Lately, there’s been a lot of noise about real estate prices, market shifts, and how investors should react. Let’s cut through the chatter and get straight to what matters—for you and for your money.
Groundfloor was built for times like this. Here’s why.
A Decade of Delivering Through Every Market Cycle
Since 2013, Groundfloor has weathered economic headwinds most platforms never faced: rising interest rates, inflation spikes, housing market corrections, even government shutdowns and pandemic-era uncertainty. Through it all, we’ve delivered what investors value most—consistent, real returns backed by real assets.
While other investments swing wildly with the stock market or depend on speculative home appreciation, Groundfloor offers a more stable alternative: short-term, real estate-backed loans. These investments are designed for predictability, with built-in protections like first-position liens and conservative underwriting.
The Track Record to Back It Up
Across over a decade of market shifts, Groundfloor investors have consistently earned 9–10% annualized returns—even when the S&P 500 and other benchmarks dipped or sputtered.
To date, investors on the platform have earned over $66 million in net cash returns, with net positive earnings delivered every single quarter.
With over $1 billion in residential transition loans originated and more than a decade of experience managing them, Groundfloor has maintained a historical principal loss ratio of less than 1%. That’s the strength of our underwriting—and the reason investors continue trusting Groundfloor to deliver year after year.
.png?width=615&height=361&name=LRO_S%26P%20(1).png)
.png?width=615&height=361&name=Note_GFNote%20(1).png)
That level of consistency isn’t luck. It’s the result of a disciplined model built for resilience. Where other platforms chase growth at all costs, we stay focused on what works: protecting capital, generating cash flow, and providing steady returns.
Real Results in Real Time
As markets adjust, Groundfloor adapts—with smarter underwriting, responsive pricing, and a platform built to navigate change. Right now, we’re focused on:
- Building diversified portfolios that emphasize durability over hype
- Prioritizing timely repayments and cash flow
- Adding new loans weekly to keep capital working
- Maintaining transparency on asset performance and recovery timelines
This is not a moment to retreat. It’s a moment to lean into investments that prioritize durability and income—and that’s exactly what we offer.
Backed by Trust, Built for the Long Term
You’re not just trusting a platform. You’re partnering with a company recognized for its growth, resilience, and leadership. In 2024 alone, Groundfloor was:
- Named to the Forbes Fintech 50 (only one of two real estate companies nationwide and the only one in Georgia)
- Included on the Inc. 5000 List of Fastest Growing Companies for the fifth year in a row (No. 1,333 in 2024)
- Ranked No. 253 on the Deloitte Technology Fast 500
- Honored with the Atlanta Business Chronicle Pacesetters Award
- Listed No. 8 on the Georgia Fast 40 (lower middle market category)
- A finalist for IMN’s Fix-and-Flip/DSCR Lender of the Year
- A finalist in the Benzinga Fintech Awards (Alternative Investing category)
These honors reflect what investors already know: Groundfloor has the staying power, leadership, and proven track record to perform, no matter the market cycle. We're not new to volatility. We're built for it.
Your Capital, Always Working
Whether you’re investing loan-by-loan or through Flywheel—our automated reinvestment product—your money is always put to work. Flywheel simplifies reinvestment, and keeps cash flowing. It’s one more way we help you stay fully invested and earning, without the idle periods or unnecessary drag that plague other platforms.
Built for This Moment—and the Next
Strong investments don’t shy away from volatility—they outperform through it. Groundfloor was created to offer a better way to grow wealth: with transparency, security, and real cash flow, even when markets are uncertain.
So if you’re asking, “Is now the time to invest?”, we say: It always is—when you’re invested in the right place. Let’s keep building.