Most people are worried about the money needed to file EB5 and how to collect those funds.<\/p>\n\n\n\n
I try to list down all possible options for you.<\/p>\n\n\n\n
How to Collect EB5 Funds <\/h2>\n\n\n\n
You will need at least $800k to file your EB5 Green card. <\/p>\n\n\n\n
Realistically, you will also need an additional $50k to pay for the attorney fee, USCIS fee, and EB5 project admin fee.<\/p>\n\n\n\n Hence, plan for at least 880k to have in hand to take the jump for EB5 investment.<\/strong><\/p>\n\n\n\n There are various creative ways of collecting funds for your EB5 Investment. We share some of them which are not commonly known to people.<\/p>\n\n\n\n #1 Use 401K Money<\/strong><\/p>\n\n\n\n You can use your 401k directly as the EB5 investment. The most important thing to understand here is that the project you invest in should be available as the investment in your 401k provider portfolio.<\/p>\n\n\n\r\n\t\t Example<\/strong>:<\/p>\n\n\n\n Many projects make themselves available for investment through the traditional IRA private investment route. <\/p>\n\n\n\n Most employers have big names like Fidelity as their providers. If Fidelity does have your EB5 project as one of their investment options, then you would not be able to invest your 401K money for EB5 purposes.<\/p>\n\n<\/div>\r\n\t\t\t \r\n\t\t<\/div>\r\n\t\n\n\n What’s the solution then?<\/strong><\/p>\n\n\n\n The solution is to move your 401K money from Fidelity to a provider that has the specific project that you chose for EB5 as an investment option. To find this 401K provider, you can ask the EB5 project’s team as they have all the information.<\/p>\n\n\n\n As an example, the Alto IRA<\/a> has Behring’s EB5 project listed as an investment.<\/p>\n\n\n\n So, you would need to move your 401K money from Fidelity to Alto IRA to use it as an EB5 investment.<\/p>\n\n\n\n Can I move my 401K to another provider If I am currently working for the same company?<\/strong><\/p>\n\n\n\n That’s a problem. You can only move the amount of money in your 401K to another provider that is not from your current employer. <\/p>\n\n\n\n This is an IRS rule and has nothing to do with USCIS, Fidelity, or any other 401k Provider.<\/p>\n\n\n\n #2 Roth IRA<\/strong><\/p>\n\n\n\n You can use the same strategy as we mentioned for 401K above for using your Roth IRA for EB5 investment.<\/p>\n\n\n\n The other method is to withdraw your Roth IRA and use it as cash for the EB5 project. <\/p>\n\n\n\n You will be able to withdraw the Roth IRA amount that you contributed without any tax penalties. <\/p>\n\n\n\n If you withdraw the growth (the amount that increased due to the market), you will have to pay the penalty and the tax as per withdrawal rules.<\/p>\n\n\n\n #3 EB5 Project Unsecured Loan<\/strong><\/p>\n\n\n\n Most EB5 project companies also give you an unsecured loan at the market rate. <\/p>\n\n\n\n This can then be used as the EB5 investment in your name to become eligible for the Green card.<\/p>\n\n\n\n You can get a loan of up to 500k for an investment of 800k. You will have to put in your 300k.<\/p>\n\n\n\n This loan follows the market APR rate and is usually 3-4% above the normal APR.<\/p>\n\n\n\r\n\t\t Example 1:<\/p>\n\n\n\n As of the date of writing, the APR for this loan is 11%-18%.<\/p>\n\n<\/div>\r\n\t\t\t \r\n\t\t<\/div>\r\n\t\n\n\r\n\t\t Example 2: <\/p>\n\n\n\n For an EB5 project loan, it is common to pay the interest for the full term of the loan which is 5 years and the principal will be paid by the EB5 developer.<\/p>\n\n\n\n Interest only loan means that you keep paying the interest on the loan monthly and the principal amount stands as it is. <\/p>\n\n\n\n It might be paid by the EB5 regional center or the developer after the completion of the loan term.<\/p>\n\n\n\n Note that if the EB5 business goes down, you will still be liable to pay the EB5 loan principal amount. The financial contract between you and the EB5 loan company will determine what will happen if the EB5 project files bankruptcy.<\/p>\n\n<\/div>\r\n\t\t\t \r\n\t\t<\/div>\r\n\t\n\n\n #4 Money from India\/China or Home Country<\/strong><\/p>\n\n\n\n You can get money from your home country like India or China by selling your assets there.<\/p>\n\n\n\n This is allowed as long as you can prove that money to buy a home was earned legitimately and no taxes are due to the respective home country government.<\/p>\n\n\n\n #5 Other Sources<\/strong><\/p>\n\n\n\n Whatever sources of money you use, make sure that it is the legitimate source as you will need to submit proof of it.<\/p>\n\n\n\n These times can vary but we have provided an estimate based on our understanding.<\/p>\n\n\n\n![\"EB5](\"https:\/\/www.am22tech.com\/wp-content\/uploads\/2019\/07\/EB5-cost-may-2025.webp\")
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EB5 Green Card Processing Time<\/h2>\n\n\n\n
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