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      <filer>
        <issuerCredentials>
          <cik>0001588504</cik>
          <ccc>XXXXXXXX</ccc>
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        <offeringFileNumber>024-10753</offeringFileNumber>
      </filer>
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  </headerData>
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    <employeesInfo>
      <issuerName>GROUNDFLOOR FINANCE INC.</issuerName>
      <jurisdictionOrganization>GA</jurisdictionOrganization>
      <yearIncorporation>2013</yearIncorporation>
      <cik>0001588504</cik>
      <sicCode>6199</sicCode>
      <irsNum>46-3414189</irsNum>
      <fullTimeEmployees>25</fullTimeEmployees>
      <partTimeEmployees>0</partTimeEmployees>
    </employeesInfo>
    <issuerInfo>
      <street1>75 Fifth Street, NW</street1>
      <street2>Suite 2170</street2>
      <city>ATLANTA</city>
      <stateOrCountry>GA</stateOrCountry>
      <zipCode>30308</zipCode>
      <phoneNumber>404-850-9225</phoneNumber>
      <connectionName>Nick Bhargava</connectionName>
      <industryGroup>Other</industryGroup>
      <cashEquivalents>921594.00</cashEquivalents>
      <investmentSecurities>0.00</investmentSecurities>
      <accountsReceivable>20120085.00</accountsReceivable>
      <propertyPlantEquipment>433452.00</propertyPlantEquipment>
      <totalAssets>21507228.00</totalAssets>
      <accountsPayable>16872490.00</accountsPayable>
      <longTermDebt>0.00</longTermDebt>
      <totalLiabilities>22787493.00</totalLiabilities>
      <totalStockholderEquity>-1280265.00</totalStockholderEquity>
      <totalLiabilitiesAndEquity>21507228.00</totalLiabilitiesAndEquity>
      <totalRevenues>804936.00</totalRevenues>
      <costAndExpensesApplToRevenues>117587.00</costAndExpensesApplToRevenues>
      <depreciationAndAmortization>102471.00</depreciationAndAmortization>
      <netIncome>-1976473.00</netIncome>
      <earningsPerShareBasic>-1.75</earningsPerShareBasic>
      <earningsPerShareDiluted>-1.75</earningsPerShareDiluted>
      <nameAuditor>Hughes Pittman and Gupton LLP</nameAuditor>
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      <preferredEquityClassName>Series Seed</preferredEquityClassName>
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      <publiclyTradedPreferredEquity>N/A</publiclyTradedPreferredEquity>
    </preferredEquity>
    <preferredEquity>
      <preferredEquityClassName>Series A Preferred Stock</preferredEquityClassName>
      <outstandingPreferredEquity>747373</outstandingPreferredEquity>
      <preferredCusipEquity>000000N/A</preferredCusipEquity>
      <publiclyTradedPreferredEquity>N/A</publiclyTradedPreferredEquity>
    </preferredEquity>
    <debtSecurities>
      <debtSecuritiesClassName>Convertible Promissory Notes</debtSecuritiesClassName>
      <outstandingDebtSecurities>2050000</outstandingDebtSecurities>
      <cusipDebtSecurities>000000N/A</cusipDebtSecurities>
      <publiclyTradedDebtSecurities>N/A</publiclyTradedDebtSecurities>
    </debtSecurities>
    <issuerEligibility>
      <certifyIfTrue>true</certifyIfTrue>
    </issuerEligibility>
    <applicationRule262>
      <certifyIfNotDisqualified>true</certifyIfNotDisqualified>
    </applicationRule262>
    <summaryInfo>
      <indicateTier1Tier2Offering>Tier2</indicateTier1Tier2Offering>
      <financialStatementAuditStatus>Audited</financialStatementAuditStatus>
      <securitiesOfferedTypes>Other(describe)</securitiesOfferedTypes>
      <securitiesOfferedOtherDesc>Limited Recourse Obligation (LRO), a limited debt obligation of the issuer</securitiesOfferedOtherDesc>
      <offerDelayedContinuousFlag>Y</offerDelayedContinuousFlag>
      <offeringYearFlag>Y</offeringYearFlag>
      <offeringAfterQualifFlag>N</offeringAfterQualifFlag>
      <offeringBestEffortsFlag>Y</offeringBestEffortsFlag>
      <solicitationProposedOfferingFlag>N</solicitationProposedOfferingFlag>
      <resaleSecuritiesAffiliatesFlag>N</resaleSecuritiesAffiliatesFlag>
      <securitiesOffered>1823780</securitiesOffered>
      <outstandingSecurities>0</outstandingSecurities>
      <pricePerSecurity>10.0000</pricePerSecurity>
      <issuerAggregateOffering>1823780.00</issuerAggregateOffering>
      <securityHolderAggegate>0.00</securityHolderAggegate>
      <qualificationOfferingAggregate>45526190.00</qualificationOfferingAggregate>
      <concurrentOfferingAggregate>1000000.00</concurrentOfferingAggregate>
      <totalAggregateOffering>48349970.00</totalAggregateOffering>
      <legalServiceProviderName>Smith Anderson; Robbins Ross</legalServiceProviderName>
      <legalFees>4500.00</legalFees>
