What is the Flex-Financing Program or Partial Payments?

The Flex-Financing Program is an 18-month deposit program offered exclusively for most EB5 VISA CENTER Projects where an EB-5 investor can file their I-526 Petition for their EB-5 Visa with as little as $110,000 to begin.

On November 21st, 2019, USCIS, among other changes, increased the investment minimum from $500,000 to $800,000 for TEA Projects. We believe these changes substantially reduces the total potential EB-5 applicants, especially if the EB-5 investor was required to have the full $800,000 in cash to file their I-526 Petition in order to establish a Priority Date.

To continue to encourage and enable job-creation in the United States through the EB-5 Program and to further EB5 VISA CENTER ‘s mission to innovate within the EB-5 industry, we saw this program as necessary and vital.

 

Total to Start	# of Deposits	Amount Per Deposit (Investment)	Amount Per Deposit (Admin Fee)	Amount and Frequency of Deposits	Total Admin and Investment
$110,000	8	$100,000	$10,000	Every other Month	$80,000 Admin Fee + $800,000 Investment
$207,500	4	$200,000	$20,000	Every 6 Months	$80,000 Admin Fee + $800,000 Investment
$800,000	1	$800,000	$80,000	One-time	$80,000 Admin Fee + $800,000 Investment

Frequently Asked Questions

When would I be allowed to file my I-526 Petition?

What are the deposit options available?

You would be able to file immediately upon depositing the initial deposit into escrow.

 

Is the Flex-Financing Program allowed by USCIS?

Yes. USCIS clearly states that, “You may file this petition for yourself if you have invested or are actively in the process of investing the required investment amount in a new commercial enterprise (NCE).” In order to ensure that USCIS knows that you are “actively in the process” of investing the $800,000, we would assist you in creating a customized “Estimated Schedule of Funds Delivery” financial plan and can also provide an immigration law firm that has experience substantiating your intended source of funds to ensure the full plan will meet USCIS requirements.

 

What are the requirements for my net worth at the time that I file?

You must have a net worth of at least $800,000 USD. It can be a combination of liquid and illiquid assets.

Can I arrange a gift from a relative, friend or colleague to pay for part of the $800,000 capital investment?

Yes, you may use a gift in order to finance your EB-5 investment. However, the details of the gift (person, timing, source of their funds, etc.) would need to be solidified prior to filing the I-526 petition as this would need to be included in the Source of Funds.

 

Where would the capital be held while I make the deposits?

Each deposit would be held at a third-party escrow account for 5 business days, then immediately released into the Project so it can begin generating ROI.

 

What if I start making deposits but am late on a deposit, or am unable to make the full $800,000 investment?

You would not be able to withdraw the amount that was invested into the Project until the term of the investment ended, which is typically 5-7 years.

 

Do I have the option of investing the remaining capital due faster than the original timeline I selected?

Yes, you may invest the remaining capital due at a faster rate than the timeline you committed to originally.

The Flex-Financing Program is an 18-month deposit program offered exclusively for most EB5 VISA CENTER EB-5 Projects where an EB-5 investor can file their I-526 Petition with as little as $110,000 to begin.

On November 21st, 2019, USCIS, among other changes, increased the investment minimum from $500,000 to $900,000 for TEA Projects. We believe these changes substantially reduces the total potential EB-5 applicants, especially if the EB-5 investor was required to have the full $800,000 in cash to file their I-526 Petition in order to establish a Priority Date. To continue to encourage and enable job-creation in the United States through the EB-5 Program and to further EB5 VISA CENTER‘ mission to innovate within the EB-5 industry, we saw this program as necessary and vital.

Partial Investments: Start EB-5 Today with Less than $800K and Obtain an Employment Authorization Document (EAD) in 6 Months

The Process of Making a Partial EB-5 Investment

Benefits of Making a Partial EB5 Investment

EB-5 Partial Investments and Concurrent Filing

Risks of Partial EB-5 Investments

EB5 vISA CENTER’s mECHANICSBURG Rural EB-5 Project Allows Partial Investment

For many prospective EB-5 investors, the minimum investment amount of $800,000 represents a significant commitment of resources. While some investors have all the required funds on hand, those who do not must often make arrangements to obtain the full investment amount. Such investors must then wait while their assets are sold or financed.

