Groundfloor is an Atlanta-based Financial Services company focused on real estate investing for everyday investors. Instead of buying entire properties or traditional real estate funds, users can put money into portions of short-term, real estate–backed loans through Groundfloor’s online platform and app.
The business connects individual investors with real estate developers who are financing residential renovation, construction, or improvement projects. Investors choose specific loans that match their risk tolerance and time horizon, building a portfolio of real estate debt without needing to manage property directly.
Groundfloor is built for people who want exposure to real estate but prefer a self-directed investing approach:
Developers and real estate entrepreneurs also use Groundfloor as a funding source for qualifying projects, allowing them to raise capital while investors earn potential returns based on loan performance.
| Aspect | Description |
|---|---|
| Business Name | Groundfloor |
| Location | Based in Atlanta, Georgia |
| Category | Financial Services |
| Sub-Category | Investing – real estate–backed lending |
| Main Users | Individual investors and residential real estate developers |
| Access Method | Online investing platform and mobile app |
| Investment Type | Portions of short-term, real estate–secured loans |
Groundfloor evaluates and underwrites residential real estate projects, assigning them a grade based on risk factors such as property type, borrower history, and project details. These loans are then listed on the platform, where investors can:
Repayment to investors is tied to the borrower paying back the loan, usually when a project is refinanced or sold. Because these are secured loans, the underlying property serves as collateral, a key distinction from many other Financial Services products.
As an Atlanta-grown platform, Groundfloor sits at the intersection of Investing, fintech, and local real estate activity. It offers a structured way for non-institutional investors to participate in areas traditionally limited to private lenders or large firms.
For Atlantans who want more control over their portfolios, Groundfloor provides transparency into each project, digital tools for monitoring investments, and access to real estate–backed opportunities without becoming a landlord. Within the broader Financial Services category, it stands out as a specialized option for investors seeking a more hands-on, project-level approach to real estate investing.