Stairs
Stairs is a new type of app that combines the easy access of a savings account with the real returns of investing.
Highlights
4.5% - 12%
Asset Class Return•1Y
#20 Rank
In Lending•30d
Invest from
$1
Overview
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
Interest
Fees
0%
Min Investment
$1
Payout frequency
Every 5 days
Term of investment
Zero
Target Return
4% - 6%
Liquidity
Easy
Open to
All Investors
Mobile Application
iOS, Android
Top Perks
Effortless income, auto-repay & reinvest, 5d
High liquidity: Access money anytime with Stairs
Higher returns: Stairs' interest beats bank rates
See inside MoneyMade’s 6-figure multi-asset portfolio
6-Figures
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
2021
Country Available
US Only
Assets Managed
n/a
How You're Taxed
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)
Bloodlord
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!!!
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