Groundfloor

Groundfloor gives individual investors direct access to private real estate credit. Investors can buy Groundfloor Notes, which are fixed-term, real-estate-backed notes, or pick individual loans on projects underwritten and reviewed by Groundfloor, with first- or second-lien security on every loan and terms as short as six to twelve months.

The company was founded to open private markets beyond institutions and insiders, and became the first company to open access by qualifying with the SEC under Regulation A+. That structure is why offerings on the site are open to US residents in states where the issuer has filed notice, rather than to accredited investors only; some newer offerings are limited to accredited investors.

Since 2013 Groundfloor has facilitated more than $2.2 billion in investments for over 300,000 investors. Individual loan investments start at $10, Notes carry minimums from $100 to $1,000, and the Preferred Note has a $10,000 minimum. Advertised returns run from 5%-8.5% on Notes to 10-18% on individual loans.

The platform has extended the same structure to other asset classes, including consumer credit, music royalties, pre-IPO share finance and SMB funds. These are securities: offering circulars are filed with the SEC and published on the site, and an investment can lose all or part of its value, so read them before committing.