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Overview
Groundfloor provides a real estate debt investing platform that allows both accredited and non-accredited investors to invest in short-term, high-yield real estate loans on a fractional basis. It sources and assesses real estate loans, fractionalizes each loan, and lists the small loan pieces for investors to purchase based on risk and return preferences. Investors earn interest as loans repay, while Groundfloor collects borrower fees and takes a small percentage of the loan amount as revenue. Typical returns run around 12% annually for six- to twelve-month terms. Groundfloor’s approach differs from many competitors by offering access to real estate debt investing for non-accredited investors, enabling fractional ownership of loan pieces rather than equity stakes, and focusing on short-duration, high-yield notes. The company aims to make real estate investing accessible to everyone by lowering traditional barriers to entry and enabling a broad range of investors to participate.
About Groundfloor
Industries
Fintech
Financial Services
Real Estate
Company Size
51-200
Company Stage
Late Stage VC
Total Funding
$51.7M
Headquarters
Atlanta, Georgia
Founded
2013
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Simplify's Take
What believers are saying
- Over $800M invested with 10% average annual returns and 200K+ users since 2013 founding by Brian Dally and Nick Bhargava.
- Spanish-language financing program launched in 2024 targets residential fix-and-flip entrepreneurs, expanding access for non-English speaking real estate investors.
- Groundfloor Labs now manages $10M in assets under management creating diverse deal types like construction equity and rental equity for retail investors.
What critics are saying
- Investors bear 95% of loan costs while Groundfloor assumes no risk, with only 1/3 of loans performing as advertised and actual returns at 6.6%.
- Groundfloor loans exclusively to LLCs, meaning investor restitution is limited solely to the property value, increasing exposure to loss defaults with no recourse.
- Crowdfunding capital raises via Wefunder may fail to attract sufficient growth capital due to market saturation and investor skepticism over past performance discrepancies.
What makes Groundfloor unique
- Groundfloor is the first SEC-qualified company to issue payment-dependent real estate notes for accredited and non-accredited investors.
- The platform offers short-term, high-yield real estate debt notes with 1–12 month fixed terms and 8–15% annual returns.
- Groundfloor Labs Partnership Program launched in 2023 supports entrepreneurs by providing access to its $1B+ investor base and regulatory expertise.
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Funding
Total Funding
$51.7M
Below
Industry Average
Funded Over
14 Rounds
Benefits
Remote Work Options
Flexible Work Hours
Growth & Insights and Company News
6 month growth
↑ 14%1 year growth
↑ 14%2 year growth
↑ 22%Today, Groundfloor Inc. is thrilled to announce the launch of Groundfloor 3.0, the future of real estate investment.
Groundfloor is Hiring for 3 Jobs on Simplify!
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About Groundfloor
Industries
Fintech
Financial Services
Real Estate
Company Size
51-200
Company Stage
Late Stage VC
Total Funding
$51.7M
Headquarters
Atlanta, Georgia
Founded
2013
Groundfloor is Hiring for 3 Jobs on Simplify!
Find jobs on Simplify and start your career today