In the wake of changes in securities law, technological advances, and instability in public markets, retail investors are allocating to alternatives.

Among investors age 21-43, real estate is the most popular and attractive category among alternatives.

Yet accessing this asset class through traditional means requires, for most investors, either a substantial investment of capital, effort, and risk, or an acceptance of REITs and funds served up by Wall Street, with their attendant fees, lockup periods, and opacity.

Groundfloor was founded in 2013 to level the playing field in alternative markets for individual investors and the users of their capital.

We built a regulatory foundation to allow everyone to invest in private credit for the development of single-family homes as investment properties - whether you have $10 to invest or $1 million.

Learn about our product by trying it yourself! Sign up using the promo code REPUBLIC and earn an investment bonus of $100 when you invest $100. 

Visit groundfloor.com/republic to get started.

For the Auto Investor who prefers a set-it-and-forget-it investing experience, we offer the Groundfloor mobile app that brings the best of Groundfloor to all: instant diversification, low investment minimum, 9-15% yield potential, and unrivaled cash flow, in an attractive and low-friction mobile experience.

For the Active Investor looking to access the full breadth of Groundfloor's investment opportunities and customize a portfolio based on a strategy, we offer a robust Web platform featuring detailed project-level reporting and tools for building the optimal portfolio for your situation. 

Groundfloor is the largest platform for investing fractionally in single-family real estate, and the only platform offering access to private credit in that asset class at scale.

We've leveraged that position to build a valuable business, now generating over $26 million of annual revenue.

Our borrowers are real estate investors and entrepreneurs who borrow capital from Groundfloor in order to renovate or construct single family homes, then sell or refinance the property to repay the borrowed funds with interest, generally between 9% and 15%. 

Our investors who use the Groundfloor platform to invest fractionally in these loans, while they come from a range of backgrounds, share a common desire to explore opportunities beyond what is available through public markets and traditional financial institutions. We have investors in all 50 U.S. states and many countries. Individual portfolios range in size from $10 to over $1 million.

Groundfloor is a credit originator, asset manager, and operator of a retail investment platform. 

Today, over 95% of Groundfloor's revenue and gross profit comes from fees we assess to borrowers in connection with loan origination and servicing - not fees we assess to our investors.

In the future, we may consider assessing fees to a subset of investors, whether in exchange for a premium service tier or based on transaction volume or assets under management. Any investor fees we assess in the future would be additive to our existing revenue streams.

The mass market retail investor is a sleeping giant poised to reshape capital markets forever.

Our addressable market is large: there are ~142 million housing units in the U.S. Single-family homes constitute 67%, representing $22T in total asset value and growing at 5.8% CAGR.

Single-family residential is a compelling market for retail investor products.

As a lender, Groundfloor competes in a fragmented, localized marketplace against hundreds of private lenders. Our unique capital base, differentiated loan products, and strong brand give us an edge with borrowers, in terms of flexibility, that has allowed us to expand our lending operation to more than 35 U.S. states.

As an investment platform, Groundfloor competes for investors against traditional public and private REITs, as well as against other apps offering investments in various alternative asset classes. Our competitive advantage is our 11-year track record, our highly engaged investor base, and financial products that have continued to perform through the toughest economic circumstances.

Our 10-year vision is to become the broadest platform for individual investors to access the full spectrum of private market real estate investments. 

We’ll achieve our vision by continuing to execute on four key growth strategies:

$61.0 million

Net interest repaid to investors

5,824

Residential real estate projects funded

270K+

Registered users of the Groundfloor platform

Groundfloor's capital base consists of early angel investments, venture capital and private placements with individuals and institutions.

Additionally, consistent with our mission of making private markets accessible to all, Groundfloor has raised over $20 million in equity capital from 7,000+ retail investors like you. 

Our share price has grown from $10 in 2018 to $50 in 2024, in line with our revenue growth and growth of our investor base.

Brian Dally  |  Co-Founder & CEO

Nick Bhargava  |  Co-Founder & EVP Regulatory Affairs

For over 10 years, Groundfloor has delivered stable, high-yield returns to everyday investors like you.

With this stock offering, you’re invited to help accelerate bringing alternative real estate investing to everyone, and profit from the growth that your investments are unlocking. 

Join us!