Groundfloor Finance review
Updated September 30, 2026 · BrokerCue Editorial Team · Facts checked September 30, 2026
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Our verdict
Groundfloor Finance suits you if you want property backed notes with a modest entry point and a stated target return of 9%. You lock money until maturity with Secondary market absent, so plan for limited liquidity while you hold notes issued by Groundfloor Finance Inc. in the market.
Key facts
- Best for
- Investors seeking property linked notes with low entry and set maturity.
- Target return
- 9% (Source, checked September 30, 2026)
- Minimum investment
- $10 (Source, checked September 30, 2026)
- Secondary market
- No (Source, checked September 30, 2026)
- Legal entity
- Groundfloor Finance Inc. (Source, checked September 30, 2026)
- Headquarters
- United States (Source, checked September 30, 2026)
- Founded
- 2013 (Source, checked September 30, 2026)
- Support channels
- Email, Help-centre (Source, checked September 30, 2026)
- Official website
- groundfloor.com
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Stated target return of 9% gives a clear yield anchor for property loan notes.
- Support through email and help centre gives written help plus self serve guides for common tasks.
- US base in US sets clear context for the operator behind the offering.
- Comparison with Percent helps frame value, with 20% shown beside 9% for yield context.
Cons
- Liquidity is limited because Secondary market is absent, so you must hold until repayment.
- Support runs on email and help centre only, so direct calls are outside the stated setup.
- Stated target of 9% sits below 20% from Percent and 10% to 12.9% from Fingood.
Who it suits
- Investors wanting property loan exposure with entry at $10.
- Holders comfortable until maturity since Secondary market is absent, unlike Lenme for flexibility.
Who should look elsewhere
- Those needing early exit should skip it because Secondary market is absent, unlike more liquid options.
- Those chasing higher stated yield may prefer Percent since 20% exceeds 9%.
Returns and risk
Groundfloor Finance centres on property linked notes with a stated target return of 9%. The figure describes what the loan pool aims to deliver, not what you will receive in all cases. Repayment depends on borrower behaviour, project progress and timing, so outcomes can sit above or below the aim. You should view the target as guidance for planning, then look at loan terms, duration and diversification before committing funds. Secondary market is absent, which shapes risk in a direct way. Without a venue to list notes early, you remain tied to the loan schedule until funds return. That lock can suit holders who prefer defined maturities and regular review of new issues. It is less suited to those who may need quick access to cash or who like to adjust exposure during market stress. Illiquidity also affects how you manage concentration. Spreading across many notes can soften the effect of late payment or loss on a single loan, while keeping position sizes aligned with your wider savings and investment mix. You should also allow for delays, extensions and workout steps that are common in property lending. The appeal lies in the trade between yield aim and patience. A stated target return of 9% may look attractive beside cash holdings, yet it comes with credit exposure and limited exit. Weigh the income goal against tolerance for delay and loss, keep reserves elsewhere for near term needs, and treat each note as a commitment held to maturity.
How it compares on our data
On the data used for comparison, Groundfloor Finance ranks at 1 among 8 brands on entry level. That placement signals an accessible start relative to peers, which can help if you want to build exposure gradually or test the format with modest sums. Low entry does not alter loan risk, yet it supports broader spread across issues and maturities. On yield aim, the placement is 3 among 3 brands. The middle of that small set suggests a measured target rather than an outlier high quote. Readers often weigh those placements together. An accessible entry paired with a mid set yield aim points to steady participation rather than pursuit of maximum headline return. It may appeal if you value the ability to diversify, reinvest repayments and learn how maturities behave across cycles. It may feel less compelling if your priority is the highest stated figure in the group. Context matters when reading ranks. The entry comparison covers 8 brands, giving a wider view of accessibility, while the yield comparison covers 3 brands, so small shifts can move the order. Use the ranks as a starting guide, then assess loan supply, duration mix and your own liquidity needs before deciding how Groundfloor Finance fits beside other options.
The company behind it
The service is offered by Groundfloor Finance Inc., with a home base in the United States. The firm dates its founding to 2013, which provides background on operating time in property lending. That context helps you place the brand, although current loan quality, terms and communication matter more for day to day decisions. Company details also frame how you interact with the platform. Support is provided through email and help centre. Email gives a written route for account or payment queries, while the help centre covers common questions on funding, holdings and repayments. The setup suits investors comfortable with self serve research and written contact. Those who prefer voice help or live chat may find the choice narrow. When reviewing the operator, look at clarity of loan descriptions, ease of tracking repayments and consistency of updates. A US base in US sets expectations on language, documentation and service hours. The founding date of 2013 adds historical context, yet prudent review still rests on present disclosures from Groundfloor Finance Inc., the breadth of guidance in the help centre and responsiveness through the stated support routes.
How Groundfloor Finance compares
9.5 vs 9.0
9.5 vs 9.4
9.5 vs 8.7
MarketScreener
9.5 vs 9.4
9.5 vs 8.7
9.5 vs 9.0
9.5 vs 9.3
9.5 vs 8.7
9.5 vs 8.6
9.5 vs 9.2
9.5 vs 8.7
Kitco
9.5 vs 9.1
9.5 vs 9.0
9.5 vs 9.0Pepperstone
Vaulted
wikifolio.com
Intellectia
Winvest
Libertex International
XM VN
Where Groundfloor Finance is available
- Available
- United States
Countries from the brand (Source, checked September 30, 2026)
Frequently asked questions
What return does Groundfloor Finance aim for+
Groundfloor Finance states a target return of 9%. That figure is an aim tied to property loans, not a promise, and actual results can vary with borrower performance and timing of repayments.
Can notes be sold before maturity+
Secondary market is absent, so you cannot list notes for early sale on the platform. You should expect to hold each note until the loan repays, and plan cash needs around that lock.
How much is needed to start investing+
The stated entry level is $10. That low threshold lets you spread funds across multiple notes, although each loan still carries credit risk and possible delays in repayment.
How can investors contact customer support+
Help is provided through email and help centre. You can send a message by email or browse guides in the help centre for account, funding and repayment questions.
Which firm operates the platform+
The operator is Groundfloor Finance Inc., based in the United States. Knowing the legal entity and home base helps you understand where terms apply and which support routes are offered.
How long has the service been running+
The platform dates its founding to 2013. That history gives background on operating time, though it does not remove loan level risk or the need to review current offerings.
How does entry compare with Lenme+
Groundfloor Finance entry is $10, while Lenme sets $50. The gap may matter if you prefer to test with a smaller amount or to diversify across many notes.
Sources
- groundfloor.com checked September 30, 2026
Backs: Founded, Minimum investment
“Since 2013, Groundfloor has facilitated”
- groundfloor.com/contact-groundfloor checked September 30, 2026
Backs: Headquarters, Support channels
“1201 Peachtree St NE, Suite 1104 Atlanta, GA 30361”
- groundfloor.com/notes checked September 30, 2026
Backs: Secondary market
“Notes are held to maturity by design”
- groundfloor.com/terms checked September 30, 2026
Backs: Legal entity
“Groundfloor Finance Inc., a Georgia Corporation”
- join.groundfloor.com checked September 30, 2026
Backs: Target return
“9% target return based on a 11.54% average return”
Compiled from 5 source pages, checked September 30, 2026. We did not open an account.
Not confirmed yet: Buyback guarantee.
Related by the facts
Groundfloor Finance
Investors seeking property linked notes with low entry and set maturity.