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    <loc>http://support.groundfloor.us/en/articles/3715635-what-kind-of-security-does-groundfloor-use</loc>
    <lastmod>2023-11-29T20:45:10Z</lastmod>
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    <lastmod>2026-01-26T18:09:29Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/3715640-what-does-skin-in-the-game-mean</loc>
    <lastmod>2023-11-29T20:42:44Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/3715641-how-do-i-transfer-funds-to-and-from-my-groundfloor-account</loc>
    <lastmod>2026-03-31T16:50:50Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/3715648-how-do-i-contact-groundfloor-if-i-have-questions-as-a-borrower</loc>
    <lastmod>2025-08-11T13:58:00Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/3715649-what-happens-if-a-borrower-defaults-on-a-loan</loc>
    <lastmod>2024-02-09T18:29:01Z</lastmod>
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    <lastmod>2025-03-21T16:17:35Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/3715652-do-you-offer-a-referral-program-i-would-love-to-spread-the-word-to-friends-and-family</loc>
    <lastmod>2025-08-07T15:25:04Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/3715653-what-are-the-requirements-for-groundfloor-investors</loc>
    <lastmod>2025-03-21T16:24:14Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/3715654-what-does-groundfloor-do-to-protect-your-investment</loc>
    <lastmod>2025-08-04T14:01:38Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/3715655-what-do-i-need-to-know-about-tax-reporting-for-my-groundfloor-investments</loc>
    <lastmod>2026-03-12T15:52:08Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/3854925-what-are-your-lending-guidelines</loc>
    <lastmod>2024-02-09T17:15:16Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/3854939-who-should-i-work-with-on-a-new-application-or-a-project-that-is-in-progress</loc>
    <lastmod>2020-04-01T18:57:27Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/4598948-what-are-groundfloor-notes</loc>
    <lastmod>2023-11-29T20:59:53Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/6483191-what-is-the-groundfloor-mobile-app</loc>
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    <lastmod>2025-02-26T19:36:58Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/8471367-how-do-i-get-started-with-flywheel-automatic-investing</loc>
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    <loc>http://support.groundfloor.us/en/articles/8609080-what-s-the-best-path-to-maximizing-my-investment-potential</loc>
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    <loc>http://support.groundfloor.us/en/articles/8609359-do-you-have-any-flywheel-investing-tips</loc>
    <lastmod>2025-02-27T19:38:44Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/8652270-is-investing-with-groundfloor-risky</loc>
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    <loc>http://support.groundfloor.us/en/articles/9197435-what-was-stairs-what-if-i-have-questions-about-my-stairs-account</loc>
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    <lastmod>2025-08-27T15:55:14Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9246514-where-can-i-find-my-tax-form-s</loc>
    <lastmod>2025-11-06T20:31:39Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9261259-where-can-i-find-groundfloor-s-sec-registration</loc>
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    <loc>http://support.groundfloor.us/en/articles/9261288-common-loan-summary-terms</loc>
    <lastmod>2025-03-25T20:16:26Z</lastmod>
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    <lastmod>2024-05-09T16:15:44Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9261305-how-do-you-calculate-the-return-on-investment</loc>
    <lastmod>2024-04-29T21:03:21Z</lastmod>
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    <lastmod>2026-03-17T18:06:04Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9261317-how-do-i-calculate-repayments</loc>
    <lastmod>2025-08-07T15:39:14Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9261320-how-do-i-close-my-groundfloor-account</loc>
    <lastmod>2025-12-23T20:34:02Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9261331-i-m-getting-a-captcha-error-what-do-i-do</loc>
    <lastmod>2025-03-21T16:14:49Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9268740-are-my-funds-fdic-insured</loc>
    <lastmod>2025-10-22T18:58:48Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9269350-how-do-i-cancel-an-investment</loc>
    <lastmod>2026-03-04T21:40:21Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9269397-who-qualifies-as-an-accredited-investor</loc>
