Groundfloor
Framework category: yield venue
Real-estate debt platform offering short-term notes backed by residential renovation and construction loans.
Primary use
Short-duration real-estate debt exposure with stated yields and a defined term, often laddered with 1, 3, and 12-month notes.
Redundancy role
Real-estate debt slot. Pairs with Fundrise (equity-style) and Arrived (single-property) for venue-level redundancy inside the real-estate function.
Historical yield range
Fixed annualized returns have historically ranged from roughly 4.75% to 10.00% depending on product and term (May 2026). Terms include 1 month, 3 months, 12 months, and 45 months. Rates change by offering; verify before deploying.
Integration notes
Regulatory: SEC Regulation A offerings; current site states offerings are open to US residents where the issuer has filed a state notice; some offerings are available to accredited investors only; not FDIC-insured, not SIPC-protected. Fees: no transaction fees stated on current official pages. Payouts: monthly for the 12-month Signature Note; quarterly for Consumer Credit Portfolio II; other notes pay interest at maturity.
Watch-outs
Risk of loss of principal; illiquidity and lockups; borrower default and foreclosure delays; returns are not guaranteed; SEC offering and state-notice limitations; product-specific maturity risk.