The EB-5 program does, however, allow investors to make investments in installments. Such partial investments enable investors to invest an initial amount that is less than the full $800,000, while committing to invest the full amount within 6 to 12 months.

While a partial initial investment does not reduce the minimum investment requirement of $800,000, it may make it easier for a prospective investor to get started with the EB-5 immigration process quickly.

The Process of Making a Partial EB-5 Investment

The first step in making a partial EB-5 investment is finding a project that allows investments in installments. Not all projects allow partial investments. Even if a project offers a partial funding option, a prospective investor must carefully vet the project to ensure it complies with the EB-5 program and is likely to result in positive immigration and financial outcomes.

Once an EB-5 investor finds a project that allows partial investment, they must make a suitable initial investment. Projects may require a minimum initial investment or installment amounts. After making the initial investment, the investor must submit Form I-526E with all the required documentation. In the I-526E petition, the investor must demonstrate that the initial funds and all remaining investment funds were sourced lawfully.

The source-of-funds documentation in Form I-526E must also demonstrate that all the funds needed to complete the full investment amount are in the process of being invested in a qualifying project. To this end, the investor must show that any funds not yet invested are committed to the project.

While the entire EB-5 investment must be fully funded by the time United States Citizenship and Immigration Services (USCIS) adjudicates the investor’s Form I-526E, the recommended timeline for completing a partial EB5 investment is between 6 and 12 months.

Benefits of Making a Partial EB-5 Investment

Partial EB-5 investments are particularly helpful for prospective EB-5 investors who do not have immediate access to the full investment amount. By making a partial investment, an EB-5 investor can begin the EB-5 process while they gain access to the rest of the funds needed to complete the investment. As a result, the investor may obtain an EB-5 visa sooner than otherwise possible.

EB-5 Partial Investments and Concurrent Filing

After making a partial investment, EB-5 investors who already live in the United States under a non-immigrant visa can concurrently file Form I-485 for adjustment of status with Form I-526E. In addition to filing Form I-526E earlier with less initial funds, concurrent filing allows EB-5 investors to change their legal status and file for a work permit. For H-1B / L-1 / E-2 / F-1 / TN visas holders already living in the United States, making a partial EB5 investment and concurrently filing the I-485 and I-526E petitions may result in gaining employment authorization documents (EAD) in six months or less.

Risks of Partial EB-5 Investments

The primary risk of making a partial EB-5 investment is not making the full investment on time. If the funds an investor is relying on to complete their investment are not available within the required timeframe, their immigrant petition will be denied. Investors considering a partial investment must be certain they can legally source the entire investment amount within the required period.

Another risk of making a partial EB-5 investment is related to the source-of-funds documentation. An EB-5 investor who chooses to invest a partial amount must be certain that their Form I-526E includes all necessary documentation. This form must provide evidence that the full investment amount, not just the initial investment, is legally sourced and irrevocably committed to the EB-5 project. With insufficient evidence that funds are fully committed or lawfully sourced, USCIS may deny Form I-526E.

EB5VISACENTER’s Mechanicsburg, Pennsylvania Rural EB-5 Project Allows Partial Investment

EB5VISACENTER’s Mechanicsburg, Pennsylvania (Loan) EB-5 offering is currently accepting EB-5 investment and allows partial investments. This means that EB-5 investors can begin to invest in the Mechanicsburg, Pennsylvania project with less than the full $800,000 and then fully fund their investment within 6 to 12 months.

Mechanicsburg, Pennsylvania is an under-construction, master-planned community development near Mechanicsburg, Pennsylvania. The project is situated on more than 5,000 acres of pristine mountain land. Mechanicsburg, Pennsylvania consists of 9 residences and 54 townhomes, and other community amenities. The planning is nearly completed, and the roads and infrastructure are ready for construction in March 2024.

In addition, Mechanicsburg, Pennsylvania is located within a rural TEA, which grants its investors access to the reduced investment requirement of $800,000, set-aside visas, and priority processing of Form I-526E. Each EB-5 investment will be a tranche of a loan, and each tranche has its own five-year loan term with a possible one-year extension at the developer’s discretion. These and other best-in-class features make Mechanicsburg, Pennsylvania one of the most compelling rural EB-5 projects on the market today.