Groundfloor Reviews

Groundfloor | What are you building?

groundfloor.us
3.54
142 reviews
Great Rating
Based on 142 user experiences

Rated 3.54 out of 5 by 142 Happy Customers

42.3%
14.1%
14.8%
13.4%
14.8%
All 5 ★ 4 ★ 3 ★ 2 ★ 1 ★ 😊 Positive 😐 Neutral 😞 Negative Reset Filter
W

Groundfloor Ideal Vehicle For Retirement Income

Groundfloor is a nearly ideal investment vehicle for retired people seeking substantial income with very low risk to their nest egg principal unlike stock or bond investments these days I routinely earn a 10 return The diversification achieved by making small investments in many loans reduces risk and even in the rare event when a loan does default Groundfloor manages the workout or foreclosure process resulting in a very small loss if any on that loan Net result is the rare combination of high yield and excellent safety a combination that is critically important to retired folks trying to live on the income from their life savings
G

Groundfloor continues to exceed

Groundfloor continues to exceed expectations I look for alternative investments regularly and I am excited I found Groundfloor s LROs I feel my money is safe with this company and am happy about the high returns
C

The company pays a great rate of return

The company pays a great rate of return and the losses are very low on the loans I have had two loans default in two years and I received my total investment back each time The Stairs account pays interest far above any other that I have found
C

Happy to be making considerably more

Happy to be making considerably more than any savings account can muster up This very well may end up being a stock Homerun down the road
M

Give It a Try

As an equity and LRO investor with Groundfloor my experience has been impecable Groundfloor is user-friendly and possibly the easiest way to earn a good return on your money
L

Great Customer Support

Great Customer SupportEvery time I have contacted Groundfloor I have been impressed with both the response and the response time to my concerns I have been very happy with my association with them Of course the financial side of it is second to none
M

Ground-floor is A

I absolutely love the P2P concept of being the bank and directly investing into real mortgages Also having the ability to buy actual private stock from the company Awesome company and great ROI for investments
D

Easy Peasy method of investing

Easy Peasy method of investing Easy to find investments for your personal tolerance of risk level Convenient method of investing in regular Payday basis Amazing how quickly the funds adds up creating a real portfolio The platform is easy to navigate Highly recommend
G

Satisfied User

Been on GF for about 3 years It has been great Easy to use low minimums great returns I believe it is a great tool for new younger investors to try out real estate investing with minimal not zero risk
P

Groundfloor is always improving

I have always enjoyed Groundfloor as an investment platform There is a lot of information available for each loan and they are super transparent about the performance of each loan In addition I have really enjoyed the new automated investing tools that make the process of investing even less manual I have been investing with them since 2018 and they have continued to improve since then What stays consistent however is their commitment to keeping investments easy and accessible for everyone I definitely plan to continue investing with them in the long term

About Groundfloor

Groundfloor is a new financial tool for retail investors. We open the door to short-term, high-yield returns backed by real estate.

United States

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Frequently Asked Questions

Groundfloor is a financial technology company and funding portal that connects individual investors with short-term, high-yield real estate debt investments. Its mission is to democratize real estate investing by making it accessible to non-accredited investors with low minimum investment requirements, primarily focusing on residential fix-and-flip and new construction projects.

Investors browse vetted loan opportunities on the Groundfloor platform, each detailed with property information, loan purpose, borrower history, projected returns, and a risk rating (A through G). Investors purchase fractional debt notes, not direct property ownership, with minimums as low as $10. They receive proportional interest payments as borrowers repay their loans, typically over 6 to 18 months.

No, accreditation is not required to invest through Groundfloor. The platform operates under Regulation A of the Securities Act, which qualifies its offerings for both accredited and non-accredited investors, making real estate debt investing available to the general public.

The minimum investment on Groundfloor starts at $10 per loan. This low threshold allows investors to build diversified portfolios across multiple real estate projects, helping to spread and manage investment risk effectively.

Groundfloor primarily finances short-term loans for residential real estate projects, including fix-and-flip renovations and new construction. These loans are used by developers and house flippers to purchase, renovate, and sell properties, with terms generally ranging from 6 to 18 months.

About Groundfloor

Groundfloor: Democratizing Real Estate Investing

Groundfloor.us is the official website of Groundfloor, a financial technology company that has pioneered a unique model for real estate investment. The platform operates as a limited liability company and functions as a funding portal, connecting individual investors with short-term, high-yield real estate debt investments. Its core mission is to make real estate lending accessible to a broader audience, breaking down the traditional barriers of high capital requirements and accreditation status that have long defined the private real estate market.

How Groundfloor Works

The platform facilitates investments in residential fix-and-flip and new construction projects. Here is a breakdown of its operational model:

  • For Borrowers:Real estate developers and house flippers apply to Groundfloor for loans to finance their projects. These are typically short-term loans (6-18 months) used for purchasing, renovating, and selling residential properties.
  • For Investors:Individual investors can browse vetted loan opportunities on the Groundfloor website or mobile app. Each project is listed with detailed information, including the property location, loan purpose, borrower track record, projected returns (often ranging from 6% to 14% annually), and a risk rating assigned by Groundfloor (A through G).
  • The Investment Vehicle:Investors do not directly own a piece of the property. Instead, they purchase securities in the form of fractional debt notes. This means an investor can participate in a loan with a minimum investment often as low as $10, receiving proportional interest payments as the borrower repays the loan.

Key Features and Offerings

Groundfloor distinguishes itself through several key features designed for investor accessibility and education.

  • No Accreditation Required:Unlike many private real estate investment platforms, Groundfloor is open to non-accredited investors. This is possible because its offerings are qualified under Regulation A of the Securities Act, making them available to the general public.
  • Low Minimum Investment:With minimums starting at just $10, the platform allows for highly diversified portfolios across numerous loans, enabling investors to spread risk effectively.
  • Automated Investing Tools:Groundfloor offers an "Autopilot" feature, which allows investors to set custom criteria (like risk grade, loan term, or return target). The system then automatically allocates funds to new loans that match those parameters.
  • Transparency and Education:The website provides extensive educational resources, including a blog, guides, and a detailed explanation of its loan grading system. Each investment opportunity features a comprehensive project summary, fostering informed decision-making.
  • Secondary Market:Groundfloor operates a limited secondary market, providing some liquidity for investors who wish to sell their notes before a loan matures, though this is subject to market demand.

Considerations for Investors

While Groundfloor opens new doors, it is crucial for potential investors to understand the associated risks. These investments are not FDIC-insured and are subject to potential loss. The success of an investment is directly tied to the borrower's ability to complete and sell the property profitably. Groundfloor's risk ratings provide guidance, but all investments carry inherent risk, including the possibility of default. The platform's historical performance data is available for review, but past performance does not guarantee future results.

In summary, Groundfloor.us presents an innovative online platform that demystifies and opens access to real estate debt investing. By fractionalizing loans and eliminating accreditation hurdles, it empowers everyday individuals to build a diversified portfolio of short-term, income-generating real estate assets, fundamentally altering who can participate in the private lending market.