Groundfloor

★★★★☆ 4.1/5 · Founded 2013

Groundfloor is a real estate debt investment platform open to all investors (accredited and non-accredited) that offers fractional investment in residential renovation loans. With a $10 minimum investment, investors earn 8%–15% annualized returns on short-term fix-and-flip loans graded A through G. Groundfloor charges no direct fees to investors — earnings come from the spread on loan interest.

Pricing

Plan	Price	Features
Standard	Contact	$10 minimum investment, No investor fees — Groundfloor earns from loan spread, 0.25% disbursement fee for investors, 2.75%–4% interest on loans to borrowers, 8%–15% expected annualized returns, Short-term loans (6–12 months typical), Non-accredited investors accepted

Pros

• Only $10 minimum to start — lowest in the industry
• Open to non-accredited investors
• No direct management fees for investors

Cons

• Debt investments carry default risk on renovation loans
• Returns can vary — some loans experience delays
• Platform diversification requires active management

Best For

Everyday investors seeking high-yield short-term real estate debt investments with the lowest minimum in the market

Visit Groundfloor →