    <lastmod>2025-08-07T16:43:52Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9307046-how-do-i-set-up-my-account-as-a-tardus-client</loc>
    <lastmod>2025-03-21T16:11:56Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9307096-how-do-i-verify-my-account</loc>
    <lastmod>2025-12-23T20:54:25Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9318804-where-can-i-find-extended-investments</loc>
    <lastmod>2025-02-21T17:18:19Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9319067-how-do-i-transfer-funds-into-my-groundfloor-ira-account</loc>
    <lastmod>2026-03-31T16:49:34Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9326256-how-do-i-set-up-a-groundfloor-ira-account</loc>
    <lastmod>2025-08-05T14:53:48Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9326267-what-are-groundfloor-s-ira-fees</loc>
    <lastmod>2026-02-25T20:08:40Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9326279-how-long-does-foreclosure-take</loc>
    <lastmod>2025-02-05T19:41:53Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9331112-i-signed-up-for-groundfloor-what-now</loc>
    <lastmod>2025-07-02T13:53:27Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9357257-early-note-prepayment-5-31-24</loc>
    <lastmod>2025-12-23T20:53:23Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9482310-how-do-groundfloor-referrals-work</loc>
    <lastmod>2025-12-16T17:44:39Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9688780-what-is-the-flywheel-portfolio</loc>
    <lastmod>2025-11-24T16:15:26Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9709716-what-are-the-terms-and-conditions-of-the-flywheel-portfolio</loc>
    <lastmod>2024-08-07T00:50:54Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9709721-how-is-the-flywheel-portfolio-structured</loc>
    <lastmod>2025-05-02T18:58:39Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9709723-how-and-when-does-the-flywheel-portfolio-distribute-loan-repayments</loc>
    <lastmod>2024-12-31T21:41:20Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9709724-how-is-the-flywheel-portfolio-offering-tax-advantaged</loc>
    <lastmod>2024-12-18T14:05:56Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9709726-how-is-the-flywheel-portfolio-more-diversified-than-the-auto-investor-account-automatic-investing-tool-or-investment-wizard</loc>
    <lastmod>2025-02-27T19:45:07Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9709732-how-are-the-assets-included-in-the-flywheel-portfolio-selected</loc>
    <lastmod>2025-08-07T15:19:10Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9709736-how-is-the-flywheel-portfolio-different-from-investing-in-individual-lros</loc>
    <lastmod>2025-09-17T11:49:33Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9709737-how-is-the-flywheel-portfolio-different-from-investing-in-groundfloor-notes</loc>
    <lastmod>2025-02-21T19:11:20Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9713116-how-do-loan-release-batches-work-in-the-flywheel-portfolio</loc>
    <lastmod>2025-08-07T16:18:56Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9713118-is-the-flywheel-portfolio-rate-guaranteed</loc>
    <lastmod>2025-08-27T18:18:09Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9713119-what-are-the-fees-for-the-flywheel-portfolio-and-are-they-included-in-the-loan-rates-shown</loc>
    <lastmod>2025-09-26T16:20:13Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9713125-how-soon-will-i-get-my-money-back-from-the-flywheel-portfolio</loc>
    <lastmod>2025-08-08T12:50:36Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9713135-what-types-of-assets-are-included-in-the-flywheel-portfolio</loc>
    <lastmod>2025-08-07T15:17:21Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9713140-can-i-invest-in-these-same-assets-from-flywheel-portfolio-elsewhere-on-the-groundfloor-platform</loc>
    <lastmod>2025-08-07T15:11:51Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9713151-how-do-i-cancel-my-flywheel-portfolio-investment-within-the-cancellation-period</loc>
    <lastmod>2025-08-07T15:43:21Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9713156-can-i-invest-in-the-flywheel-portfolio-in-my-ira</loc>
    <lastmod>2025-02-21T19:11:37Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9713159-do-i-have-to-migrate-my-portfolio-to-flywheel-portfolio</loc>
    <lastmod>2025-09-26T16:22:32Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9757390-can-you-tell-me-more-about-groundfloor-as-a-business</loc>
    <lastmod>2024-08-19T18:38:12Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/9757395-what-do-groundfloor-s-financials-look-like</loc>
    <lastmod>2024-08-27T14:11:21Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/9757405-what-is-groundfloor-s-growth-strategy-and-outlook-as-a-business</loc>
