While the EB-5 visa process follows the same basic steps for all applicants, your country of birth can significantly affect how long it takes to obtain a Green Card. Investors from oversubscribed countries, such as China and India, often face visa backlogs and extended wait times. In contrast, nationals from low-demand countries typically enjoy faster processing, fewer delays, and more immediate access to available visas.

Changes introduced by the EB-5 Reform and Integrity Act of 2022 (RIA) have further expanded the opportunities for these investors, creating new visa set-aside categories and streamlining the process for those who qualify.

In this article, we’ll explore how the EB-5 process works for nationals of low-demand countries, highlight the unique advantages they enjoy, and explain why now may be one of the best times to apply.

The EB-5 Immigrant Investor Program, established by the U.S. Congress in 1990, was designed to stimulate the U.S. economy through foreign investment and job creation. Under this program, eligible investors can obtain permanent U.S. residency by investing in a new commercial enterprise that creates at least 10 full-time jobs for U.S. workers.

There are two standard investment thresholds, depending on where the project is located:

• $1,050,000 for investments in standard locations.
• $800,000 for projects located in targeted employment areas (TEAs), which include rural regions and areas with high unemployment.

If an investor fulfills all program requirements, including the investment amount, job creation criteria, and documentation of lawful source of funds, they, along with their spouse and unmarried children under age 21, become eligible to apply for U.S. Green Cards.

What Are Low-Demand Countries?

A low-demand country is one where the number of people applying for the EB-5 visa is much lower than the annual visa limit set for each country. Under the EB-5 program, the U.S. government allocates approximately 7% of the total available EB-5 visas each year to applicants from a single country, but not all countries reach this cap.

In a low-demand country, the number of EB-5 applicants is usually far below the annual limit. This gives investors from these countries advantages such as shorter wait times and no visa backlogs. Examples of low-demand countries include Canada, Germany, South Africa, Australia, Brazil, and many others in Europe, Africa, and Latin America.

While visa retrogression is always a possibility if demand unexpectedly surges, most low-demand countries have not historically faced this issue. On the other hand, countries like China and India often face visa retrogression and backlogs because they typically reach or exceed their visa limits.

Advantages for Nationals of Low-Demand Countries

Nationals from low-demand countries enjoy several important advantages when applying for an EB-5 visa. Because their countries have fewer applicants, they typically avoid many of the challenges faced by investors from high-demand countries like China or India. This can make the EB-5 process faster, simpler, and more flexible. Some of the key advantages include:

• Faster Visa Processing: With fewer applicants competing for visas, investors from low-demand countries often experience significantly shorter wait times at both the I-526E petition stage and during visa issuance.
• Immediate Access to All Visa Categories: Investors can choose freely among unreserved visas and set-aside categories (such as rural or high-unemployment TEA projects) without worrying about backlog restrictions.
• Higher Predictability and Lower Risk of Retrogression: Because their countries rarely reach the visa cap, investors from low-demand countries face a much lower risk of retrogression or delays in their immigration timeline.
• Greater Flexibility in Investment Planning: Without long waiting periods, investors can better coordinate their immigration plans, educational opportunities for children, and business ventures in the U.S.

While no EB-5 investor is completely immune to future changes in demand, nationals from low-demand countries are currently in a highly favorable position to complete the process efficiently and secure U.S. permanent residency with fewer obstacles.

Step-by-Step EB-5 Process

The EB-5 visa process for low-demand country investors follows the same steps as other applicants. However, since fewer people are applying, investors may enjoy shorter waiting times. Below is a guide to each step:

1. Select a Qualifying Investment Project

With no backlog or retrogression in any categories, investors from low-demand countries can choose their preferred investments. This includes direct investments and regional center projects, without concern for long waits or cutoff dates.

With a direct investment, you invest in your own business and actively manage it to ensure it creates at least 10 full-time jobs for U.S. workers. In contrast, a regional center project lets you invest through a USCIS-approved regional center. This option allows you to take a more passive role in the investment, in addition to other benefits.

2. Prove the Legal Source of Funds

Before you invest, you must gather and organize proof that your investment money comes from legal sources. U.S. Citizenship and Immigration Services (USCIS) checks this closely to ensure the funds were obtained through lawful means. You can use many legal sources such as salary savings, sale of property, loans backed by assets, gifts from family, or profits from a business.

If you use multiple sources of funds, you must explain how each one fits into your full investment amount. You are expected to show clear records like tax returns, bank statements, sale contracts, and loan documents.

3. File Form I-526E

After selecting your project and preparing the documents for your source of funds, you must file Form I-526E. This form tells the government that you want to become an EB-5 investor and have invested or are actively investing in a qualified U.S. project.

Once you submit the form, you will receive a receipt notice. From this point, your case is under review. If you are from a low-demand country, your wait for approval may be shorter than applicants from high-demand countries.

After you file your petition, USCIS will review your documents and project details to ensure they meet all EB-5 requirements. Under the EB-5 Reform and Integrity Act of 2022, there are set-aside visa categories for rural and high-unemployment projects, which currently have no backlogs.

Rural TEA projects offer priority processing, with some I-526E petitions being approved in as little as 10 months. If more information is needed, you may receive a Request for Evidence (RFE). You will then need to provide additional documents that support your case.

4. Apply for a Green Card

If you live outside the United States, you must apply for an immigrant visa at a U.S. consulate. This process is called consular processing, which involves you attending an interview, providing biometrics, and submitting medical and civil records.

If you already live in the U.S. on another valid visa, you may apply for adjustment of status by filing Form I-485. This lets you change your status to a conditional permanent resident without leaving the country. For low-demand countries, visa availability is generally not an issue, making concurrent filing (Form I-526E + Form I-485 + work and travel permits if needed) more practical.

5. Conditional Green Card and Job Creation Requirements

After your EB-5 petition is approved and you either receive your immigrant visa or adjust your status, you and your family will be issued conditional Green Cards valid for two years. During this conditional period, your investment must fulfill the EB-5 program’s key requirement: creating at least 10 full-time jobs for qualified U.S. workers.

These jobs do not need to exist immediately at the time of your Green Card issuance. They can be created at any point during the two-year conditional residency period, as long as the job creation is completed by the time you file your Form I-829 petition to remove conditions.

6. File Form I-829 to Remove Conditions

Before your two-year conditional Green Card expires, you must file Form I-829 with U.S. Citizenship and Immigration Services (USCIS) to request the removal of the conditions on your permanent residency. To qualify, you must demonstrate that your EB-5 investment remained in the project, stayed at risk, and resulted in the creation of the required number of full-time U.S. jobs.

When filing Form I-829, you will need to submit updated business records, evidence of job creation (such as payroll reports or tax documents), and proof that your investment funds continued to be committed to the project throughout the two-year period.

Once your I-829 petition is approved, you and your eligible family members will become full, unconditional lawful permanent residents of the United States.

Secure Your Green Card Faster With EB5AN

While the EB-5 process can seem complex, nationals of low-demand countries often enjoy a smoother and faster path to U.S. permanent residency. However, success still depends on following every step carefully: choosing a compliant project, properly documenting your source of funds, and meeting all program requirements. Partnering with experienced EB-5 professionals can help you avoid mistakes and improve your chances of success.

