Predictable Returns That Deliver
Borrow
Groundfloor Lending
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Maximum flexibility
Perfect for short-term goals
Deferred interest
1 Month Note
4.75%
$100 Minimum
Fixed Return
*Rates shown for CDs and Treasuries are sourced from Bankrate’s published national averages/market yield data (accessed 1/2026) and are provided for informational comparison only.
Groundfloor Notes are fixed-term investments (30, 90, or 365 days) backed by first-lien real estate positions—think CD-level simplicity with 4x better returns.
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.
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Earn up to 8.25% with short-term Notes backed by real estate.
Limited Time Offer: Invest $1,000 or more and receive a $100 account credit. Choose the 12-Month Signature Note to lock in today's fixed rate. Rates are subject to change
3 Month Note
5.75%
$100 Minimum
Quarterly returns
Balance liquidity yield
Deferred interest
Fixed Return
Maximum flexibility
Perfect for short-term goals
Deferred interest
12 Month Signature Note
8.25%
$1,000 Minimum
Highest return
Annual strategy
Monthly interest
Fixed Return
12 Month
Signature Note
Why Groundfloor Notes?
Since 2018, Groundfloor Notes have delivered a perfect track record: 100% of investors have received positive returns, with every payment of principal and interest arriving in full and on time.
While traditional fixed-income investments struggle to reach 2-3%, Notes deliver up to 8.25% through diversified, first-lien real estate loans.
For investors building resilient portfolios beyond stock market volatility, this is steady income backed by real assets and proven results for nearly seven years.
Quarterly access:
Stack three 3-month Notes purchased 30 days apart to earn 5.75% with monthly maturing capital
Emergency Fund:
Auto-renewing 1-month Notes earn 4.75% while keeping cash accessible
Income Focus:
The 12-month Signature Note earns 8.25%, with monthly interest payments while principal renews
Designed for How Investors Use Cash
Traditional fixed-income investing forces a tradeoff: lock up capital for meaningful returns, or sacrifice yield for accessibility. Groundfloor Notes eliminate that compromise with defined timelines, fixed returns, and real liquidity.
Why Investors Choose Notes
The average 12-month CD pays around 2%. Groundfloor’s Signature Note delivers 8.25%, with monthly interest payments.
Why Investors Choose Groundfloor
Every Note is backed by diversified, first-lien real estate loans professionally underwritten and managed by Groundfloor. Investors are accessing private real estate credit - an asset class institutions use for fixed income - now available with 12-month liquidity and low minimums.
Source: *Rates shown for CDs and Treasuries are sourced from Bankrate’s published national averages/market yield data (accessed 1/2026) and are provided for informational comparison only.
Frequently Asked Questions
Use Notes however your strategy requires:
You design the structure. Notes adapt to your liquidity needs—not the other way around.
Founded in 2013, Groundfloor was the first platform to receive SEC qualification for real estate investing, making private real estate credit accessible to all investors through Regulation A.
Groundfloor manages the entire investment lifecycle—from underwriting to servicing—backed by real assets rather than market speculation. Across its investment products, the platform has delivered historically positive performance while prioritizing transparency, risk management, and investor control.
Traditional fixed-income investing forces a tradeoff:
lock up capital for meaningful returns, or sacrifice yield for accessibility. Groundfloor Notes eliminate that compromise with defined timelines, fixed returns, and real liquidity.
Why Investors Choose