    <lastmod>2024-08-19T18:42:14Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9757407-what-bonuses-and-incentives-are-available-for-investing-in-this-offering</loc>
    <lastmod>2024-09-04T15:17:38Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9757410-what-are-the-potential-dividends-or-dividend-payouts</loc>
    <lastmod>2024-08-19T18:43:08Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9757416-what-is-the-price-per-share-and-valuation-for-the-2024-stock-offering</loc>
    <lastmod>2024-08-19T18:43:54Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/9757418-how-will-groundloor-handle-changes-and-potential-risks-in-the-real-estate-market</loc>
    <lastmod>2024-08-19T18:44:16Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9757421-can-you-expand-on-your-lending-guidelines-risk-management-default-rates-and-recovery-efforts</loc>
    <lastmod>2024-08-19T18:44:55Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9757423-what-are-the-logistics-of-the-2024-stock-offering-can-you-provide-more-details</loc>
    <lastmod>2025-01-30T21:01:58Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9757427-what-is-the-minimum-investment-amount-and-what-are-other-requirements-for-the-2024-stock-offering</loc>
    <lastmod>2024-08-27T16:22:48Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/9958890-how-is-the-flywheel-portfolio-different-from-the-auto-investor-account</loc>
    <lastmod>2025-09-17T11:48:55Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/9979792-flywheel-portfolio-groundfloor-live-questions</loc>
    <lastmod>2025-09-25T16:56:36Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10002954-groundfloor-live-tardus-x-flywheel-questions</loc>
    <lastmod>2025-08-27T18:10:58Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10006867-what-are-the-fees-for-a-groundfloor-ira-if-i-invested-in-the-flywheel-portfolio-would-those-fees-be-included-as-well</loc>
    <lastmod>2025-12-08T21:49:19Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/10261348-what-is-the-december-2024-liquidity-offer</loc>
    <lastmod>2024-12-10T15:30:54Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/10261354-how-do-i-opt-in-to-accept-the-liquidity-offer</loc>
    <lastmod>2025-02-12T20:54:34Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/10261369-what-happens-if-i-do-not-opt-in</loc>
    <lastmod>2024-12-10T15:11:23Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10261371-when-will-the-repayment-be-applied</loc>
    <lastmod>2024-12-10T15:12:27Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10261373-what-can-i-do-with-the-repaid-funds-when-i-receive-them</loc>
    <lastmod>2024-12-10T15:12:58Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10261376-what-are-the-tax-consequences-of-accepting-the-liquidity-offer</loc>
    <lastmod>2024-12-10T15:13:18Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10261378-how-was-the-price-determined</loc>
    <lastmod>2024-12-10T15:13:49Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10261382-why-are-you-not-offering-100-cents-on-the-dollar-or-more</loc>
    <lastmod>2024-12-10T15:14:20Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10261384-how-will-my-investments-perform-if-i-do-not-accept-the-liquidity-offer</loc>
    <lastmod>2024-12-10T15:14:43Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10261386-will-there-be-more-offers-like-this-in-the-future</loc>
    <lastmod>2024-12-10T15:15:00Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10261388-can-i-accept-the-liquidity-offer-for-some-eligible-investments-but-not-all</loc>
    <lastmod>2024-12-10T15:15:27Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10261389-how-will-this-be-reflected-on-my-investor-dashboard-and-performance-history</loc>
    <lastmod>2024-12-10T15:15:50Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10261393-what-will-happen-to-the-loans-after-groundfloor-repurchases-them</loc>
    <lastmod>2024-12-10T15:16:36Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10262693-how-do-i-confirm-which-of-my-lros-are-eligible-for-the-npl-offer</loc>
    <lastmod>2025-08-07T15:49:00Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10279610-how-do-i-set-up-recurring-funds-transfers-to-my-groundfloor-account-s</loc>
    <lastmod>2025-10-30T15:27:01Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10280274-how-do-i-invest-in-individual-loans-lros</loc>
    <lastmod>2025-08-07T15:59:08Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10301817-what-does-the-december-2024-bond-issuance-mean-for-groundfloor</loc>
    <lastmod>2025-05-12T14:58:06Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10301821-what-does-this-bond-issuance-mean-for-the-groundfloor-investment-platform</loc>