At EB5AN, we have successfully helped over 2,300 families from more than 70 countries achieve their dream of relocating to the United States through the EB-5 program.

If you would like personalized guidance or a professional review of your EB-5 strategy, schedule a free one-on-one consultation with our expert team today.

Selecting the right EB-5 visa category is one of the most important decisions you’ll make in your EB-5 journey. It directly impacts how quickly you might receive your U.S. Green Card, how long your petition may take to process, and even your likelihood of recovering your investment.

With the introduction of the EB-5 Reform and Integrity Act of 2022, investors have access to multiple visa categories, each with its own advantages, limitations, and eligibility rules. While these new pathways offer greater flexibility, they also require careful consideration to ensure they align with your immigration goals, financial situation, and timeline.

In this article, we’ll walk through the different types of EB-5 visa options and explain how you can choose the one that best fits your long-term plans.

Categories of EB-5 Investments

On March 15, 2022, the EB-5 Reform and Integrity Act of 2022 (RIA) introduced the reserved visa types, as opposed to the regular “unreserved” ones. These categories affect how fast investors may receive Green Cards, especially those from countries with high EB-5 demand. Below is an overview of each of them.

Unreserved EB-5 Visas

Unreserved visas follow the standard investment route and are open to all qualified investors, regardless of where the project is located. These visas require a minimum investment of $1,050,000 and are typically used for projects not located in a targeted employment area (TEA).

Since unreserved visas allow a broad selection of projects, some investors prefer them for the flexibility to invest in well-known or established markets.

However, unreserved visas come with some challenges. Investors from high-demand countries, such as China and India, face heavy visa retrogression and long wait times due to visa backlogs. For example, Chinese applicants may wait up to a decade, and Indian applicants may wait over 55 months.

These delays occur because once the annual cap is reached, new unreserved visa applicants are placed on a waiting list, which extends the overall processing time. Due to these wait times, investors from high-demand countries often consider applying through one of the reserved visa categories, which currently have no retrogression and may offer faster processing.

Reserved or Set-Aside EB-5 Visas

Each year, the U.S. government sets aside 32% of the total EB-5 visas for the reserved visa categories. The goal is to support targeted employment areas with more jobs or investments. Investors in these projects can qualify for a lower investment amount of $800,000.

Typically, there are three types of reserved set-aside visas:

Rural TEA Set-Aside Visas

Rural areas are locations that are not part of any metropolitan statistical area (MSA) and do not belong to a city or town with over 20,000 people. These areas receive 20% of the reserved EB-5 visas.

Investors who choose rural projects benefit from priority processing by the United States Citizenship and Immigration Services (USCIS). As a result of these benefits, rural visas are popular among EB-5 investors, especially those from high-demand countries with long wait times like China and India.

High-Unemployment TEA Set-Aside Visas

High-unemployment areas, also called urban TEAs, are places where the unemployment rate is at least 150% of the national average. These areas receive 10% of the reserved EB-5 visas. Like rural investors, these applicants only need to invest $800,000. However, USCIS does not offer priority processing for high-unemployment area projects.

Infrastructure Set-Aside Visas

Infrastructure projects receive 2% of the reserved EB-5 visas. These projects are usually public developments like roads, bridges, or water systems. Although this category offers the same lower investment amount, it is not yet widely used due to a lack of clear guidance.

Qualification Requirements

Unreserved EB-5 Visa

The unreserved EB-5 visa category is open to both new and pre-RIA investors. All investors who filed their I-526 petitions before March 15, 2022, fall under this category. This includes investments in any location or project type, whether or not they are in targeted employment areas (TEAs).

For investors who filed after March 15, 2022, the unreserved category typically applies if:

• The investment is $1,050,000 or more
• The project is not located in a TEA (rural or high-unemployment area)
• The investment does not qualify for one of the three set-aside visa types

On the I-526E approval notice, this may show as RU (Reserved-Unused) or NU (Not Reserved-Unused), depending on how USCIS processes your petition.

Note that unreserved visas are available to investors from any country. However, the long wait times for high-demand countries can make this category less practical. In fact, many Chinese and Indian applicants already living in the U.S. cannot concurrently file for adjustment of status alongside their I-526E under this category, which can delay their Green Card process even more.

Reserved EB-5 Visa

Reserved, or set-aside, EB-5 visas are available to investors from any nationality who filed their I-526E petitions on or after March 15, 2022. Nonetheless, they are especially helpful for applicants from backlogged countries like China and India. Since reserved visas are new, and the demand is still growing, they currently offer faster processing and shorter waiting times.

As of now, all reserved visa categories have current priority dates, which means there are no official delays. However, demand for these visas, especially high-unemployment set-asides, is growing quickly. USCIS has not yet processed most of these petitions to the visa stage, but once they do, backlogs could form in the future. Starting the process early can help investors avoid long wait times down the line.

When Does an Investor Choose an EB-5 Visa Type?

Investors choose an EB-5 visa type at the time they select a project. The location and type of project determine whether you apply for a reserved or unreserved visa. To qualify for a reserved visa, your project must be located in a rural or high-unemployment TEA or qualify as a government-supported infrastructure project.

Due to these requirements, it is important to do thorough research on any project before investing. USCIS decides if a project qualifies as a TEA during its review of the project’s Form I-956F. As part of your due diligence, you should ask for the project’s I-956F approval notice and confirm which visa category the project is approved for.

You can then match this information with your personal immigration goals. When you file your Form I-526E, you’ll need to check a box indicating the type of project you’re investing in. USCIS will ultimately verify your visa category based on the project’s approved status.

Step-by-Step Guide to Choosing the Right EB-5 Visa Path

As a result of how complex an EB-5 investment could be, you need to conduct thorough due diligence before choosing a visa type and a project. Below is a quick guide on how to make an informed decision:

1. Define your investment goal: Think about your long-term goals. Do you want to prioritize a faster path to a visa, lower investment costs, or higher returns?
2. Check your budget: To invest in a standard EB-5 project, you need $1,050,000. However, if the project qualifies as a rural or high-unemployment targeted employment area (TEA), the minimum drops to $800,000. Many EB-5 investors choose TEA projects to benefit from the lower threshold and faster processing times.
3. Evaluate the EB-5 project: Look into the project’s financial health, job creation plan, and approval status. Also, review offering documents, financial statements, and the background of the project developer.
4. Look at the timeline and visa availability: If you come from a country with many EB-5 applicants (like China or India), you may wait years for a visa in the unreserved category. However, if you choose a reserved category, such as a rural EB-5 project, you may be able to get a visa faster.
5. Speak with trusted advisors: Before making a decision, consult experts such as immigration attorneys, financial advisors, and project managers. They can help you weigh the project options you have so you can minimize risk.

Choose the Right EB-5 Visa With EB5AN

Choosing the right EB-5 visa path takes time, research, and careful planning. Your decision ultimately affects your level of involvement, financial risk, and how long it may take to receive your Green Card. Therefore, you should seek professional guidance early on to avoid unnecessary mistakes and delays.

At EB5AN, we have experts who can help you find the right path towards your permanent residency in the United States. With a track record of helping over 2,300 families from over 70 countries relocate successfully to the U.S. as permanent residents, we are confident we can help you achieve your immigration goals as well.

Book a free consultation today to find the ideal EB-5 visa option for you.

