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
J

I like Groundfloor and recommend it to my friends and clients

I think the information given to make decisions on what properties suit an individual to invest in is enough to make a fair assessment I have used them for just shy of 1 year So far I have received an annual return of 10 2 I had a few LRO s go into default but have been paid back on them Many loans go over the maturity date and get extended by a few 3 to 6 months but I dont mind because I am still making the interest I have not lost any money so far I am happy with them Good customer service They answer pretty quickly - usually same day for email I have called before also The people are actually nice The blog is informative I follow their advice and spread the money into many LRO s and reduce my exposure to loss Minimum investment is 10 00 Can you afford not to try its cheaper than going to a movie
S

Easy to navigate site

Easy to navigate site Clean online dashboard Plenty of investment options with a low minimum of just 10 Been investing in GF since 2014 and have a lifetime yield of around 10
D

Excellent Customer Service

Recently I had to make changes to my Groundfloor account I emailed my requests and promptly received a phone call They gathered the necessary information and handled the issue quickly Working with Groundfloor is easy and profitable
R

Love the Groundfloor platform

Love the Groundfloor platform They make it very simple to invest and I plan to keep using it as another stream of income for myself I started way in the beginning and even invested in the stock offering at the time
L

I would like to fault the current

I would like to fault the current administration who took a booming real estate market and demolished it I will continue to invest with Groundfloor and hope for new leadership Go Brandon sorry
D

Great platform for real estate

Great platform for real estate investing Figuring out how to open the IRA was a pain and took multiple steps Much harder than the regular account Regular account works great No complaints
P

Groundfloor is an outstanding

Groundfloor is an outstanding investment platform I had some inveatments go sideways default and Groundfloor still got my money and ROI back 5 stars guys Job well done
D

Good Rates of Return

They have good rates of return for the class of LROs being offered I get about 1 repayment per month and can redeploy the money right away Their customer service is very good Although I don t interface with it very much each time I do the response it quick and details the answer to my concern
R

Friends of Investers

Staff is always helpful when I need assistance of any kind They re patient and give me as much time as I desire Their words are of a sort that are easily understood I am comfortable in asking for assistance
C

I have been investing in Groundfloor

I have been investing in Groundfloor for more than seven years They keep my informed of what s going on with the properties where I have my money and are always coming up with new products This has been a simple way for me to invest in small amounts and grow my money gradually My returns have been so much higher than any bank could offer

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

Visit Website

Own this business?

Claim your profile to respond to reviews, manage your listing, and build trust with customers.

Claim This Business

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.