Fixed Income 
That Outperforms CDs by 4x

The Diversification Your Portfolio Needs

Your portfolio is likely split between two areas: volatile public stocks and underperforming bank products. What’s missing is real, asset-backed fixed income that delivers.

Private real estate credit
Most investors never get access to it — even though it has historically produced strong, consistent returns. It’s typically reserved for those with $100K+ minimums and restrictive requirements.

Maximum flexibility
Perfect for short-term goals
Deferred interest


$100 Minimum

1 Month Note

4.75%

Fixed Return

Quarterly returns
Balance liquidity yield
Deferred interest


$100 Minimum 

3 Month Note

5.75%

Fixed Return

12 Month 

Highest return
Annual strategy
Monthly interest


$1,000 Minimum 

8.25%

Fixed Return

Signature

Note

Start Investing

*All investments involve risk. Notes pay interest at maturity. Rates shown as of December 2025 and may vary monthly based on market conditions. Notes are not savings accounts, are not insured, and are not issued by a bank.

Start Investing
notes-dash

Groundfloor changes that
This isn’t speculation — it’s proven. $2.2B funded. 99% principal protection. 12+ years of performance. Institutional-grade private market access, now available with flexible minimums and zero investor fees.

Liquidity Without the Lockups

Access To Private Markets 
That Were Once Off-limits

house-profile

Institutions have known it for decades: private real estate credit delivers.

For years, only institutional and ultra-wealthy investors could access it — thanks to $100K minimums, accreditation rules, and long lockups. Everyday investors were left with 2% CDs.

Groundfloor changes that. Same underwriting. Same first-lien security. Same institutional-grade diligence. Now available with low minimums and zero investor fees.

This is the fixed-income allocation your portfolio has been missing—uncorrelated with stocks, yielding more than bonds, and backed by real collateral.

Institutions have benefited for decades. Now you can too.

CDs lock you in, and early withdrawals erase returns. 

Notes operate differently. 

They auto-renew for effortless compounding, with a 7-day opt-out before each renewal. Opt out, take your money, no penalties, full principal and interest returned.

Pick Your Term. Lock In Your Return.

Why Banks Are Cutting Rates
(And Why We’re Not)

The Federal Reserve cut interest rates, and banks immediately responded by slashing CD yields. What paid 5% in 2023 now offers just 2–3% in 2025.

Groundfloor Notes is at 8.25%. That’s because we’re not a bank.

Your capital goes to work immediately—funding real estate renovation loans with fixed interest rates up to 8.25% APY. No market volatility, no Fed surprises, just predictable returns backed by real property.

The Trend Is Clear

Banks follow the Fed. We follow private market fundamentals. And right now, that means you earn 4X more than the average bank CD.

Groundfloor Signature Note: 8.25%
2026: CDs now dipping below 2%
2025: Rates continuing to fall to 2-3%
2024: Top CDs dropped to 4%
2023: Top CDs paid 5%

Start Investing

Earn up to 8.25% with short-term, fixed income Notes backed by real estate. High yields without long lockups.

© 2025 Groundfloor. All rights reserved.


A copy of these materials may also be obtained for free on the SEC’s website at www.sec.gov.

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OFFERINGS FOR SECURITIES UNDER REGULATION A ON THIS WEBSITE ARE CURRENTLY OPEN TO ALL US RESIDENTS WHERE THE ISSUER HAS FILED STATE NOTICE. The information on this website does not constitute an offer to sell any securities identified herein in any state or jurisdiction in which the issuer is not qualified to do so. Securities are offered and sold under Regulation A of the Securities Act of 1933 (“Regulation A”) only to investors who are residents of the states in which Groundfloor Finance Inc. (“Groundfloor ”), or one of its affiliates has either qualified an offering statement under Tier 1 of Regulation A or made notice of its intent to offer and sell securities under Tier 2 of Regulation A. Groundfloor, or its affiliates, may also offer securities to accredited investors where such investors are duly qualified.



In some cases, Groundfloor or one of its affiliates has filed offering circulars and post-qualification amendments (or “PQAs”) (including supplements to such filings) with the Securities and Exchange Commission (the “SEC”) covering the above referenced Offering Circulars. An investment in any of the securities we sell entails risk of loss, and you may lose all or part of your investment. Each investor should carefully consider the risk factors and other information discussed in the qualified offering circulars/PQAs (and current supplements, if any) before purchasing securities. Some statements in the offering circulars/PQAs and on this website may contain forward-looking statements and are based upon current expectations, plans, estimates, assumptions, and beliefs that involve numerous risks and uncertainties. Although Groundfloor believes that the expectations reflected in such forward-looking statements are based on reasonable assumptions, actual results and performance could differ materially from those set forth in the forward-looking statements. You should consult with your own attorneys, accountants, and other professional advisors prior to making an investment.



The information on this website does not constitute an offer to sell or a solicitation of interest in any securities that may be qualified in the future. No money or other consideration is being solicited with respect to any securities that have not been duly qualified, and if sent in response, will not be accepted. No offer to buy any securities that have not been duly qualified can be accepted and no part of the purchase price can be received until an offering circular/PQA covering such securities has been qualified by the SEC.



Any such offer to buy unqualified securities may be withdrawn or revoked, without obligation of any kind, at any time before notice of its acceptance is given after the date of qualification. An indication of interest in our offerings involves no obligation or commitment of any kind. The information contained in the Offering Circular and offering materials presents a general summary of the business and the purpose and principal business terms of an investment in our securities.

This summary does not purport to be complete and is qualified in its entirety by reference to the more detailed discussion contained in the offering circulars/PQAs. Articles or information from third-party sources outside of this domain may discuss Groundfloor (or its affiliates) or relate to information contained herein, but Groundfloor and its affiliates do not approve and are not responsible for such content. Hyperlinks to third-party sites, or reproduction of third-party content, do not constitute an approval or endorsement by Groundfloor or any of its affiliates of the linked or reproduced content. Neither the SEC nor any state securities commission or regulatory authority approved, disapproved, endorsed, or recommended the merits of the offering described in the offering circulars/PQAs or reflected on this website. Groundfloor’s services do not constitute “crowdfunding” as described in Title III of the Jumpstart Our Business Startups Act (“JOBS Act”).

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Source: Bankrate. “Current CD rates for April 2026.” 1-year CD yield: 1.9% APY

Real Estate Investing 
& Private Market Insights

Groundfloor Launches 9.25% Preferred Note for Fixed Income Real Estate Investing

Beyond CDs and Savings Accounts: Private Market Notes Are Reshaping Fixed Income Investing in 2026

Groundfloor Investment Insights 
– Q1’ 2026

Read ArticleRead ArticleRead Article

Liquidity
Stack three 3-month Notes, spaced 30 days apart, to create monthly access to capital while earning 5.75%.

Income
Choose Signature Notes at 8.25% to earn monthly interest while your principal continues to renew.

Stay informed with market trends, investing strategies, and updates to help you make smarter decisions.

Emergency Savings
Use 1-month Notes with auto-renew to stay invested while keeping short-term access, earning 4.75%.