Groundfloor Avaliações 

always great response, and invesment returns.

Happy to be making considerably more than any savings account can muster up. This very well may end up being a stock "Homerun" down the road.

Ground floor is OK just be aware your loans may not get paid back or may be delayed in getting paid back. Overall it’s an OK platform but I’ll invest with other funds and not put all my money into Groundfloor.

Easy to use investment program. It's nice and allows people who aren't millionaires to still have involvement in real-estate investment.

Enthusiastic about GroundFloor
I have been investing in the P2P, or fintech, industry since 2008. I have tried several companies, building longevity only with those that demonstrated reliable returns. I have been investing in GroundFloor (GF) since 2016 and it is by far my best personally managed investment vehicle.

Return:
Out of nearly 2000 loans REPAID in my account, I can find only two that repaid no principle. (Good thing my investment in each was small!) Interest is over 9%, as the company predicts in their diversification analysis. Amazingly, despite many repaid in default, interest in the default category is still over 6.0%. Can you get that kind of interest at a bank?

Positives:
• I think one of the top positives is accessibility. You don’t have to be accredited like you do with some fintech investments. You can start with as little as $10. I have always thought that real estate is one of the better investments, and GF provided me a way to do that! (I think this would be a great tool for a grandparent to use with a grandchild to learn all kinds of things about money management, investing, the power of saving and interest, real estate, interacting with a business, record-keeping, etc. Alas, not possible for me.)
• You can invest as little as $10 in each loan, making diversification easy.
• Holding properly, with first lien and the ability to foreclose, GF is a significantly more secure investment than consumer loans and small business.
• I have found that employees are responsive and interested in my input (which I don’t often give, unless I think it would help the company).
• The website is functional. It isn’t always changing so I have to relearn. I appreciate the information each page provides.
• I like the GF Notes. They can be used like a short-term savings or a longer-term CD.
• I have been to the GF headquarters, met some employees and the owners. The people were as nice as could be. I was amazed that Brian Dally (one owner) took time to talk with me, a small-time retail investor.
• GF people are innovative. If I were younger, I might try some of their up and coming products.

• Averaged out, GF does not out perform the stocks of my husband’s IRA and 401K. However, GF provides a relatively steady return and several years has outperformed the stocks the in the retirement accounts.

Negatives:
• See above on comparison with stocks. But that’s why you diversify over many types of investment vehicles.
• The number of loans that run late makes me nervous, but I keep looking at the actual repayments and it isn’t like the ROI on the late repayments is below respectable.
• I don’t like that interest is simple interest, repaid at maturity. However,
1. I can understand that offering that type of loan helps the borrowers and, therefore, GF and, therefore, me as an investor.
2. Many loans pay off early, so I can reinvest interest earned.
3. I make short length of loan one of my criteria for some funds so as to increase turnover to gain that interest and reinvest it as principle.
• On the borrowers' histories, I would like to see more data on their full history–how many projects and the rate and timing of repayment.

Groundfloor is a nearly ideal investment vehicle for retired people seeking substantial income with very low risk to their nest egg principal, unlike stock or bond investments these days. I routinely earn a 10% return. The diversification achieved by making small investments in many loans reduces risk, and even in the rare event when a loan does default Groundfloor manages the workout or foreclosure process, resulting in a very small loss (if any) on that loan. Net result is the rare combination of high yield and excellent safety, a combination that is critically important to retired folks trying to live on the income from their life savings.

Been using Groundfloor for years and it's a great platform to invest without a wallstreet bank account.

I've been investing on the Groundfloor for many years. It is a very good platform for newbies as well as experienced investors to invest in real estate at an affordable entry point. During COVID we had a lot of defaults but understandably so. The Groundfloor legal team pursued those in defaul to the very end. I feel confident investing even when the borrower doesn't pay back on time because Groundfloor keeps the investor informed to the very end.

Although my experience has been limited to one current go-around of investing in several loans, the platform has been very user-friendly and I look forward to future investing with Groundfloor.

so far working with the company on my account has been fun and exciting.

Excellent! I have had a great experience so far. I have been investing for 2 years and have consistently earned 9% or more. Really cool way to diversify your portfolio. Groundfloor just introduced an app that has dynamic investing, I love the website for a more in-depth view of investment opportunities. 10/10 would recommend.

Very good company, very good information and very good returns.

I’ve been an investor in companies of this type and Groundfloor has by far been the best and most consistent with returns on investment. Additionally, being able to invest in the company is an added plus. I’m planning to become a borrower also and am hopeful that my positive experiences on the investing side continue there.

When I refinanced my home, I took out money for renovations I didn't need yet to capture the low interest rate. That, plus some personal & retirement funds, are invested in over 500 Groundfloor LRO and Stairs. Oh, and Groundfloor Equity, which has more than DOUBLED in 2 years! Compare that to S&P 500 ETF at my traditional brokerage, down 17%+ for the first 8 months of 2022, and pennies at my bank. Yes, I'm happy with Groundfloor!

I love the opportunity to invest in Real Estate at an affordable rate and pace.

It's a great program! Good app. I'm looking forward to continuing and increasing my investment.

IRA Transfer - Great support.
Thank you

A++ THANKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!+++++++++