    <lastmod>2024-12-18T16:56:35Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10301900-how-will-groundfloor-lro-and-flywheel-portfolio-investors-be-impacted-by-december-2024-bond-issuance</loc>
    <lastmod>2025-05-12T14:57:50Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10301902-how-were-loans-selected-for-the-bond</loc>
    <lastmod>2024-12-18T16:57:14Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10445396-what-are-the-terms-of-the-convertible-note</loc>
    <lastmod>2025-10-28T17:03:04Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10459400-how-can-i-review-the-note-purchase-agreement-before-making-my-election</loc>
    <lastmod>2025-10-28T17:05:11Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10459403-how-are-convertible-notes-different-from-groundfloor-notes</loc>
    <lastmod>2025-01-24T22:05:10Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10459414-how-long-will-this-offer-be-made-available</loc>
    <lastmod>2025-11-03T15:29:11Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10471597-what-different-types-of-accounts-are-available-on-groundfloor</loc>
    <lastmod>2025-02-26T18:00:31Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10486943-how-can-i-liquidate-my-equity-investment-or-transfer-my-shares</loc>
    <lastmod>2025-08-07T15:15:01Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10492306-what-do-i-do-if-i-m-the-beneficiary-of-a-groundfloor-account</loc>
    <lastmod>2025-10-22T18:58:20Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10508184-what-is-the-minimum-investment-in-the-flywheel-portfolio</loc>
    <lastmod>2025-09-26T18:42:27Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10508231-how-can-i-apply-a-promotion-to-my-ira-account</loc>
    <lastmod>2025-02-04T16:16:36Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10508497-what-ira-account-type-should-i-use-with-my-401k</loc>
    <lastmod>2025-02-06T17:22:48Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10508850-what-investment-opportunities-does-groundfloor-provide</loc>
    <lastmod>2025-12-16T17:47:42Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10513751-when-are-new-lros-released</loc>
    <lastmod>2025-03-26T19:21:30Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10513769-how-do-i-set-up-a-groundfloor-account</loc>
    <lastmod>2025-11-06T20:32:35Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10517484-how-do-i-cancel-a-pending-funds-transfer</loc>
    <lastmod>2026-02-10T17:31:12Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10517512-how-do-groundfloor-promotions-work</loc>
    <lastmod>2025-02-06T17:42:21Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10518176-how-do-i-finish-setting-up-my-bank-account-in-the-mobile-app</loc>
    <lastmod>2025-08-07T21:24:27Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10518245-how-do-i-finish-setting-up-my-bank-account-on-desktop</loc>
    <lastmod>2026-03-31T16:53:04Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10522873-what-is-bitgo</loc>
    <lastmod>2025-02-07T15:20:18Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10522882-how-do-i-open-an-account-with-bitgo</loc>
    <lastmod>2025-02-13T15:04:38Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10589788-please-tell-me-more-about-groundfloor-s-joint-venture-partnership-with-a-local-partner-in-jacksonville</loc>
    <lastmod>2025-02-19T15:15:08Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10589837-why-did-groundfloor-enter-into-this-joint-venture-partnership</loc>
    <lastmod>2025-02-20T18:41:22Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10589861-why-is-groundfloor-dissolving-the-partnership</loc>
    <lastmod>2025-02-20T18:41:02Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10589869-why-have-some-properties-sold-and-not-repaid</loc>
    <lastmod>2025-02-20T18:47:06Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10589874-as-the-investor-in-an-lro-associated-with-the-groundfloor-jacksonville-joint-venture-how-am-i-protected</loc>
    <lastmod>2025-02-20T18:42:42Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10589885-what-are-the-strategies-and-steps-to-resolve</loc>
    <lastmod>2025-11-24T16:16:51Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10589933-how-do-i-get-more-information-than-the-updates-that-are-provided</loc>
    <lastmod>2025-02-19T15:24:59Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10640106-how-do-i-withdraw-funds-from-my-ira-account</loc>
    <lastmod>2026-01-06T22:05:59Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/10640268-how-do-i-withdraw-my-required-minimum-distribution-rmd-from-my-ira-account-with-groundfloor</loc>
    <lastmod>2025-10-22T18:57:57Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11055614-why-are-my-equity-shares-missing</loc>
