Groundfloor

Groundfloor is an American real estate investing and lending marketplace based in Atlanta, Georgia. It offers a platform for self-directed investors to participate in short-term, high-yield real estate debt investments without the need to purchase property or manage tenants. Investors can start with as little as $100, choosing from various real estate-based investment products or opting for an automated, diversified portfolio. As borrowers repay their loans, investors earn interest, with the option to withdraw funds or reinvest in new opportunities upon project completion.

The company provides several investment options, including the Flywheel Portfolio, which automatically diversifies investments across hundreds of real estate loans, and individual Loans, allowing investors to hand-pick specific real estate projects. Additionally, Groundfloor offers Notes, which are short-term investments with predictable returns and set repayment dates. Each loan is backed by real property, adding a layer of security for investors.

Since its inception in 2013, Groundfloor has facilitated over $2.2 billion in investments and earned more than $80 million in interest on repaid investments. The platform is designed to be accessible to all investors, regardless of accreditation status, and has been recognized for its regulatory innovation and transparency in the fintech industry. In 2024, Groundfloor was named to the Forbes Fintech 50 list, highlighting its impact on reshaping portfolios and capital markets.