For many individuals pursuing a U.S. Green Card through the EB-5 Immigrant Investor Program, one of the most critical requirements is proving that the funds used for the investment were legally obtained. The U.S. Citizenship and Immigration Services (USCIS) allows investors to use various sources of funds—including income from employment, proceeds from property sales, personal loans, gifts, inheritances, and more—as long as they can show a clear and lawful origin.

Among these options, a Home Equity Line of Credit (HELOC) is especially popular with EB-5 applicants already living in the United States, such as those on H-1B, E-2, or L-1 visas. These investors often own property and see their home equity as a valuable financial asset that can help them secure permanent residency.

This article walks through how EB-5 investors can use a HELOC to fund their investment and, just as importantly, how to demonstrate to USCIS that these funds were lawfully sourced.

Understanding What HELOC Is

A HELOC is essentially a line of credit that’s backed by the equity you’ve built up in your home. Instead of selling the property to access its value, you can borrow against the increase in your home’s market value. These loans are revolving credit lines, meaning you can withdraw funds up to a certain limit, repay them, and borrow again—much like a credit card.

HELOCs are particularly common among investors who have lived in the U.S. for several years and purchased homes during that time. Rather than liquidating assets or relying on complex financing structures, they simply leverage the value they already hold in their homes.

How HELOC Loans Work in Practice

Let’s break it down with a simple example. Suppose you bought a home in 2019 for $500,000. You likely made a 20% down payment—about $100,000—and financed the remaining $400,000 through a mortgage. Fast forward to today, and let’s say your home is now worth $1,000,000. That means you’ve built up $500,000 in equity.

A HELOC allows you to borrow a portion of that $500,000 without selling your house. The bank evaluates the current market value of your home, confirms the equity you’ve gained, and approves a loan based on that amount. You then repay the loan in installments—just like any other line of credit.

How to Prove Source of Funds When Using HELOC

When applying for an EB-5 visa, you’ll need to provide extensive documentation that proves not just where the HELOC money came from, but how you obtained the property and funded your mortgage in the first place.

Start with your home’s closing disclosure—a document issued by your lender when you originally purchased the property. This outlines the total cost of the home, the size of your down payment, and how the funds were transferred. USCIS will scrutinize this document to understand exactly how you came up with the money.

For instance, if your down payment was split into two installments—say, a $60,000 initial escrow deposit and a $40,000 final payment—you’ll need to show how you earned or saved that $100,000. USCIS will expect a full paper trail.

This involves pulling up old bank statements—usually going back seven years from the time of purchase—and extracting pay stubs, tax returns, and savings account activity that demonstrate how those funds accumulated. They want to make sure your money didn’t come from an undisclosed third party or a questionable source.

Additionally, you’ll need to prove that the mortgage you used to finance the rest of the purchase was paid using your regular, legally earned income. For this, your documentation should include W-2 forms, tax filings, and bank statements showing your mortgage payments from the time you bought the home until now.

In the earlier example, if you purchased the home in 2019 and are applying for EB-5 in 2025, your paperwork will span two periods: pre-purchase income and savings from 2017 to 2019, and mortgage-related income from 2019 to 2025.

Tips for a Successful EB-5 Filing Using HELOC Funds

While using a HELOC can be an effective funding method for your EB-5 investment, it’s crucial to follow best practices to avoid delays or rejections.

Hire an EB-5-Focused Immigration Attorney

Successfully documenting your source of funds is a specialized task. An experienced EB-5 immigration lawyer will know exactly what USCIS wants to see and can guide you through the entire process. They’ll ask questions like: When did you purchase your home? Did you receive help from friends or family? How have you paid your mortgage over time? The answers to these questions will help shape your documentation package.

Stick With Reputable Financial Institutions

To minimize complications, always secure your HELOC through a licensed bank or credit union. USCIS requires detailed source-of-funds documentation for any loan taken from a non-bank lender, such as online lending platforms or private institutions. That means if your HELOC provider isn’t a bank or credit union, you’ll be expected to provide documentation about how they obtained the money to lend you. This includes their own tax returns and bank statements—documents you almost certainly won’t be able to access.

Even if USCIS overlooks this during your initial I-526E petition, they could still raise the issue later during your I-829 filing. Without proper documentation, your Green Card could be at risk.

Choose EB-5 Projects With Clear Refund Guaranties

One extra layer of protection is to invest in a project that offers a solid I-526E denial refund guaranty. This way, if USCIS denies your petition due to issues with your source-of-funds documentation, you’re not left empty-handed.

Be wary of refund guaranties that use vague or conditional language like, “We’ll refund you if we can,” or “We’ll try to find a new investor to replace you.” These are not real guaranties. Read the offering documents carefully and make sure the refund clause is clear, direct, and enforceable.

Partnering With Professionals Can Make All the Difference

Using a HELOC for your EB-5 investment can be a practical and accessible choice—especially if you’ve built up significant equity in your home. But this strategy also brings added responsibility when it comes to proving your funds were lawfully sourced.

By working with qualified professionals, including an immigration attorney and a reputable regional center, you can navigate the EB-5 process more confidently. These experts will help ensure your documentation is thorough, accurate, and aligned with USCIS requirements.

With a 100% approval rate to date and over 2,300 families successfully guided through the EB-5 process, EB5AN offers trusted, low-risk projects and expert support every step of the way. Book a complimentary consultation with our team today.

Since its creation in 1990, the EB-5 Immigrant Investor Program has served as a U.S. initiative to encourage foreign investment and stimulate job growth. It offers eligible foreign nationals and their immediate families a pathway to a Green Card in return for a qualifying investment that results in the creation of at least 10 full-time jobs for U.S. workers.

One of the most critical components of a successful EB-5 petition—beyond meeting the minimum investment amount and job creation benchmarks—is proving that the funds being invested were obtained through lawful means.

The United States Citizenship and Immigration Services (USCIS), which manages the EB-5 program, enforces strict standards for documenting the origin and movement of investment funds. These guidelines are in place to safeguard the integrity of the program and are called proving “source of funds.”

USCIS generally accepts several legitimate sources of capital, including salaries, business earnings, real estate sales, stock dividends, personal loans, gifts, and inheritances.

However, global restrictions on capital transfers have made it increasingly challenging for investors to move money across borders through traditional channels. At the same time, the rise of cryptocurrency has provided an alternative method for transferring assets without using banks or conventional financial institutions.

In this article, we explore how EB-5 investors can use digital currencies as their investment capital and the documentation required to comply with U.S. immigration standards.

Understanding Cryptocurrency Basics

Cryptocurrencies are entirely digital assets secured through cryptographic methods. They operate on blockchain systems—public ledgers where every transaction is permanently recorded. Users store and manage these digital assets using digital wallets.

Some of the most recognized cryptocurrencies include Bitcoin, Ethereum, and Litecoin, all of which can be traded and stored on popular platforms like Coinbase and Circle. These platforms function as both exchanges and brokerages for buying, selling, and holding various coins.

The appeal of cryptocurrency lies in its decentralized nature—it doesn’t rely on central banks or government institutions. Transactions are secure and difficult to alter, making the technology attractive for investors seeking both privacy and efficiency.

As adoption grows, more EB-5 investors are exploring the possibility of using digital assets to finance their investment capital.

