Groundfloor

Groundfloor is an Atlanta-based real estate investing platform founded in 2013 by Brian Dally and Nick Bhargava. It went live in 2015 as the first Reg A+ qualified platform to allow non-accredited investors to participate directly in short-term, high-yield real estate debt investments — historically an asset class available only to institutional lenders and ultra-high-net-worth investors. As of early 2026, Groundfloor has facilitated over $1.7 billion in residential real estate loans across 3,500+ properties, paying out more than $125 million in interest to its community of 250,000+ investors.

The platform operates on a loan-by-loan model: each property is a separate offering, typically funding fix-and-flip or bridge loans for residential real estate investors. Investor capital is pooled to fund each loan, and investors earn interest payments monthly at rates ranging from 6% to 14% APR depending on the loan's risk grade (Groundfloor rates each loan A through G). Loans are short-term, typically 6–12 months, and investors can build a portfolio of dozens of loans with a $10 minimum per loan and no overall account minimum. Groundfloor also operates a newer Stairs by Groundfloor app that auto-allocates capital across loans at 4%–6% floor rates — a more passive, savings-like experience compared to the main platform.