Groundfloor

Groundfloor is a crowdfunding platform founded in 2013 and based in Atlanta that offers real estate loans, fixed-rate Notes and alternative investments. Investors who are not accredited can buy 1-month, 3-month and 12-month Signature Notes at fixed rates of 5.0%, 6.0% and 8.0%, starting at $100 for the 1- and 3-month Notes and $1,000 for the 12-month Note, or fund individual loans (Limited Recourse Obligations, or LROs) from $10 each. Groundfloor states a 10% to 18% target IRR on individual loans; unlike the Notes, that is a target, not a fixed rate. Accredited investors can also buy Preferred Notes at 7.0% (6-month), 8.5% (12-month) and 9.0% (24-month), from $10,000 for the 6- and 12-month Notes and $100,000 for the 24-month Note, and Emerging Alternatives such as music royalties, auto finance and pre-IPO stock finance, with target IRRs from 12% to 18%. Groundfloor states there are no fees to invest in Notes or Loans; fees on its emerging-alternative and accredited products vary. The Flywheel Portfolio auto-investing product closed to new investment on July 7, 2026. A time-limited bonus runs through October 31, 2026: new money moved in from an outside account and invested between October 6 and October 31, 2026 earns a bonus paid on November 13, 2026 as a restricted reinvestment credit, of 0.5% on 6-month, 1% on 12-month and 2% on 24-month Notes, which applies to the Preferred Notes and the 12-month Signature Note. Risk-first, the headline is solvency. Groundfloor's independent auditor included a paragraph on substantial doubt about the company's ability to continue as a going concern in its reports on both the FY2024 and FY2025 audited financial statements ([FY2024 Form 1-K](https://www.sec.gov/Archives/edgar/data/1588504/000110465925029553/tm2510859d1_partii.htm), [FY2025 Form 1-K](https://www.sec.gov/Archives/edgar/data/1588504/000110465926038396/tm2610811d1_partii.htm)). Net loss attributable to Groundfloor was about $14.3 million in 2024 and $10.4 million in 2025, and the accumulated deficit was about $64.8 million at December 31, 2025. This is a warning about the operator itself, on top of the risk on any single borrower. Reported results improved: total revenue rose to $45.6 million in 2025 from $26.7 million in 2024, and it facilitated 1,182 developer loans versus 981 the year before, per the FY2025 Form 1-K. But the going-concern paragraph was repeated in the FY2025 audit report. Returns and losses come next. If a borrower defaults, Groundfloor says your return may be delayed or reduced. Groundfloor's homepage reports $2.2B+ facilitated, 300K+ investors and 100% of Groundfloor Notes repaid on time and in full (platform-reported); the earlier ~10% average annualized return and sub-1% loss ratio figures no longer appear on the pages we read, so we do not rely on them. Terms are fixed: Notes run 1 to 24 months and individual loans have terms as short as 6 to 12 months, and Groundfloor's pages do not describe an early-exit option, so treat capital as committed until maturity. Trustpilot shows a TrustScore of 1.9 out of 5 across 409 reviews as of September 25, 2026 ([Trustpilot](https://www.trustpilot.com/review/groundfloor.us)).