Meeting EB-5 Requirements With Crypto

If the necessary documentation is available, USCIS does recognize cryptocurrency as a valid source of EB-5 investment funds. However, petitions involving digital assets are subject to more intense scrutiny than those relying on traditional sources. For this reason, investors must be prepared to thoroughly demonstrate that their crypto assets are legally sourced.

Here are the key aspects to keep in mind:

1. Purchase Timing and Exchange Licensing

The timing of the cryptocurrency purchase is critical. USCIS requires that the digital currency be acquired through a legally operating exchange. If the exchange wasn’t licensed as a money transmitter at the time of purchase, the transaction may be deemed invalid.

Investors must verify that the platform they used was fully authorized by the relevant local regulatory body when they acquired their digital assets.

2. Providing Documentation for Crypto Purchases

A strong paper trail is essential. Investors need to demonstrate how they earned the money used to purchase the cryptocurrency. This typically involves providing financial documents like bank statements showing the initial transfer to the exchange, followed by records of the actual crypto purchase.

For older transactions where such records are unavailable—perhaps due to financial regulations or expired data—investors may submit affidavits or supplemental documents like tax returns, employer letters, and wage statements. While these are generally acceptable for conventional funding sources, crypto-related transactions demand more concrete evidence.

USCIS often expects to see things like digital wallet logs, blockchain ledger data, and detailed account activity. If such information cannot be recovered, investors are strongly discouraged from using cryptocurrency as a funding source for EB-5.

3. Tracing the Flow of Funds

Just as with fiat currency, investors must clearly establish the origin and movement of their digital assets. USCIS expects a complete transaction history—from the initial purchase to conversion and transfer into the EB-5 investment account.

If the investor cannot obtain the transaction history—for example, if the exchange platform has shut down—this gap in documentation may result in a denial. The agency treats any ambiguity in the path of funds as a red flag.

4. Tax Compliance and Reporting Obligations

For U.S. tax purposes, cryptocurrencies are classified as assets, and their sale or conversion may generate taxable gains. Investors are required to report these events on their tax returns and pay any applicable taxes, even if they do not receive formal documentation like a 1099 form from the exchange.

Those who previously failed to declare such income are not automatically disqualified. They may amend prior tax filings and pay the appropriate back taxes in order to bring their finances into compliance before submitting their EB-5 application.

5. Clarity Around Currency Conversions

Another common issue arises when cryptocurrency is converted from one coin to another. Unless detailed records of these conversions are available, including timestamps and transaction IDs, it may be difficult to demonstrate the legitimacy of the final capital amount.

Many investors are unaware of the complexity involved in documenting these types of transfers. As a result, they may unintentionally undermine their own application by failing to provide adequate evidence.

Because of this, anyone planning to use digital assets for an EB-5 investment should seek guidance from a qualified immigration attorney and EB-5 team who are well-versed in cryptocurrency-related documentation.

Partner With EB5AN for Expert Support

While digital currencies are no longer considered fringe assets, their acceptance in legal and immigration settings is still developing. Though crypto can serve as a valid EB-5 funding source, it comes with substantial documentation requirements and legal risks.

To avoid issues such as requests for evidence (RFEs) or petition denials, investors should approach this funding method carefully and ensure all required documentation is complete and accurate.

EB5AN, a top-tier EB-5 firm, has supported over 2,300 families from more than 70 countries in securing U.S. permanent residency. With years of hands-on experience in EB-5 compliance and source of funds documentation, our team is well-equipped to help you navigate the complexities of cryptocurrency use in your petition.

If you’re considering funding your EB-5 investment with digital currency, we invite you to schedule a free consultation with our team today.

A U.S. Green Card, also called a Permanent Resident Card, lets foreign nationals live and work legally in the United States. Millions of people around the world aspire to obtain one, whether for better job opportunities, to be with their families, or to invest in the U.S. economy. However, getting a Green Card can take a long time, sometimes years or even decades.

The time it takes depends on how you apply. Some ways are faster because they have fewer rules or special considerations that help people skip common delays. That is why knowing the fastest way to get a Green Card is important if you want to move to the U.S. quickly.

In this article, we’ll break down the different ways to get a Green Card and identify which of them is the fastest.

Most Popular Ways to Get a Green Card

Each method of getting a Green Card approval has its own requirements and processing times. Here is an overview of the major ways of securing a U.S. permanent residency and how to qualify for each.

Apply for a Family-Based Visa

This pathway allows U.S. citizens and lawful permanent residents (LPRs) to sponsor close family members to live in the United States. Below are the major types:

Immediate relatives of U.S. citizens: This category allows U.S. citizens to sponsor their spouses, parents, and unmarried children under the age of 21. Depending on the U.S. Citizenship and Immigration Services (USCIS) and consular processing delays, it takes at least 12 – 18 months to obtain this visa.

Family preference categories: Other family members of U.S. citizens can apply under family preference categories. However, waiting times vary between 2 to 15 years, depending on the relationship between the sponsor and the applicant.

Fiancé or Fiancée Visa: A U.S. citizen’s fiancé or fiancée can apply for a K-1 visa, which allows them to enter the U.S. and get married within 90 days. After marriage, they can apply for a Green Card through adjustment of status. The process usually takes one to two years.

The major downsides of the family-based visa option include:

• Eligibility is limited to individuals who have an immediate family member who is either a U.S. citizen or a Green Card holder.
• Engaging in a marriage solely to obtain a Green Card can result in severe criminal penalties if USCIS determines that the marriage was fraudulent.
• Applicants from certain countries may experience significant delays due to extensive visa backlogs, often waiting for many years before a visa becomes available.

Apply for Employment-Based Green Cards

Employment-based Green Cards offer opportunities to individuals with professional qualifications. The three most common categories are:

EB-1 for Priority Workers

This category is designed for individuals with extraordinary abilities, outstanding academic or professional achievements, and managerial experience. EB-1 visas are highly desirable because they typically do not require labor certification. The challenge with applying for an EB-1 visa is the difficulty that comes with proving that you have an “extraordinary ability.”

EB-2 for Advanced Degree Holders

Individuals with advanced degrees or exceptional skills can apply for an EB-2 visa. But you must have a job offer from a U.S. employer. You must also go through the PERM labor certification process, which proves that no qualified U.S. workers are available for the position.

National Interest Waiver (NIW)

This allows certain applicants to skip the employer sponsorship and labor certification process. To qualify for an NIW, applicants must demonstrate that their work substantially benefits the U.S. economy, culture, education, or public health. NIW cases tend to process faster than regular EB-2 visas since they bypass labor certification. However, some applicants may face significant waiting times due to per-country visa limits.

EB-3 for Skilled Workers

Workers who do not meet the strict qualifications of EB-1 or EB-2 but still possess valuable skills and experience can apply for EB-3 visas. All EB-3 applicants need a job offer and must complete the PERM labor certification process. The total EB-3 process often exceeds two years due to visa backlogs.

This category has three subgroups:

• Skilled workers with at least two years of work experience or training in a specific occupation. The position must not be temporary or seasonal.
• Professionals with at least a bachelor’s degree or its foreign equivalent.
• Workers like laborers and service workers with less than two years of training or experience.

