GROUNDFLOOR is a real estate lending marketplace you don't have to be an accredited investor to join. The Atlanta-based company was founded in 2014 by Brian Dally and Nick Bhargava. Wealthy investors and hedge funds finance over 50% of commercial construction loans for residential property in the United States through private lending. Brian and Nick have taken "private lending" public by creating a real estate crowdsourcing platform that is actually open to the masses.

GROUNDFLOOR helps finance commercial loans for residential property. Its software grades available loans by risk and makes it easy for borrowers to apply for capital and for lenders to diversify their portfolio.

Most loan amounts range from $20k to $150k and have terms between 6 and 12 months. Interest rates vary between 6% and 26%, but that doesn't include origination and servicing fees. 


  • Max Loan Term (Months)
  • Credit Score Range
    640 - 850
  • Origination Fee
    Starting at 1%
  • Approval Speed (Hours)
  • Loan Amount
    $20000 - $150000
  • APR
    10% - 30%
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