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GROUNDFLOOR Fix & Flip Loans

GROUNDFLOOR is the only direct lender offering crowdsourced capital for short-term residential real estate loans.
This means that you get access to more flexible and cheaper capital than a traditional bank or hard-money lender.

Plus, our unique Deferred Payment option gives you more control and the most cash on hand.

GROUNDFLOOR offers short-term, hard money loans to real estate investors in over 30 states.

The GROUNDFLOOR Advantage

Rates Starting at 5.4% and roll points into closing
True Deferred payments - NO payments until loan repays
Loan sizes from $75,000 to $2,000,000
Up to 90% Loan-to-Cost (100% of renovation costs)
Up to 75% Loan-to-After Repair Value

No personal guarantee / non recourse available
Fast, easy application - no tax returns or bank statements
10 year look back for experience
Dedicated Business Development Manager
Skilled and experienced Asset Management Team
Beginner friendly

How GROUNDFLOOR Fix & Flip Loans Work

1 | APPLY

Simple online loan application
Complete at your convenience
Work directly with your personal BDM

Applying for a loan is simple. Complete our initial online application and your personal Business Development Manager will contact you to discuss your deal and finalize terms. Contact us at (404) 480-9025 if you have any questions or would rather speak to our borrower services team prior to starting your application.

2 | FUND

True asset based lending
Defer payments for up to 1 year
Roll points into closing

Once approved we will coordinate the closing and fund your loan. Later, your project will be financially backed by thousands of individual GROUNDFLOOR investors looking to invest in residential real estate projects on a fractional basis.

3 | FLIP

Simple draw process for finished work
Complete the renovation, sell the property
Repay your GROUNDFLOOR loan

Access funds easily through draw requests throughout the life of the loan. When you choose a Deferred Payment Loan, you make no payments until you sell or refinance the property. Our team wants your project to succeed and gives you the cash in-hand to complete your work.

Hear From Our Borrowers

John Mangham | Real Estate Investor

"With GROUNDFLOOR, I saw that the cost of capital could be significantly less than a hard money loan. GROUNDFLOOR's team gets what the borrower needs."

Danesha Palmer | Real Estate Investor

"I was pretty amazed with GROUNDFLOOR - the points were awesome, the down payment was awesome."

Sherry Bailey | Real Estate Investor

"GROUNDFLOOR was super easy to work with. The follow-up is so great. They are always there, and always on it."

Adam Ailion | Real Estate Investor
"My first GROUNDFLOOR project, which had 100% equity, was denied funding from a bank and a credit union since I owned the property for less than 6 months (even with my 740+ credit score!). Thankfully GROUNDFLOOR arrived. The loan underwriting was timely and much smoother than what I've experienced at large banks. Loan servicing and post-closing support were also responsive and they were prompt to make payments on any construction draws."

Steve Brock | Real Estate Investor
"GROUNDFLOOR's innovative approach to real estate financing is proving to be an effective way for us to keep pace with rising demand in our communities. I was blown away by how quickly and easily we were able to fund a project. "

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