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
N

Fund movement between bank and GF

Fund movement between bank and GF account is too slow Please consider implementing instant credit
R

I enjoy picking properties to invest

I enjoy picking properties to invest in I can t choose individual investments on the app just groups It s still cool but not as much fun
M

Great experience recently Hope it continues

A couple of months back funds processing was very slow and erratic compared to last year s Later auto investing troubles caused concern It looks like now the issues are settled and I have now more of better experience I hope it stays this way
B

The app has been buggy since its

The app has been buggy since its launch I have multiple loans and when I try to leave page 1 to go to page 2 the app looks like it has taken to me to last page page 4 but it really is page 2 Also the number of loans I have that have passed their maturity date without a meaningful update from Groudfloor is concerning
K

The problem I m seeing is that all too

The problem I m seeing is that all too often a property rated B has no Skin in the game That was not so in the past and I am leery of it
C

Our money tied up in your stock

Our money tied up in your stock offerings I wish was more liquid There is zero timeframe for repayment And from the looks of it we could be holding for 10 years from now Not cool when it was promised much shorter hold time All of the rest of the offerings are great Although your rating system should be a little more rewarding for what you count as B grade No down payment first timers with poor location ARV scores get rated a B That type of risk should be a C and compensated accordingly
A

Good but offering rates should float against the 10 yr

Overall great service however the loan rates have not changed and the risk free rate of return has doubled in the last 8 months Given the multitude of headwinds for the real estate market I would expect spreads to widen not contract
W

Good way to diversify

I have had a good experience investing here Some of the loans that are not repaying and holding gains for me and I am going to guess other investors down simply are an affect of current events I think I will watch the economic climate continuing forward with investing like this but I think that is true with anything one invests into now a days Has been a good way for me to diversify my portfolio
L

Glad I found Groundfloor

I m very happy with Groundfloor s choices of investments and the platform is easy to use When I contact support I get instant response which is great Sometimes though I wish Groundfloor would reach out to investors when an investment is in trouble Totally love the Stairs investment wagon
B

Customer service is top notch real

Customer service is top notch real person answers the phone fixed the problem in a minute

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.