You’ve done the research, found a platform with a $10 minimum and double-digit advertised returns, and now you need to know whether the risks are actually worth it before committing real money. This Groundfloor review walks through how the platform actually works, what it costs, what it has historically returned, and where it carries real risk, so the decision to use it (or look elsewhere) is based on verified facts rather than marketing copy.<\/p>\n\n\n\n
Groundfloor received SEC qualification under Regulation A in 2015, which allows it to accept non-accredited investors. That history matters, because it means there is enough data to evaluate real performance rather than projections. This review draws on that data, Groundfloor’s own disclosures, and independent third-party analyses.<\/p>\n\n\n\n
Groundfloor is a real estate lending platform where individuals fund short-term, real-estate-backed loans rather than buying equity in property. Investors connect a bank account, add funds, choose individual loans or an automated portfolio, and then track interest payments as the underlying borrower repays.<\/p>\n\n\n\n
The platform specializes in residential debt investments, commonly known as fix-and-flip or hard money loans, according to an independent crowdfunding review<\/a>. Loan terms typically run 12 to 18 months, and investors earn interest rather than rental income or property appreciation.<\/p>\n\n\n\n Groundfloor’s Regulation A qualification is central to how it operates. The SEC defines accredited investors by reference to Rule 501 of Regulation D, and most Groundfloor offerings are structured so that non-accredited investors, who have not met those income or wealth thresholds, can participate too. Some newer products, discussed below, are restricted to accredited investors only.<\/p>\n\n\n\n Groundfloor offers three main ways to put money into its loan pool, and each has different mechanics, minimums, and liquidity<\/a>.<\/p>\n\n\n\n Core product types:<\/strong><\/p>\n\n\n\n LROs are structured as unsecured obligations of Groundfloor’s issuing entities. Notes carry a first-priority security interest in a pool of loans held by Groundfloor Yield LLC. This ranks ahead of the issuer’s<\/a> unsecured debt in a default scenario.<\/p>\n\n\n\n Fees vary by product, and investors need to check which structure they are using before assuming a number applies across the board.<\/p>\n\n\n\nTypes of Groundfloor Investments: LROs, Notes, and the Flywheel Portfolio<\/h2>\n\n\n\n
\n
Groundfloor Fees and Minimum Investment Requirements<\/h2>\n\n\n\n