    <lastmod>2025-11-10T19:09:21Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11060837-when-you-say-bond-what-does-that-mean</loc>
    <lastmod>2025-06-09T20:30:16Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11060990-how-do-i-know-if-the-groundfloor-bond-note-bonus-has-been-granted</loc>
    <lastmod>2025-04-09T15:17:24Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11060994-would-the-groundfloor-bond-note-be-reflected-in-my-account</loc>
    <lastmod>2025-04-09T15:17:58Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11060996-what-is-the-groundfloor-bond-note</loc>
    <lastmod>2025-09-19T18:01:49Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11061140-what-do-you-mean-by-prepayment</loc>
    <lastmod>2025-09-19T18:12:49Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11061288-will-the-bonus-change-the-groundfloor-bond-note-to-9-5-annualized-return</loc>
    <lastmod>2025-06-09T21:07:02Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11187167-flywheel-portfolio-101</loc>
    <lastmod>2025-09-17T11:50:16Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11326994-how-is-groundfloor-evolving-in-2025</loc>
    <lastmod>2025-05-09T13:45:47Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11436367-may-2025-repayment-volume</loc>
    <lastmod>2025-05-27T19:47:19Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11464633-why-is-my-monthly-statement-changing</loc>
    <lastmod>2025-05-28T21:33:33Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11506354-what-is-groundfloor-lendco</loc>
    <lastmod>2025-06-04T13:03:51Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11506359-what-is-the-purpose-of-this-offering</loc>
    <lastmod>2025-06-03T23:09:12Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11506360-how-will-the-cash-be-used</loc>
    <lastmod>2025-06-03T23:09:40Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11506361-under-what-circumstances-could-we-would-we-touch-the-cash</loc>
    <lastmod>2025-06-04T13:02:55Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11506362-what-would-cause-us-to-prepay</loc>
    <lastmod>2025-06-03T23:10:44Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11506364-who-am-i-lending-to</loc>
    <lastmod>2025-06-03T23:11:18Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11506365-what-is-the-financial-situation-of-the-borrowing-entity</loc>
    <lastmod>2025-06-04T14:06:06Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11506366-how-is-this-different-from-a-groundfloor-note</loc>
    <lastmod>2025-06-03T23:12:17Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11506367-is-the-note-secured</loc>
    <lastmod>2025-06-03T23:12:51Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11506368-what-are-the-details-of-this-note</loc>
    <lastmod>2025-06-03T23:13:18Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11525739-why-was-my-auto-investor-account-converted-to-an-investor-account</loc>
    <lastmod>2025-06-06T17:41:12Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11525747-how-is-the-investor-account-different-from-my-previous-auto-investor-account</loc>
    <lastmod>2025-06-06T17:41:36Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11525749-what-other-investment-options-do-i-have-with-my-investor-account</loc>
    <lastmod>2025-09-08T19:37:04Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11649154-can-you-help-me-better-understand-the-flywheel-portfolio-i-am-still-confused</loc>
    <lastmod>2025-08-22T17:48:27Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955806-can-i-submit-recurring-withdrawals</loc>
    <lastmod>2025-08-06T21:13:22Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955814-why-won-t-the-app-let-me-invest</loc>
    <lastmod>2025-09-24T19:09:42Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955817-can-i-set-up-an-amount-to-automatically-invest-each-month</loc>
    <lastmod>2026-01-06T22:04:27Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955818-what-exactly-is-different</loc>
    <lastmod>2025-08-14T17:54:51Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955823-does-this-mean-i-don-t-need-to-use-the-desktop-experience</loc>
    <lastmod>2025-08-06T21:15:45Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955824-how-does-the-upgraded-reporting-break-down-my-investments</loc>
    <lastmod>2025-08-06T21:16:06Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955832-where-can-i-find-the-rate-of-return-for-a-given-time-period</loc>
    <lastmod>2025-08-06T21:17:45Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955833-will-i-be-able-to-download-my-own-reporting-and-if-so-how</loc>
