- Who is eligible to receive immigration benefits from my EB-5 investment?
- How does EB-5 work when investing through a Regional Center?
- What is EB-5?
- What are the protections and guarantees in Behring Regional Center EB-5 projects?
- Can I travel outside the US for extended periods after I get my green card?
- Can I include my family members on my EB-5 visa petition?
- When can I apply for US citizenship?
- Is EB-5 a passive investment?
- How long must I remain in the U.S. each year?
- What is a reentry permit?
- Can adopted children immigrate with me on EB-5?
- What is a New Commercial Enterprise?
- Are there any nationality restrictions for EB-5 applicants?
- USCIS requires EB-5 investments to be “at-risk”, so how do your projects have guarantees?
- What are the EB-5 Investment Requirements?
- Can I apply if I've been rejected or terminated in the past by USCIS for a different visa application?
- May two or more investors qualify for immigration based upon a pooled investment in a single business?
- What is the I-526 Petition?
- What is the USCIS background check?
- What Can Disqualify an Investor from Participating in the EB-5 Program?
- What is an I-829 Petition?
- What is a I-485 Petition
- Accredited Investor
- Partial Payments
- Source of Funds
- Can I use a loan for EB-5?
- What documents need to be translated when filing the I-526 petition?
- Can I Use a Gift for EB-5?
- Can I Use 401(k) funds for EB-5 investment?
- I don't have $800K in cash. What are my options?
- What is the Source of Funds Report?
- 5 Things EB-5 Investors Can Do Preparing for Their Source of Funds Report
- Regional Center
- Targeted Employment Area
- Job Creation
- EB-2 / EB-3
I don’t have $800K in cash. What are my options?
If you do not have $800K available in cash now, you still have several options to fund your investment:
Gifted funds are an acceptable source for the EB-5 investment, provided that the EB-5 investor documents the legal source of those funds. The donor would need to provide documentation on how they acquired those funds (e.g. sale of overseas investment property) and a gift affidavit describing the relationship between the donor and donee, the reasons for the gift, and that the EB-5 investor is not obligated to reimburse the gift. Please note that gifted funds may be subject to a gift tax. The donor and the EB-5 investor are strongly recommended to consult a tax professional to determine any tax implications of gifted fund transfers.
Loans are commonly used to fund the EB-5 investment. Often, EB-5 investors will obtain loans secured by their personal assets, such as a home equity line of credit (HELOC). Loans may be borrowed from a private individual as well, but substantial documentation is necessary, including the written loan agreement, the lender’s income tax returns, and documentation how the lender accumulated the loaned funds.
You may also use unsecured loans. In October 2020, the U.S. Court of Appeals for the District of Columbia in Zhang vs. USCIS affirmed that loan proceeds are “cash” for purposes of EB-5 regulations, rejecting USCIS’s requirement that loans be secured by the EB-5 investor’s assets.
Behring’s affiliate, Unity Lender, a California licensed finance lender, offers qualified borrowers assistance in financing their EB-5 investments. Inquire for details.
3) Partial Capital Contributions
An EB-5 investor may invest in installments using a partial capital contribution. USCIS permits EB-5 investors to file the I-526 petition by showing they are actively in the process of investing, provided they prove an actual commitment to fund the total investment amount within a defined period.
Behring understands you might need flexibility for tax planning, accommodating capital transfer restrictions and other factors that may prevent you from being able to invest the full amount immediately. Behring offers reasonable payment schedules to enable you to start the immigration process now while giving the time you need to fund the EB-5 investment. Learn more here.