Summary
221 RIDGEWOOD AVENUE, FAIRFIELD, AL is a $94,210 loan offering structured as a first lien position on a renovation project in FAIRFIELD, AL listed on Groundfloor.
The offering carries a stated rate of 11%, a term of 15 months, a loan-to-value of 69.8%, and a minimum investment of $10.
It is secured by Real estate at 221 RIDGEWOOD AVENUE, AL, and the borrowing entity is Enterprises, LLC.
According to the offering circular, the loan is a first lien, on the property at 221 RIDGEWOOD AVENUE, FAIRFIELD. AL 35064 Borrower intends to use the loan proceeds to purchase and, with a 15-month term, a 11% rate to the borrower.
AltStreet tracks 4 other Groundfloor offerings in FAIRFIELD, AL, with disclosed rates ranging from 10% to 14%, and across 4,355 tracked Groundfloor offerings the median disclosed rate is 10.5%.
Terms shown here are drawn from SEC filing 0001104659-23-065641 and were captured by AltStreet on 2026-06-01. Figures are as disclosed at the time of the offering and are not updated for subsequent performance.
Disclosed Terms
- Offering amount
- $94,210
- Stated rate
- 11%
- Term
- 15 months
- Loan-to-value
- 69.8%
- Position
- First Lien
- Minimum investment
- $10
- Project type
- Renovation
- Collateral
- Real Estate
- Return type
- Interest
- Borrowing entity
- Enterprises, LLC
- Status
- Active
- Target return
- 11%
- Collateral in place at close
- Yes
- Property address
- 221 RIDGEWOOD AVENUE, FAIRFIELD. AL 35064 Borrower intends to use the loan proceeds to purchase and
- Lien position
- First Lien
- Loan term
- 15 months
- Rate to borrower
- 11%
- Loan-to-ARV
- 69.8%
- Loan principal
- $94,210
- Maximum offering
- $94,210
- Offering circular
- Form 1-A POS 0001104659-23-065641
Terms as disclosed at the time of the offering. AltStreet does not update these figures for subsequent performance, and a disclosed rate is not a realized return.
Where It Sits in Groundfloor's Book
Disclosed rate
11%
Above 57% of peers, median 10.5%. Near the middle of the book.
Hold period
15 mo
Above 65% of peers, median 12 mo. Near the middle of the book.
Loan to value
69.8%
Above 65% of peers, median 67.9%. Near the middle of the book.
Compared against 4,323 other Groundfloor real estate offerings with a disclosed rate. 140 of them are in AL, where the median disclosed rate is 11%. A percentile places a disclosed term, not a result. Browse the full Groundfloor book.
Filing Record
221 RIDGEWOOD AVENUE, FAIRFIELD, AL is offered under Groundfloor's Regulation A (Form 1-A) program, a single SEC registrant that covers 3,079 tracked offerings. The program's filing history runs from 1-A on Oct 4, 2022 to 1-K on Apr 1, 2026. Those filings describe the program, not this loan; the terms above are this offering's own.
7 supplements with pricing figures and 19 audited annual statements are on file for this issuer.
From SEC EDGAR, as filed. Issuer filing history.
Terminal Analysis
Terminal analysis for this offering
Terminal access unlocks rate, LTV, and term percentiles against every tracked peer, the borrower's prior-loan repayment record, the full valuation and cost stack, and more.
Access full researchQuestions About This Offering
What is 221 RIDGEWOOD AVENUE, FAIRFIELD, AL?
221 RIDGEWOOD AVENUE, FAIRFIELD, AL is a $94,210 loan offering structured as a first lien position on a renovation project in FAIRFIELD, AL listed on Groundfloor. The offering carries a stated rate of 11%, a term of 15 months, a loan-to-value of 69.8%, and a minimum investment of $10. It is secured by Real estate at 221 RIDGEWOOD AVENUE, AL, and the borrowing entity is Enterprises, LLC.
What interest rate does 221 RIDGEWOOD AVENUE, FAIRFIELD, AL pay?
The offering carries a stated rate of 11% over a term of 15 months, as disclosed at the time of the offering on Groundfloor. Stated rates are not guaranteed returns; repayment depends on the borrower and the underlying collateral.
What is the loan-to-value on 221 RIDGEWOOD AVENUE, FAIRFIELD, AL?
The disclosed loan-to-value is 69.8% on the property in FAIRFIELD, AL. For fix-and-flip and construction lending, this ratio is typically measured against after-repair value rather than the current as-is value, so it reflects a projected valuation rather than a realized one.
Who is the issuer of 221 RIDGEWOOD AVENUE, FAIRFIELD, AL?
The securities are issued by GF Finance.
What property backs 221 RIDGEWOOD AVENUE, FAIRFIELD, AL?
The offering circular identifies the property as 221 RIDGEWOOD AVENUE, FAIRFIELD. AL 35064 Borrower intends to use the loan proceeds to purchase and. The loan is a first lien. Loan-to-after-repair-value is disclosed as 69.8%.
What is the minimum investment for 221 RIDGEWOOD AVENUE, FAIRFIELD, AL?
The disclosed minimum is $10. Eligibility, availability, and the current status of this offering are determined by Groundfloor, not by AltStreet.
Is 221 RIDGEWOOD AVENUE, FAIRFIELD, AL still open to investors?
AltStreet's record shows the offering as active. AltStreet tracks this offering from SEC filings, last captured 2026-06-01. Offering status changes without a corresponding filing in many cases, so current availability should be confirmed directly with Groundfloor before acting.
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