How to Close Your Next Deal with $0 Out-of-Pocket Origination Fees

The Blueprint

• Eliminate upfront origination costs at closing by financing 100% of your origination fees directly into the monthly loan balance, keeping your day-one capital liquid.
• Maintain an average of $10,000+ in extra cash reserves* per deal to instantly deploy capital for unexpected soft costs or construction overruns.
• Secure high-leverage LTC and lower monthly interest rates without dealing with the cash-drag traditionally required by rigid lenders at the closing table.
• Scale your portfolio by utilizing a flexible funding partner that evaluates deal viability and track record over personal debt-to-income constraints.

Optionality to Maximize Capital

Every experienced investor with multiple exits knows the friction. You find an asset with strong ARV, your spreadsheet pencils out perfectly, and your boots on the ground are ready to demo. Then you hit the closing table, and upfront origination fees swallow a massive chunk of your liquid capital.

Traditional private and hard money lenders force you into their rigid, one-size-fits-all boxes. Groundfloor Lending does the opposite by delivering unmatched optionality so you can structure your debt to match your business goals.

If your priority is absolute cash-flow preservation during the build, you can pull our deferred payment lever — zero monthly payments, with origination points and fees entirely financed into the loan. If your strategy demands maximum capital efficiency, you can choose our monthly payment structure. Previously, monthly loans required you to pay the upfront origination fees at the closing table. Now, we’ve brought that same financing flexibility to our monthly products. You get lower rates, higher leverage (LTC / LTV), and your origination points are completely financed into the loan balance. Two powerful structures, zero upfront friction.

Merging Lower Rates with Financed Points

Groundfloor Lending is now financing origination points and fees directly into our monthly payment products across Fix and Flip Loans, Bridge Loans, and New Construction Loans. You no longer have to choose between cash preservation and optimal pricing. You get both.

The math*:

Traditional Monthly Loan: High LTC + Lower Rate MINUS Upfront Points (Cash Drain)

Groundfloor Lending Monthly Loan: High LTC + Lower Rate PLUS Financed Points (Protected Capital)

By rolling these costs into the loan structure, your net proceeds cash at closing is larger. If you’re running a heavy rehab or executing a fast BRRRR strategy, that retained capital is your defense against unpredictable delays and material cost spikes. More importantly, it keeps your capital moving, ready to be deployed on your next acquisition.

Zero Friction for Brokers and Scale-Up Borrowers

For brokers, this is a tool to salvage tight files. When a client has the track record but their liquid reserves are squeezed by a concurrent project, forcing upfront fees can kill the deal.

Groundfloor Lending provides the flexibility to close the file in as few as 7 business days without forcing the borrower to compromise on leverage. We don't care about DTI or personal income; we underwrite the asset and your execution history.

Submit your deal details below, and we’ll be in touch in one business day with real numbers so you can size up your options.