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
G

Great way to grow wealth

Groundfloor has been a great way to grow wealth while calculating risks with different options commitments and tax platforms I have a Roth IRA through them along with a Stairs savings account and a variety of investments in house projects and notes
A

Groundfloor Review

Groundfloor offers a great way to invest whether you re seeking a savings account through Groundfloor Stairs or you wish to invest in real estate You cannot go wrong either way Good job Groundfloor Keep up the good work
K

I have been pleasantly surprised

I have been pleasantly surprised regarding my groundfloor investments If I have any criticism it s that the loan offerings are predominantly in GA and FL A few other states come up but I wish their was greater coverage across the US states and regions
L

As a retired person

As a retired person Groundfloor is a perfect investment vehicle I earn a a respectable return on my nest egg and I can sleep at night I got in on the ground-floor in 2013 and it was the best financial decision ever I may be a bit smug and that s fine Nursing School and GROUNDFLOOR a winning combination
T

Big fan

Big fan For risk tolerant folks looking for great returns it s awesome Mixing LROs Notes and Stairs has worked out really well for me Great customer service when you need it too Highly recommended
E

I have been with Ground-floor since

I have been with Ground-floor since last October it is an excellent option if you want a balanced portfolio I also used their Stairs option for a more liquid savings option Great rates auto-investing within your perimeters and easy to use I recommend Ground floor and Stairs 100
D

Quick Response and Effective Service

Response time to issue in question was answered quickly and effectively with daily human interaction I d like for Groundfloor to align their mobile apps for easy transfer between each of them in the future Thanks for creating a unique platform and alternative solution for users to grow assets by helping others
E

Great Investing Tool

Although I have only seen small returns it is because I have only made small investments however I have never LOST money with Groundfloor As i increase my level of monetary investment I expect to see larger gains And as I begin to see larger gains I can reinvest the money in stocks to see revenue grow even more Groundfloor is a great tool for investing in real estate
C

I ve been on Groundfloor now for almost

I ve been on Groundfloor now for almost a year and I just love the platform in every way The information is clear and concise their help articles do a really good job explaining what an LRO investment is and transferring funds was super easy All this was enough to convince me to throw some money at it to test out Sure enough I ve consistently earned 10-12 on my investments and I m allocating more money to it every month Get after it
L

Very Pleased

I have enjoyed the opportunity to tour the country and invest in the livelihood of folks I will never meet Those buying homes to renovate are hiring plumbers roofers cabinet hangers tile layers landscape workers electricians painters and cleaners That could be 5-10 other people benefiting from my investment Having helped with most of these tasks I know what it takes and I am proud to help put money in the pocket and food on the table for honest working people I will never otherwise impact It makes me feel good

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.