolio are processed weekly and shared proportionally. Because most loans repay midway through the Flywheel’s 36-month duration, returns tend to accumulate over time — aligning with our long-term portfolio approach.
You can see a detailed view of each loan in the Flywheel Portfolio by visiting your “Invest” page and clicking on the Flywheel Portfolio row. You will find data of each loan that includes property addresses, loan grades, rates of return for each, dollar amounts, and portfolio percentages.