    </summaryInfo>
    <juridictionSecuritiesOffered>
      <jurisdictionsOfSecOfferedNone>true</jurisdictionsOfSecOfferedNone>
      <issueJuridicationSecuritiesOffering>AL</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>AK</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>AZ</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>AR</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>CA</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>CO</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>CT</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>DE</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>FL</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>GA</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>HI</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>ID</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>IL</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>IN</issueJuridicationSecuritiesOffering>
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      <issueJuridicationSecuritiesOffering>ME</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>MD</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>MA</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>MI</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>MN</issueJuridicationSecuritiesOffering>
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      <issueJuridicationSecuritiesOffering>NH</issueJuridicationSecuritiesOffering>
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      <issueJuridicationSecuritiesOffering>NY</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>NC</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>ND</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>OH</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>OK</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>OR</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>PA</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>RI</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>SC</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>SD</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>TN</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>TX</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>UT</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>VT</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>VA</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>WA</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>WV</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>WI</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>WY</issueJuridicationSecuritiesOffering>
      <issueJuridicationSecuritiesOffering>DC</issueJuridicationSecuritiesOffering>
    </juridictionSecuritiesOffered>
    <securitiesIssued>
      <securitiesIssuerName>Groundfloor Finance Inc.</securitiesIssuerName>
      <securitiesIssuerTitle>LROs</securitiesIssuerTitle>
      <securitiesIssuedTotalAmount>45526190</securitiesIssuedTotalAmount>
      <securitiesPrincipalHolderAmount>0</securitiesPrincipalHolderAmount>
      <securitiesIssuedAggregateAmount>$41,471,190 were issued and sold pursuant to Offering Circular File No. 024-10753. $4,055,000 were issued and sold pursuant to Offering Circular File No. 024-10758 (as may be amended and supplemented from time to time).</securitiesIssuedAggregateAmount>
    </securitiesIssued>
    <securitiesIssued>
      <securitiesIssuerName>Groundfloor Finance Inc.</securitiesIssuerName>
      <securitiesIssuerTitle>LROs</securitiesIssuerTitle>
      <securitiesIssuedTotalAmount>2356410</securitiesIssuedTotalAmount>
      <securitiesPrincipalHolderAmount>0</securitiesPrincipalHolderAmount>
      <securitiesIssuedAggregateAmount>LROs in the amount of $2,356,410 were issued and sold to accredited investors.</securitiesIssuedAggregateAmount>
    </securitiesIssued>
    <securitiesIssued>
      <securitiesIssuerName>Groundfloor Finance Inc.</securitiesIssuerName>
      <securitiesIssuerTitle>Subordinated Convertible Promissory Notes</securitiesIssuerTitle>
      <securitiesIssuedTotalAmount>2050000</securitiesIssuedTotalAmount>
      <securitiesPrincipalHolderAmount>0</securitiesPrincipalHolderAmount>
      <securitiesIssuedAggregateAmount>Subordinated convertible promissory notes were issued for aggregate principal amount of $2,050,000.</securitiesIssuedAggregateAmount>
    </securitiesIssued>
    <unregisteredSecuritiesAct>
      <securitiesActExcemption>Regulation A, Rule 506 of Regulation D, and Rule 506 of Regulation D, respectively.</securitiesActExcemption>
    </unregisteredSecuritiesAct>
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