GROUNDFLOOR is the only direct lender offering crowdsourced capital for short-term residential real estate loans. This means that you get access to more flexible and cheaper capital than a traditional bank or hard-money lender. Plus, our unique Deferred Payment option gives you more control and the most cash on hand. We offer rates in the 7.5 to 11.5% range with 90% LTC (with 100% of reno costs), and 75% to ARV . All loans are secured by the underlying real estate assets, so there is no personal guarantee required, no tax returns, and no bank statements. We also have Beginner Friendly financing programs. Over the last 5 years, we have funded over 750 renovation projects generating over $100 Million in working capital for fix-and-flip investors all over the country. Founded in March 2013 by Brian Dally and Nick Bhargava, GROUNDFLOOR is headquartered in Atlanta, Georgia with a team of crowdfunding, real estate, hard money lending, technology, regulatory and marketing experts. For more information, visit: https://www.groundfloor.com *Company Blog: https://blog.groundfloor.com* Borrowers: http://borrowers.groundfloor.com Brokers: https://brokers.groundfloor.com