Capital Solutions For Real Estate Entrepreneurs and Investors

GROUNDFLOOR was founded on the idea that private capital markets should be open to individual investors, regardless of their wealth or financial status. As a result, we are not reliant on traditional financial institutions for our lending capital, and can continue financing deals and offering new investments on the platform, even in times of crisis.

GROUNDFLOOR is the only direct lender offering crowdsourced capital for short-term residential real estate loans.  

This means that you get access to more flexible and cheaper capital than a traditional bank or hard-money lender.

Plus, our unique Deferred Payment option gives you more control and the most cash on hand. 

If you need an evaluation of your project funding needs, it is likely we have a project finance solution that meets your criteria. After a consultation, we will supply you with the necessary documentation to get your project funded. 


  • Low rates and roll points into closing
  • True Deferred  payments – NO payments  until loan repays
  • Loan sizes from $75,000 to $350,000+
  • Up to 90% Loan-to-Cost, depending on experience
  • Competitive Loan-to-After Repair Value
  • 6, 9, and 12 month Terms
  • No minimum transactions experience required
  • 5 year look back for experience
  • Minimum property value $50,000
  • Minimum credit score of 640
  • All loans will be Full Recourse Loans with Personal Guarantees

Whether this is your first project or you have multiple projects going at once, we have a solution for your financing needs. If you have any deals you want to discuss, reply to this email or call our experienced Borrower Services team at (704) 749-0298.

You can also submit a loan application online to get started.

We believe that a critical mass of individual investors can make a difference, keep capital flowing, and therefore keep an important part of our economy moving. When lending is financed through millions of individual decisions, we are free.

Discover the benefits of  the GroundFloor Advantage.