Win the Green Card Lottery

The U.S. Department of State runs the Diversity Visa (DV) Lottery or the Green Card Lottery every year. This program gives up to 55,000 Green Cards to people from countries with historically low immigration to the U.S. Unlike other Green Card pathways, the DV Lottery is based entirely on luck because winners are chosen randomly.

Apply for the EB-5 Immigrant Investor Program

The EB-5 Immigrant Investor Program is one of the fastest and most direct ways to get a U.S. Green Card. It was created to attract foreign investment and boost the U.S. economy, and in return for making a significant investment and creating jobs, foreign investors and their families can gain permanent residency.

Below is an overview of the EB-5 program requirements:

• Minimum investment amount: The required investment amount is $1.05 million for businesses outside of targeted employment areas (TEAs). A reduced amount of $800,000 is the standard for businesses in TEAs, which include rural and high-unemployment areas. Your investment must remain at risk for at least two years.
• Job creation: To qualify for an EB-5 visa, your investment must result in the creation or preservation of at least 10 full-time jobs for U.S. workers.
• Investment in eligible EB-5 businesses: You can put your funds into a new commercial enterprise (NCE), which is a business started after Nov. 29, 1990. Regional Center projects are the most popular EB-5 investment options.

Steps to Apply for an EB-5 Visa

The EB-5 program is a great option for individuals who eventually want to be U.S. citizens without needing a family member or employer to sponsor them. However, it is done through a thorough procedure that includes the following:

• File Form I-526E: You must submit Form I-526E to USCIS, providing proof of investment, evidence that your capital was legally obtained, and a detailed business plan showing how at least 10 jobs will be created.
• Apply for a Green Card: If Form I-526E is approved, you can apply for a Green Card. If you are already in the U.S., you must file Form I-485 to adjust your status. For investors outside the U.S., they must complete consular processing through a U.S. embassy or consulate. Once approved, you and your family receive a conditional Green Card valid for two years.
• File Form I-829: Within 90 days before the two-year conditional Green Card expires, you must file Form I-829 to remove conditions and receive a permanent Green Card. You will have to prove that your investment was maintained, 10 jobs were created or preserved, and that the business remains operational. When Form I-829 is approved, you and your family receive your full, permanent and unconditional Green Card.
• Apply for U.S. citizenship: After holding a Green Card for five years, you become eligible to apply for U.S. citizenship through naturalization.

Why Investing in an EB-5 Regional Center Project in a TEA is the Fastest Pathway to a Green Card

For many Green Card applicants, the EB-5 program can be the most viable, direct and streamlined option to U.S. permanent residency. Especially for applicants born in high-demand countries, like Indian and Chinese nationals, investing in a rural TEA project through a trusted EB-5 regional center is the fastest employment-based route to a Green Card.

Thanks to concurrent filing, eligible applicants who already reside in the U.S. can submit their EB-5 petition and adjustment of status at the same time—often getting work and travel permits in just a few months, and the Green Card itself in under 10 months. Rural TEA projects are especially strategic because they qualify for priority processing, meaning USCIS reviews these cases much faster than standard EB-5 applications.

Get Your Green Card Faster With EB5AN

When seeking the fastest way to obtain a Green Card, working with an experienced regional center can make or break your timeline. These firms understand the intricate filing requirements, manage the EB-5 process from start to finish, and ensure your investment meets all USCIS standards. Any mistake in your application—especially with source of funds documentation or project compliance—can cause serious delays. So, a rural TEA investment through a reputable regional center is one of the smartest moves you can make.

EB5AN is a trusted EB-5 firm with a proven track record of helping over 2,300 families from 70+ countries achieve U.S. residency. Book a free call with us today to learn more about how we can guide you through the EB-5 program from application to approval.

The EB-5 Immigrant Investor Program offers foreign investors the opportunity to get a U.S. Green Card by making tangible investments in businesses that create jobs. While the program is attractive for those who want permanent residency, many investors are concerned about the return of their capital. This is because their EB-5 investment must remain “at risk” for at least two years to comply with the program regulations.

Understanding how repayment works is essential for protecting your financial security and improving your chances of recovering your investment. Some projects may succeed and generate returns, while others may experience setbacks that reduce the possibility of full payment. As a result of these complexities, it’s important to take proactive steps to protect your financial interest. In this article, we will explore practical ways to improve your chances of securing your EB-5 repayment.

Understanding EB-5 Repayment

The EB-5 visa process allows you to invest $800,000 in a targeted employment area (TEA) or $1,050,000 outside TEAs to become a permanent U.S. resident. This money remains “at risk” during the process, meaning there is no promise you will get your money back. However, repayment depends on the financial viability of your chosen project. And to assess this, it’s important to understand whether the investment is structured as a loan or equity.

Loan-Based vs. Equity-Based Investments

• Loan-Based Investment: This works like a loan, where you give money to a project that agrees to pay back after a certain period, usually with some interest. This option is less risky, however, the expected profits for such investments are not usually large.
• Equity-Based Investment: This option lets you become a part-owner of a project, and you only get paid if the project makes a profit. While there is the possibility of earning more, this option is riskier as it typically takes longer to see returns.

Deciding between a loan and equity investment depends on how much risk you’re willing to take. A loan investment is usually the better choice for investors who want more security. However, you can go for an equity-based investment if you want high potential returns and are okay with the underlying uncertainty.

The process for a loan-based investment may include fixed repayment terms with interest. On the other hand, an equity investment depends on the project’s profitability. Generally, investors are to keep their funds in their chosen project until they complete the EB-5 process.

What Are the Key Factors That Affect EB-5 Repayment?

EB-5 repayment is not automatic because it depends on several factors. Investors need to consider these conditions before choosing a project to minimize the risk of losing their money. Let’s check out some of these factors below.

The Project’s Financial Health

A project’s economic feasibility and financial health play a major role in whether investors get their money back. Strong projects have stable cash flow, controlled costs, and reliable revenue—not just future predictions. If a project depends too much on market speculation or lacks financial backing, then repayment becomes uncertain. Reviewing financial statements, profit projections, and debt levels can help assess its ability to repay investors.

Exit Strategy and Repayment Plan

If a project has a clear, well-planned approach for returning investor funds, repayment is much smoother. A weak or uncertain strategy, however, can lead to delays or even losses. Before investing, you should understand exactly how and when the project plans to return your capital.

EB-5 projects typically follow one of three repayment strategies:

• Selling the project: The development is sold after completion, and investors are repaid from the proceeds.
• Refinancing: The project secures a new loan to replace EB-5 funding and repay investors.
• Revenue generation: Businesses like hotels or rental properties use their profits to gradually repay investors.

Always confirm that the project’s exit strategy is realistic given market conditions, and ensure investors are prioritized in the repayment process.

Loan Terms and Capital Structure

The way a project structures its financing directly affects how and when EB-5 investors get repaid. Some projects rely solely on EB-5 funds, while others include bank loans, private financing, or developer equity. Understanding where EB-5 investors rank in repayment priority is crucial—if a project has too much debt, lenders may get paid first, delaying or reducing investor repayments.

Market Conditions and Demand

A project’s success—and your repayment—depends on the demand for its product or service. Economic shifts, interest rates, and industry trends can all impact profitability. For example, a real estate project may struggle if property values drop, or a hotel may underperform in a weak tourism market.

Before investing, assess market trends, competition, and long-term demand. Strong projects are in growing industries and stable locations, reducing the risk of financial struggles and repayment delays.

