Groundfloor

Groundfloor

Fractional real estate loan investing platform

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.

Significant Headcount Growth

About Groundfloor

Simplify's Rating
Why Groundfloor is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

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

  • February 9, 2026 revenue hit $40 million, up 38.6% year-over-year.
  • June 8, 2026 SMB Growth Fund filled a $1 million cap in under two days.
  • July 2026 note offerings reopened with strong subscription, showing persistent retail and accredited demand.

What critics are saying

  • 4.71% uncured defaults and multi-year recoveries trap capital from 2024 through 2026.
  • Groundfloor's 2026 expansion beyond real estate debt dilutes focus and underwriting consistency.
  • If investor trust breaks, loan-originations collapse and the platform's marketplace model implodes.

What makes Groundfloor unique

  • Groundfloor is one of few SEC-qualified retail real-estate debt platforms since 2013.
  • 2025 dual-unit structure separates investing and lending, enabling faster product launches like SMB Finance.
  • Groundfloor offers non-accredited access at $10 minimum, unlike most private-credit competitors.

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Funding

Total Funding

$51.7M

Below

Industry Average

Funded Over

14 Rounds

Late VC funding comparison data is currently unavailable. We're working to provide this information soon!
Late VC Funding Comparison
Coming Soon

Benefits

Remote Work Options

Flexible Work Hours

Growth & Insights and Company News

Headcount

6 month growth

26%

1 year growth

26%

2 year growth

36%
PR Newswire
Aug 11th, 2026
Groundfloor ranks No. 2,864 on Inc. 5000 for seventh year with 109% revenue growth

Groundfloor has been ranked number 2,864 on the 2026 Inc. 5000 list of America's fastest-growing private companies, marking its seventh consecutive year on the list — an achievement reached by fewer than 1% of honorees. The Atlanta-based investing and lending platform recorded 109% revenue growth over three years from 2022 to 2025. The company has expanded beyond real estate debt into consumer credit, small business lending, and music royalties. More than 300,000 registered users have invested over $2.2 billion across Groundfloor's private market offerings since its founding in 2013. Groundfloor also ranked number 236 amongst financial services companies and number 131 among Georgia-based businesses on the Inc. 5000 list.

Groundfloor
Oct 14th, 2023
Investing with Groundfloor: A Beginner's Guide to Auto Investing

Today, Groundfloor Inc. is thrilled to announce the launch of Groundfloor 3.0, the future of real estate investment.

Hypepotamus, Inc.
Sep 18th, 2023
After 10 Years And $1 Billion In Investments, This Is How Atlanta-Based Groundfloor Is Growing Next

6. To reach the elusive 10 year mark, a startup needs to be much more than just a good idea. It needs a team that can navigate the startup through economic headlines and changing customer demands. Brian Dally and Nick Bhargava, co-founders of Atlanta-based Groundfloor, have reached the 10 year startup milestone by creating new financial products within the ever-evolving world of alternative investing. . With its origin dating back to the 2012 Jobs Act and the new funding opportunities created through the law, the wealthtech platform has helped accredited and non-accredited investors put $1 billion into real estate investment loans with more “stable” and “predictable” returns. The team is now rolling out its latest product, Groundfloor Labs, to build new opportunities within real estate.

Crowdfund Insider
Sep 15th, 2023
Groundfloor Celebrates Launch Of Labs Partnership Program

Real estate investing investment marketplace Groundfloor had a busy week. The company announced a partnership program after unveiling its Labs initiative at the Blueprint Conference. Groundfloor recently surpassed $1 billion in investments on its platform and is accelerating growth through the Labs partnership program. Labs opened in beta earlier this year and has $10 million in assets under management. The initiative is designed to support partner entrepreneurs as they develop new concepts and help them quickly bring financial products to market by distributing to an established audience of alternative investors. “For the past 10 years, Groundfloor has established a formidable track record in launching and scaling new alternative investment concepts for the mass market of individual retail investors,” said co-founder and CEO Brian Dally

Business Wire
Sep 1st, 2022
Groundfloor Inc. went public on Sep 1st 22'.

Today, Groundfloor, the award-winning wealthtech platform that allows everyone to build wealth through real estate, announced the opening of its annual campaign to raise growth capital for the company through a crowdfunded equity offering in partnership with Wefunder.

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