    <lastmod>2025-08-06T21:18:05Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955835-are-you-now-integrated-with-mint-and-or-other-third-party-platforms</loc>
    <lastmod>2025-08-07T15:15:39Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955837-is-my-money-safe-during-this-groundfloor-app-update</loc>
    <lastmod>2025-08-06T21:18:48Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955841-will-my-auto-investments-keep-working</loc>
    <lastmod>2025-08-06T21:19:06Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955842-where-can-i-see-my-investment-history</loc>
    <lastmod>2025-08-06T21:19:24Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955844-will-my-returns-change-after-this-groundfloor-redesign</loc>
    <lastmod>2025-08-06T21:19:43Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/11955845-what-if-i-can-t-find-something</loc>
    <lastmod>2025-09-24T20:40:44Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12089387-who-is-eligible-to-invest-in-the-2025-shareholder-stock-offering</loc>
    <lastmod>2025-09-05T19:00:57Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12089392-how-long-is-this-offering-available</loc>
    <lastmod>2025-09-05T12:33:31Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12089394-what-is-the-price-per-share-and-valuation-for-the-2025-shareholder-stock-offering</loc>
    <lastmod>2025-09-05T19:01:16Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12089401-where-can-i-watch-the-2025-shareholder-stock-offering-webinar</loc>
    <lastmod>2025-09-05T21:36:14Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12089405-what-is-the-minimum-investment-amount-for-the-2025-shareholder-stock-offering</loc>
    <lastmod>2025-09-05T19:01:07Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12089411-what-were-groundfloor-s-key-financial-and-operating-results-for-the-first-half-of-2025</loc>
    <lastmod>2025-09-05T12:35:00Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12089417-what-is-this-offering-going-to-be-used-toward</loc>
    <lastmod>2025-08-26T14:44:59Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12089418-what-is-groundfloor-s-growth-strategy-and-outlook-as-a-business</loc>
    <lastmod>2025-09-05T12:35:44Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12089443-is-there-any-liquidity-with-this-offering</loc>
    <lastmod>2025-09-05T12:36:05Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12089449-what-are-groundfloor-s-plans-for-an-ipo-or-exit-strategy</loc>
    <lastmod>2025-09-05T12:36:28Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12099337-how-do-i-turn-on-off-automatic-lro-investing</loc>
    <lastmod>2026-03-19T19:44:54Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12159315-how-can-i-invest-in-the-2025-shareholder-stock-offering</loc>
    <lastmod>2025-09-05T12:34:29Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12239539-why-is-the-stock-price-only-increasing-by-10-even-though-revenue-is-up-40-year-over-year</loc>
    <lastmod>2025-09-09T15:10:35Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12239570-will-groundfloor-add-account-balance-notifications-to-help-with-reinvesting-liquid-cash</loc>
    <lastmod>2025-09-24T19:16:39Z</lastmod>
  </url>
  <url>
    <loc>http://support.groundfloor.us/en/articles/12239607-has-the-company-considered-buying-back-stock-from-existing-shareholders</loc>
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    <loc>http://support.groundfloor.us/en/articles/12239631-how-does-groundfloor-balance-institutional-investment-with-retail-investor-access</loc>
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    <loc>http://support.groundfloor.us/en/articles/12239649-how-would-a-recession-or-an-expansion-impact-groundfloor-s-performance</loc>
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    <loc>http://support.groundfloor.us/en/articles/12292384-how-does-groundfloor-make-money</loc>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/12558302-reporting-glossary-of-terms</loc>
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    <loc>http://support.groundfloor.us/en/articles/12558444-how-can-i-calculate-my-flywheel-returns</loc>
    <lastmod>2025-10-22T15:20:04Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/12771701-what-happens-to-a-property-after-foreclosure-and-when-do-investors-receive-their-repayments</loc>
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    <loc>http://support.groundfloor.us/en/articles/12771709-what-do-i-need-to-know-about-minimum-investments-and-fees-on-groundfloor</loc>
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    <loc>http://support.groundfloor.us/en/articles/12871623-what-changes-are-happening-to-groundfloor-notes</loc>
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    <loc>http://support.groundfloor.us/en/articles/12871630-how-do-i-opt-out-of-my-groundfloor-note</loc>