Regional Center and Developer Reliability

A regional center’s experience and history with EB-5 projects play a major role in repayment success. Regional centers and developers with a proven track record of completing projects and repaying investors are more likely to follow through on commitments. They also tend to provide regular updates, keeping investors informed about progress.

Before investing, research their past projects, financial stability, and repayment history. Look for independent reviews, past investor feedback, and any legal or financial issues.

Practical Ways to Improve Your Chances of Getting EB-5 Repayment

Investing in the EB-5 program offers the opportunity for U.S. residency. However, securing repayment and avoiding loss on the investment requires careful planning and proactiveness. Here are practical ways to improve the chances of successfully recovering an EB-5 investment.

1. Conduct Due Diligence

Before investing, thoroughly assess the project’s financial health, developer’s track record, and market conditions. A successful repayment depends on a project that is financially stable, well-managed, and backed by strong demand.

Examine financial reports—does the project have secured funding, pre-sold units, or contracts that guarantee revenue? If projections seem overly optimistic or unclear, that’s a red flag. Additionally, ensure the market conditions that the project relies on are strong and sustainable.

2. Negotiate Favorable Terms

Many investors overlook the fine print in their agreements. The repayment terms are often outlined in the investment documents—if EB-5 investors are ranked behind banks and other lenders, your repayment could be delayed. Ask about priority in repayment where possible to improve your chances of getting your money back on time.

Additionally, watch for vague clauses that allow repayment extensions or deferments under certain conditions. If terms seem unclear, seek legal advice before signing. Choosing projects with reasonable loan terms, minimal high-risk debt, and a clear repayment structure reduces the risk of unexpected delays.

3. Monitor the Project’s Progress

Investing in an EB-5 project is not a completely passive process—you need to stay informed to protect your investment. The role of regional centers is crucial here to ensure compliance with EB-5 requirements while keeping an open line of communication with investors. Regular monitoring ensures that funds are being used properly and that the project stays on track for completion, job creation, and repayment.

Stay in close contact with the regional center and request periodic progress reports. Track key milestones like construction progress, job creation numbers, and revenue generation. If you notice delays, mismanagement, or financial instability, raise concerns early. Proactive involvement can help you identify potential risks before they escalate and improve your chances of timely repayment.

4. Work With Experts

Navigating the EB-5 process alone can be risky, especially when it comes to evaluating projects, understanding repayment terms, and ensuring compliance. Working with experienced EB-5 investment professionals can help you spot red flags early and avoid high-risk investments.

Since industry experts have insider knowledge of EB-5 trends, project performance, and legal complexities, they can guide you toward safer investments with a higher likelihood of repayment. Their expertise ensures you make well-informed decisions, reducing risks and improving your chances of recovering your capital.

Partner With EB5AN for a Low-Risk EB-5 Investment

The EB-5 program provides a direct path to U.S. residency, but ensuring you are repaid depends on making the right investment choice. A strong, well-vetted project significantly reduces risk, making it essential to partner with experts who prioritize both your immigration success and financial security.

EB5AN has a proven track record of helping over 2,300 families from over 70 countries become lawful permanent residents of the United States. From obtaining your EB-5 Green Card to 100% capital repayment, we can do the same for you.

Schedule a free consultation now to find a reliable EB-5 project that prioritizes both your investment security and immigration success.

The EB-5 Immigrant Investor Program is a great option for individuals who want to expand their financial portfolio to ensure generational wealth while gaining access to global opportunities. This program, created by the U.S. government in 1990, allows foreign investors and their families to get a U.S. Green Card by investing in the U.S. economy.

However, the EB-5 program is more than just a way to move to the U.S.; it can also be a smart part of your long-term wealth plan. You can diversify your assets, benefit from the United States’ economic stability, and access various financial advantages.

In this guide, we’ll explain how EB-5 can fit into your long-term wealth management so you can make the most of this opportunity.

Understanding the EB-5 Program

The EB-5 Immigrant Investor Program was created by the U.S. government to boost the American economy through foreign investments. Over time, it has become popular among high-net-worth individuals (HNWIs) who want both financial security and a way to get U.S. permanent residency.

To qualify for the EB-5 program, you must invest in a new business that creates at least 10 full-time jobs for U.S. workers. The minimum required investment is either $1,050,000 or the lower amount of $800,000 in targeted employment areas (TEAs), which include rural regions or areas with high unemployment.

The process of obtaining a Green Card through the EB-5 program involves the following steps:

• Select an EB-5 project: You choose a qualifying EB-5 visa project to fund, either through a direct investment or a regional center. The overwhelming majority of all investors choose the regional center pathway.
• File Form I-526E: You submit the Form I-526E to the U.S. Citizenship and Immigration Services (USCIS) as proof that your investment meets the EB-5 program criteria.
• Receive conditional Green Card: If your I-526E petition is approved, you and your family (spouse and children under 21) can apply to receive conditional Green Cards, granting them U.S. residency for two years. This process varies depending on whether you are already in the U.S. on a nonimmigrant visa, or abroad.
• Fulfill the job creation requirements: Your investment must continue to meet EB-5 job creation requirements for at least two years.
• File Form I-829: Before the conditional Green Card expires, you must submit Form I-829 to USCIS as evidence that your investment remains active and has met job creation requirements.
• Obtain permanent residency: Upon approval of your I-829 petition, you receive a permanent Green Card, allowing you and your family to live, work, and study in the U.S. without any conditions.
• Become a citizen: After five years of permanent residency, you can apply for U.S. citizenship by naturalization if you meet all requirements.

EB-5 Investment as a Long-Term Wealth Management Strategy

Wealth management involves strategic financial planning to preserve, grow, and transfer wealth across generations. Here is how an EB-5 investment can support your long-term financial management goals:

1. Diversification of Assets

Incorporating an EB-5 investment into a long-term wealth management strategy allows investors to diversify their portfolios by adding U.S.-based assets. This helps to protect their wealth from financial instability in their home countries. Given the strength and stability of the U.S. economy, investing through the EB-5 program provides a sense of security while also ensuring asset diversification.

EB-5 investments, particularly in real estate, act as a tangible asset class that is less volatile and less susceptible to inflation compared to many other investment types.

Additionally, EB-5 investments support geographical diversification. For foreign HNWIs, it offers an opportunity to invest in the U.S., leveraging its growth potential while spreading risk across different regions. U.S.-based investors can also use EB-5 projects to diversify within the country, investing in regions outside their primary area of residence.

2. Capital Repayment With Potential Profits

EB-5 investors are expected to place their money “at risk,” meaning there are no guaranteed returns. However, many approved regional centers focus on capital preservation, thus structuring their projects to increase the chances of repaying investors.

Investors may receive repayment of funds depending on the success of the EB-5 project. Also, the potential for profit depends on the investment structure. Some projects offer a fixed interest rate, while others provide an equity stake, allowing investors to share in the project’s long-term value growth.

3. Retirement Planning and Financial Security

The EB-5 program is a good option for retirement because it grants you access to the U.S. financial system. Green Card holders can open bank accounts, invest in American markets, and benefit from the stability of the U.S. dollar. They may also use tax-advantaged retirement accounts, which offer either tax-deferred growth or tax-free withdrawals, helping them plan for the future.

