(4 Reviews)






Stairs is a new type of app that combines the easy access of a savings account with the real returns of investing.

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4.5% - 12%

Asset Class Return1Y

#20 Rank

In Lending30d


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Stairs puts your money to work in an investment backed by real assets, and your money plus interest is repaid into your account every five days. If you need to withdraw your money, you can do so anytime, and there are no fees, ever.


Even though it offers the benefits of a traditional savings app, Stairs is actually a set-it-and-forget-it investing app that is backed by non-traded secured debt notes. Like CDs or bonds, debt notes offer consistent, fixed repayment dates and are backed by real, tangible assets (in this case, real estate).


The Stairs notes automatically repay and reinvest every 5 days. The interest rate offered on Stairs is set by GROUNDFLOOR and is based on market conditions and investor demand. The rate offered for the current 5 day investment window will appear on the main screen of the app when you sign in.

Things to Know

  • You make money on


  • Fees


  • Min Investment


  • Payout frequency

    Every 5 days

  • Term of investment


  • Target Return

    4% - 6%

  • Liquidity


  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Totally passive income: Stairs automatically repays and reinvests your money every five days, you never have to think about it.

  • Extremely easy liquidity: Stairs makes it easy to access your money - you can take it out at any time.

  • Higher returns than banks: The interest rate Stairs offers is many times higher than most other savings accounts offered by banks.

See inside MoneyMade’s 6-figure multi-asset portfolio


12+ Assets

50+ Platforms

4yr+ Returns

How you make money

Stairs puts your money to work in an investment backed by real assets, and your money plus interest is repaid into your account every five days.

How Stairs makes money

Stairs investments are used to fund GROUNDFLOOR's loan origination. GROUNDFLOOR makes money by charging borrowers a percent of the loan amount in interest for underwriting the loan.

Is it safe?

Stairs is the latest offering from GROUNDFLOOR, a company that was founded in 2013 and has since raised $16.8 million over seven rounds of funding. 


Stairs is not a bank and is not FDIC insured. Investments in Stairs notes are not a bank deposit. Stairs is not an investment advisor and is not registered as such by any regulatory agency. Information provided is for educational purposes and is not investment advice.


Financial projections shown within the app are based on estimated performance and are not guarantees of future results.

  • Established


  • Country Available

    US Only

  • Assets Managed


How You're Taxed

Income Tax

Income Tax

Profits earned from P2P Lending are taxed at ordinary income tax rates. This means that profits are added to your total income for the year.

You can receive income from P2P lending tax free if you invest using certain accounts.


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Reviews (4)


Easy to use. Guaranteed 4% return👍👍

Highly recommend. I earn 6% interest paid out every five days. Highly liquid and a fantastic savings account. Currently using to save for a car.

The app definitely still works contrary to what one reviewer stated. I've been using stairs for 6 months now, absolutely LOVE IT. The ability to invest in real estate and have your cash available to you 24/7 is great. I haven't found one other real estate investment platform that has this kind of liquidity. Oh and your investment compounds every 5 DAYS!!!