    <lastmod>2026-03-31T19:57:37Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/13170977-where-do-i-enter-my-promo-code</loc>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/13379961-what-is-the-gf-consumer-credit-portfolio-gfccp-i</loc>
    <lastmod>2026-01-13T17:27:35Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/13379973-what-is-the-annual-interest</loc>
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    <loc>http://support.groundfloor.us/en/articles/13379979-how-often-does-it-pay-interest</loc>
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    <loc>http://support.groundfloor.us/en/articles/13379983-what-are-the-other-investment-metrics</loc>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/13379994-what-is-the-tax-structure</loc>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/13379995-can-anybody-invest-in-this</loc>
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    <loc>http://support.groundfloor.us/en/articles/13379998-what-is-the-minimum-investment</loc>
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    <loc>http://support.groundfloor.us/en/articles/13380020-what-are-the-fees</loc>
    <lastmod>2026-01-13T17:33:53Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/13380039-what-is-the-total-offering-size</loc>
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    <loc>http://support.groundfloor.us/en/articles/13380067-when-is-the-subscription-window</loc>
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    <loc>http://support.groundfloor.us/en/articles/13380101-can-i-invest-early</loc>
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    <loc>http://support.groundfloor.us/en/articles/13380229-is-there-a-lockup-period</loc>
    <lastmod>2026-01-13T17:52:52Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/13380286-when-will-i-get-my-principal-back</loc>
    <lastmod>2026-01-13T18:02:52Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/13380291-are-there-risks-with-this-investment-there-are-risks-with-any-investment</loc>
    <lastmod>2026-01-13T18:03:49Z</lastmod>
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    <loc>http://support.groundfloor.us/en/articles/13380315-is-my-principal-guaranteed</loc>
    <lastmod>2026-01-13T18:08:23Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/13604666-understanding-the-jacksonville-joint-venture-structure</loc>
    <lastmod>2026-02-20T21:30:35Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/articles/13973570-groundfloor-preferred-note</loc>
    <lastmod>2026-03-06T12:50:43Z</lastmod>
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    <loc>http://support.groundfloor.us/en/collections/1694161-company-information</loc>
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    <loc>http://support.groundfloor.us/en/collections/11456918-groundfloor-updates</loc>
    <lastmod>2025-10-30T20:01:23Z</lastmod>
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    <loc>http://support.groundfloor.us/en/collections/1694162-investors</loc>
    <lastmod>2026-01-13T18:09:07Z</lastmod>
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    <loc>http://support.groundfloor.us/en/collections/1694166-account-settings</loc>
    <lastmod>2026-01-13T18:09:21Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/collections/10045376-flywheel-portfolio</loc>
    <lastmod>2026-01-13T18:09:21Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/collections/17893688-gf-consumer-credit-portfolio-i</loc>
    <lastmod>2026-01-13T18:09:21Z</lastmod>
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    <loc>http://support.groundfloor.us/en/collections/6451131-auto-investor-account-flywheel-portfolio</loc>
    <lastmod>2026-01-13T18:09:21Z</lastmod>
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    <loc>http://support.groundfloor.us/en/collections/2032519-iras</loc>
    <lastmod>2026-01-13T18:09:21Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/collections/17353507-referral-codes</loc>
    <lastmod>2026-01-13T18:09:18Z</lastmod>
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  <url>
    <loc>http://support.groundfloor.us/en/collections/1694163-borrowers</loc>
    <lastmod>2026-01-13T18:09:18Z</lastmod>
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    <loc>http://support.groundfloor.us/en/collections/14474766-the-august-2025-app-upgrade</loc>
    <lastmod>2026-01-13T18:09:18Z</lastmod>
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    <loc>http://support.groundfloor.us/en/collections/16356735-dec-2025-convertible-note-offering</loc>
    <lastmod>2026-01-13T18:09:18Z</lastmod>
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