Another key benefit is access to top-tier U.S. healthcare. Green Card holders may enroll in Medicare and private insurance, ensuring quality medical care in retirement. Smart tax planning can further reduce estate taxes and protect generational wealth.

4. Improved Access to Business Expansion and U.S. Financial Markets

The United States has the largest stock exchanges, private equity opportunities, and real estate markets, which can help HNWIs expand their investment portfolios. With a Green Card, EB-5 investors can easily open bank and brokerage accounts without restrictions, unlike non-resident foreign investors.

For entrepreneurs, permanent residency removes immigration barriers, enabling them to launch businesses in sectors like technology, real estate, and healthcare. It also provides access to business credit, U.S. financing, and partnerships with American companies.

Additionally, EB-5 investors may qualify for U.S. mortgage loans at lower interest rates, enhancing real estate investments. Legal protections for U.S. residents further ensure financial security. This access extends to your family’s next generation because children of EB-5 Green Card holders can attend top U.S. universities and join the U.S. job market, strengthening long-term family wealth.

After five years of residency, Green Card holders can apply for U.S. citizenship, gaining access to one of the most powerful passports in the world. They will have visa-free access to over 180 destinations. With this global mobility, investors can explore international business opportunities and strengthen their financial standing on a global scale.

Work With EB5AN to Get the Best out of Your EB-5 Investment

The EB-5 program presents a unique opportunity for high-net-worth individuals to secure U.S. residency while strategically growing and protecting their wealth. However, working with experienced professionals is key to ensuring the best possible outcome with the EB-5 process.

By partnering with EB5AN, you gain a team of seasoned experts dedicated to guiding you through every stage of the EB-5 process. As a result of our commitment to transparency and a focus on risk mitigation, we have helped more than 2,300 families across 70+ countries to become Green Card holders.

Book a free session with us today to take your first step in securing your future in the United States.

Success in the EB-5 visa program largely depends on accurate documentation. Applicants usually underestimate how closely the U.S. Citizenship and Immigration Services (USCIS) reviews their paperwork, making documentation errors one of the biggest challenges in the EB-5 process.

USCIS reviews each document carefully to ensure all requirements are met. If anything is missing or unclear, the agency may issue a Request for Evidence (RFE) or a Notice of Intent to Deny (NOID), leading to setbacks and increased scrutiny. Many of these errors arise from a poor understanding of the program’s requirements or a lack of expert guidance.

In this article, we will discuss five of the most common EB-5 documentation pitfalls and how to avoid them to move closer to your goal of U.S. residency.

Why Proper Documentation Matters in the EB-5 Process

Proper documentation proves your eligibility and improves your chances of a smooth application process. USCIS requires investors to submit documents such as personal IDs, financial statements, and proof of job creation and investment. If any of these are incomplete, inaccurate, or inconsistent, it can create doubts about the legitimacy of an investor’s funds. Therefore, the agency may request additional evidence, leading to longer wait times.

Documents Required for an EB-5 Visa Application

The EB-5 visa program involves making a minimum investment of $800,000 in targeted employment area (TEA) projects or $1,050,000 in non-TEA projects. To get started, foreign investors must submit a range of documents. Below are the key documents required:

1. Personal identification documents: You must provide a valid passport, birth certificate, and any previous immigration records. If married, you must include a marriage certificate and documents for your dependents.
2. Proof of investment capital: You are expected to submit financial statements showing you have invested or are in the process of investing the required amount. Bank records, wire transfer receipts, and business agreements help prove this.
3. Source-of-funds documentation: USCIS requires a detailed history and clear trail of your investment source of funds. Therefore, you must provide tax returns, pay stubs, property sale records, or business profit statements. Any gaps or missing records can delay your application.
4. Job creation evidence: You must show how your investment created at least 10 full-time U.S. jobs. You will have to submit business plans, payroll records, and employment reports to prove this. This and many other steps may be handled by reputable regional centers if you’re working with one.
5. Investment documentation: EB-5 investors must prove their capital investment in a new commercial enterprise (NCE). Acceptable documents include bank statements, purchase agreements, asset transfers, and stock agreements. Form I-526E petitions must include a copy of the Form I-956F receipt notice to confirm that the project is USCIS-approved.
6. Immigration and legal records: Foreign nationals with prior U.S. visas must provide documentation of their immigration history. Any past visa violations or legal issues must be disclosed with supporting documents.

5 Most Common EB-5 Documentation Issues

Being aware of the possible pitfalls in EB-5 documentation is the first step to avoiding them and strengthening your application. Below are five common documentation issues that investors should watch for.

1. Inaccurate or Incomplete Personal Information

Minor discrepancies in names, birthdates, or addresses across passports, tax records, and application forms can create issues. USCIS flags inconsistencies as potential red flags, which can lead to an RFE or a NOID. Common pitfalls include:

• Failing to update personal details after name changes, marriage, or divorce.
• Using abbreviations or variations of names that do not match official documents.
• Failure to translate non-English documents into English.
• Providing outdated or incorrect addresses or contact details can lead to USCIS reaching out to you for clarification or further verification.

2. Lack of Detailed Source of Funds Records

USCIS requires EB-5 investors to prove that their investment funds come from lawful sources for their Form I-526E application. They must provide a paper trail showing the complete movement of funds from the original source to the EB-5 investment.

Common challenges in this regard include:

• Incomplete financial records: Bank statements, tax returns, or contracts related to the sale of assets may be missing.
• Multiple funding sources: Mixed sources of funds must each have a clear, traceable path. This includes business income, inheritance, property sale, and gifts.
• Unavailable tax records: Some countries do not issue tax returns, making it difficult to verify earnings. Investors in this situation should obtain a declaration from a tax professional explaining their financial history.
• Unclear loan documentation: If you are using borrowed funds, you must prove that the loan is secured by personal assets and that the NCE is not the collateral.

3. Errors in Investment Capital Documentation

Applicants must demonstrate that they have invested or are in the process of investing the required capital in an NCE. Regional center investors must also submit a Form I-956F receipt notice to confirm that their investment aligns with a USCIS-approved project. Direct investors need to provide bank statements, business registration records, purchase agreements, and payroll documentation to prove active participation.

Investment capital mistakes often include:

• Lack of proof of funds transfer: USCIS requires bank statements, wire transfer receipts, or escrow agreements showing the funds reaching the NCE.
• Funds not being at risk: Investments must carry a risk of loss and be irrevocably committed to the NCE.

4. Insufficient Job Creation Documentation

To qualify for an EB-5 visa, investors must prove that their investment created at least 10 full-time jobs for U.S. workers. Job creation documentation mistakes can include:

• Vague business plans without a clear hiring timeline.
• Lack of records proving full-time employment.
• Failure to show direct job creation for direct EB-5 projects.

For regional center investors, jobs can be direct, indirect, or induced. USCIS accepts economic impact reports showing projected job creation. These reports must be prepared by reliable economic analysts and supported by project data.

5. Immigration History and Compliance Issues

Past immigration violations can impact an EB-5 application. USCIS thoroughly checks your visa history, previous applications, and compliance with U.S. immigration laws. Common immigration history issues include:

• Unreported past visa overstays or violations that could affect eligibility.
• Failure to maintain legal status while in the U.S. under other visa categories.
• Inconsistent records between past visa applications and EB-5 filings.

