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Client stories · US EB-5 Investor Immigration

Example case: Keeping working capital by investing in EB-5 with a secured loan

Summary

Illustrative scenario: Mr Cheng (pseudonym) and the EB-5. He wanted to move to the US without affecting his company’s working capital.

This is an illustrative scenario: the people and details are for explanation only and are not a real client case. Every family’s outcome depends on its background and the policies in force at the time.

Background

Mr Cheng (pseudonym), Taichung, manufacturing business owner, wife and two children. He wanted to move to the US without affecting his company’s working capital.

Main concern

Most of his wealth was in property and company shares, and he didn’t want to sell property.

Our approach

He borrowed from a bank against a property in his own name to fund the investment, and we organised the property source, loan and transfer documents.

Process and outcome

His source of funds was accepted and he received a conditional green card in about 20 months, with his company unaffected.

Adviser’s comment

A loan secured on your own assets can count, provided the asset’s source is clear.

EB-5 application process

  1. Assessment and project selection (4–8 weeks): We choose the TEA category and a vetted project based on your place of birth, your children’s ages and your family’s goals.
  2. Source of funds and investment (3–6 months): Prepare the source-of-funds evidence, make the investment and sign the investment documents.
  3. File I-526E (12–24 months): File the investor petition; eligible applicants in the US can file I-485 at the same time. Once approved, the family receives two-year conditional green cards.
  4. I-829 removal of conditions (After two years of conditional residence): Show the investment was sustained and the jobs created, and receive ten-year permanent green cards.

Is this right for you?

Every family’s background and timeline is different. To find out whether a similar plan could work for you, book a free consultation with Global Immigrate.

Learn more: US EB-5 Investor Immigration

FAQ

What does 30 September 2026 mean for applicants?

Under the EB-5 Reform and Integrity Act of 2022, regional centre petitions filed on or before 30 September 2026 are protected by a grandfather clause: USCIS must continue processing them even if the regional centre programme later lapses. Petitions filed after that date do not have this protection, so it is worth watching whether Congress reauthorises the programme.

Will the investment amount rise in 2027?

Yes. The law adjusts the investment thresholds for inflation from 1 January 2027 and every five years after that. The new amounts will be announced by USCIS; petitions filed before then use the current amounts.

Will the regional centre programme expire?

The regional centre programme is currently authorised until 30 September 2027, after which Congress must pass legislation to extend it. It has been extended many times before, but the timing and terms are not guaranteed.

Sources

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