Get Started in Minutes
Create your account through our secure app or on our website.
Make Your First Move
Your initial transfer goes straight to work in the Flywheel Portfolio.
Watch Your Wealth Grow
Monthly returns automatically reinvest, or withdraw anytime.
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Set Your Growth Strategy
Automate your success with recurring transfers.
Your Friend Just Unlocked Private Credit Access (+ $50) for You
Someone who values smart investing invited you to Groundfloor.
That invitation is worth real value: a $50 welcome bonus* when you start,
plus access to private real estate credit that builds passive income.
3 simple ways to build wealth at Groundfloor
Investment Products for
Both New and Experienced Investors
See What Investors Have To Say
An efficient way to get started. The Flywheel Portfolio is an automatically managed real estate loan portfolio with consistent returns and weekly payouts.
Flywheel Portfolio
Start your real estate portfolio by investing in Loans, short-term, property-backed loans to home builders and renovators.
Loans
Start with 1-month or 3-month Notes, or maximize returns with our 12-Month Signature Note at 8.5%.
Real collateral, real income.
Notes
"Groundfloor answers the common investor dilemma. How to invest in Real Estate and get the banks out of our profits. Example: I invested $1,500 on 7/26/22. Got paid of $195 (13% interest rate)"
Paul, Groundfloor User Since 2022
"Groundfloor provides an easy way to set up a diversified investment into various real estate properties. You can choose your level of risk from lower yielding A-rated projects and higher yields."
~Sarah, Groundfloor User Since 2023
Engineered for Better Returns
Who are we? We've helped 280,000+ investors fund loans to small real estate developers who pay interest. This approach has generated $1.8B+ in loans and delivers consistent returns without owning property.
Your investments are secured by real homes, spread across 100+ carefully selected loans, and optimized for steady returns—allowing busy investors to grow wealth efficiently with the Flywheel Portfolio.
Start with just $100 and our system automatically diversifies your investment across multiple loans, reinvests returns, and rebalances without effort.
**Terms and conditions apply.
**Past performance does not guarantee future results.
Borrow
Groundfloor Lending
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Maximum flexibility
Perfect for short-term goals
Deferred interest
$100 Minimum
1 Month Note
5.0%
Fixed Return
Maximum flexibility
Perfect for short-term goals
Deferred interest
$100 Minimum
3 Month Note
6.0%
Fixed Return
12 Month
Signature Note
Highest return
Annual strategy
Monthly interest
$1,000 Minimum
8.5%
Fixed Return
What you're getting access to:
Groundfloor Notes—Build Passive Income on Your Timeline
Fixed-term investments delivering 5%, 6%, or 8.5% based on your schedule.
Choose 1-month Notes for maximum flexibility, 3-month for quarterly returns, or 12-month Signature Notes for highest yield with monthly interest payments. Every dollar secured by real estate collateral. Auto-renew to compound your returns or opt out for liquidity—your capital, your control.
Flywheel Portfolio
9-10% IRR
Over 3 Years
Automatic diversification
across 100+ loans
Returns build gradually
$100 minimum to start
Your capital diversifies instantly across geographies, borrowers, and property types—dramatically reducing single-deal risk.
Institutional-quality real estate credit, historically reserved for large investors, now open with flexible minimums.
Private Market Access
Diversified
Flywheel can reinvest repayments from hundreds of private real estate loans to help investors grow their wealth over time.
Build Wealth
Fully Managed
Flywheel can reinvest repayments from hundreds of private real estate loans to
Flywheel Portfolio—Long-Term Compounding Growth
Target 9-10% IRR over 36 months through automatic diversification across hundreds of first-lien real estate loans. Returns build gradually as loans mature and reinvest, creating momentum that strengthens over time. Set it once and let your portfolio compound.
Here's what your friend already discovered: 270,000+ investors building wealth through Groundfloor's portfolio of products—all backed by first-lien positions on residential properties, not promises or speculation.
Getting Started
has never been easier
Investment Products for
New and Experienced Investors
Which financial future matches your goals?
