Groundfloor

At Groundfloor is the only direct lender offering retail capital for short-term, residential real estate loans. Our borrowers get access to more flexible and efficient capital than a traditional bank or a hard-money lender.

The Groundfloor Advantage:

• Rates start at 5.5% and roll points into closing
• True deferred payments – no payments until loan repays
• Loan sizes from $75,000 to $1.5M
• Up to 100% Loan-to-Cost, depending on experience
• Up to 75% Loan-to-After repair value
• No minimum transactions experience required
• Five year lookback for experience
• Minimum property value $50,000
• Minimum credit score of 600
• Full recourse loans with personal guarantees
• Nine, 12, and 18 month terms