Open Groundfloor Account

Groundfloor is an online real estate credit marketplace for individual investors and advisors who want exposure to property-backed loans without owning or managing real estate. It offers short-term Notes and an automated Flywheel Portfolio that diversifies your capital across dozens to hundreds of first-lien loans and reinvests returns for compound growth.

Key Features

Flywheel Portfolio: an automatically managed portfolio that reinvests repayments and rebalances to seek long-term compounding.

Low minimums: start investing with just $100, making private real estate credit accessible to smaller investors.

Multiple Note terms: choose 1-month, 3-month, or 12-month Signature Notes (the 12-month Signature Note is marketed at 8.5%).

First-lien collateral: loans are secured by real residential property to reduce downside risk compared with unsecured credit.

Automatic diversification: investments are spread across many loans, geographies, borrowers, and property types to lower single-deal risk.

Flexible liquidity and payouts: weekly or monthly interest payments with options to auto-renew or withdraw capital at maturity.

Simple onboarding: account setup and bank linking via Stripe; recurring transfers supported for automated investing.

Best For

Retail investors seeking passive income from real-estate-backed loans without owning property.

Investors who want low-minimum access to private credit and automated diversification.

Those targeting short- to medium-term fixed-term investments (monthly to 12-month horizons).

Busy investors who prefer set-and-forget portfolios with reinvestment and rebalancing handled for them.

Category: Finance

Pricing model: $50