Groundfloor provides several ways to invest, designed to meet different goals—from diversification to income to fast, predictable returns. For investors looking for simplicity, speed, and certainty, Groundfloor Notes stand out as a compelling option.
Groundfloor Notes (Best for predictable, short-term returns)
Groundfloor Notes are short-term, high-yield investments ideal for investors who want fixed returns with known timelines. Similar to Certificates of Deposit (CDs), Notes offer set interest rates and defined terms—so you always know what you’ll earn and when.
With terms as short as 1 month, 3 months, or 12 months, Notes are designed for quick capital turnover and straightforward investing without the need to evaluate individual loans.
Minimum investment requirements:
Effective December 1, 2025
$100 minimum for 1- and 3-month Notes
$1,000 minimum for 12-month Notes
Other investment options on Groundfloor
While Groundfloor Notes offer simplicity and predictability, investors can also explore these alternatives:
The Flywheel Portfolio (Most popular for diversification)
The Flywheel Portfolio provides instant diversification across hundreds of loans with a $100 minimum investment. Returns are generated weekly, making it a great option for hands-off investors focused on long-term diversification.
Loans
LROs allow investors to select individual loans based on risk tolerance. With a $100 minimum investment, investors can earn monthly interest payments, but this option requires more hands-on decision-making compared to Notes.
Self-Directed IRA Account
For retirement-focused investors, Groundfloor offers Self-Directed IRAs, including Traditional, Roth, SEP, SIMPLE, and Rollover IRAs. This tax-advantaged option requires a $25,000 minimum investment and is available on desktop only.