Applicants must provide a complete immigration history, including:

• Copies of previous U.S. visas and entry and exit records.
• Form I-94 travel records confirming lawful entries.
• Any waivers or approvals related to past immigration issues.

What to Do if You Cannot Obtain Necessary Documentation

USCIS requires specific documents to verify EB-5 eligibility, but some investors may struggle to obtain certain records due to local regulations, lost files, or unavailable government records. When this happens, the best approach is to provide alternative evidence. Primary evidence, such as birth certificates, tax returns, and bank statements, should always be submitted in their original form.

If these are missing, secondary evidence, such as notarized affidavits, official letters, or financial statements, can help fill the gap. For example, if tax records are inaccessible, a letter from a tax professional explaining the situation may serve as a substitute. As a last resort, investors can submit a personal declaration detailing why the required documents are unavailable and outlining efforts made to obtain them. Since USCIS examines declarations closely, they must be clear, honest, and well-supported.

Work With EB5AN for a Successful EB-5 Process

To move through the EB-5 process smoothly, it’s important to work with experienced professionals—reputable regional centers, immigration attorneys, and financial advisors. Since EB-5 regulations can change, staying informed is essential.

Consistent communication with your team helps ensure your application stays on track. Regular check-ins make sure all documents meet USCIS requirements and reduce the risk of last-minute issues. Don’t hesitate to ask questions about deadlines, required documentation, or any concerns that arise. Working with a transparent, responsive regional center can make a big difference.

EB5AN has guided over 2,300 families from more than 70 countries through the EB-5 process with precise, well-prepared applications. Our experienced team ensures every detail is handled with care. Schedule a free consultation and take the first step toward securing your Green Card through EB-5.

Retirement is that stage in our lives where stability, financial security, and access to important services like health care become important. This is why many retirees seek options that offer safety and a good standard of living.

Settling in the United States has become an attractive choice for retirees because of its well-developed economy. However, securing long-term residency in the U.S. can be challenging, especially for retirees without family sponsorship or employment-based visas. Luckily, the EB-5 Immigrant Investor Program is a self-sufficient route for retiree investors to get a Green Card by making a qualifying investment in a U.S. business.

In this article, we will be discussing how the EB-5 program works and how it is a possible option for retirement in the U.S.

An Overview of the EB-5 Program

The EB-5 Immigrant Investor Program allows foreign investors to obtain a U.S. permanent residency by making a qualifying investment in a U.S. business. The goal is to stimulate economic growth and create jobs for American workers. To qualify, foreign nationals must:

• Invest $1,050,000 in a new U.S. business, or $800,000 if the business is in a targeted employment area (TEA).
• Ensure their investment leads to the creation of at least 10 full-time jobs for U.S. workers.
• Provide evidence that the investment funds were lawfully obtained.

Unlike work visas, which require active employment to stay in the U.S., the EB-5 visa does not. Therefore, it is an ideal option for retirees who wish to relocate to the U.S. without employment obligations. Retirees can choose between two main EB-5 investment options:

1. Direct investment: Here, you invest in a business and actively manage it.
2. Regional center investment: Regional centers allow you to invest in a government-approved project, such as real estate, infrastructure, or hotel developments. This is a passive investment option, making it ideal for retirees who might not want to manage a business. Job creation requirements are also easier to fulfill in regional center investments.

The EB-5 Investment Process

The EB-5 visa process takes several steps, and the total time to obtain a permanent Green Card can vary based on factors like United States Citizenship and Immigration Services (USCIS) processing times, project approval, and individual circumstances. Here’s an overview of the process:

1. Filing the I-526E petition: This proves that you have made a qualifying investment and that the funds used were legally obtained.
2. Conditional Green Card: Once the I-526E petition is approved, you receive a conditional Green Card. It is valid for two years and allows the retiree to live, travel, and access healthcare in the U.S. If you are already in the U.S. under valid nonimmigrant status, you can file for your adjustment of status concurrently for a streamlined application process. Many investors who worked with EB5AN have successfully obtained their Green Cards in under 12 months.
3. Filing the I-829 petition: Before the two-year conditional period ends, you must submit the I-829 petition to prove that your investment met the job creation requirement. Once USCIS approves the I-829 petition, the retired investor will receive a permanent, unconditional Green Card.
4. U.S. citizenship eligibility: After holding lawful permanent resident status for five years, investors may apply for U.S. citizenship through naturalization. This five-year period begins upon the granting of the initial two-year conditional permanent residency.

Benefits of EB-5 for Retirees

The EB-5 program offers retirees the peace of mind and flexibility they need. Moreover, unlike other visa programs that may require constant renewals, the EB-5 Green Card provides long-term security. Below is a highlight of the main benefits of the EB-5 program for retirees:

1. Stability Through Permanent Residency

A U.S. Green Card is more than just a permit to live in the country but a long-term investment in the ability to enjoy life indefinitely without visa-related worries. Many retirees struggle with temporary visas that have strict stay limits. With an EB-5 visa, those concerns that come with a temporary immigration status disappear. Additionally, the permanent residency benefits extend to the retiree’s spouse and unmarried children under the age of 21.

2. Access to the U.S. Healthcare System

The U.S. is home to some of the world’s best hospitals, medical professionals, and specialized treatments. Therefore, it’s an ideal destination for investors who prioritize their health. With an EB-5 visa, retirees gain access to world-class medical care without the restrictions that non-residents often face. Moreover, many states offer high-quality healthcare programs designed to assist retirees in finding affordable medical care.

3. Freedom From Employment Requirements

The EB-5 visa allows retirees to live in the U.S. without needing to work or manage a company. This makes it an ideal option for foreign nationals who have saved enough for retirement and want to spend their later years pursuing personal hobbies and spending more time with family.

4. Full Control Over Where You Reside

Retirees with a Green Card can live anywhere in the United States. They can choose the perfect place that fits their lifestyle, whether it is a warm and sunny coastal city, a peaceful suburban neighborhood, or a vibrant metropolitan area.

States like Florida, Arizona, and Texas are particularly popular due to their warm weather, affordable housing, and strong retirement communities. Another major advantage of the EB-5 visa is that retirees can freely buy real estate, invest in rental properties, and establish permanent roots.

5. Retirement and Tax Benefits

The U.S. offers a well-regulated financial system that retirees can rely on. They can invest in real estate, stock markets, and other financial assets without restrictions. While U.S. residents are subject to taxation on their worldwide income, retirees can work with financial advisors to structure and optimize their tax planning.

The U.S. has tax treaties with countries like Canada, which can help reduce the burden of double taxation. Retirees who do not actively earn typically have lower tax obligations compared to individuals with high earnings. Moreover, some states have tax-friendly policies for retirees. For example, Florida, Texas, and Nevada do not have state income taxes, making them attractive options for retirees looking to minimize their tax liability.

6. Potential for Full Repayment

Although your funds remain at risk throughout the investment period, the EB-5 visa program is structured as an actual investment. Therefore, retirees have an opportunity to get their capital back and even earn profits, depending on the investment they choose.

7. Access to U.S. Business and Investment Opportunities

Permanent residents can take advantage of various financing options and business loans that are often unavailable to non-residents. This is particularly useful for retirees who want to start a small business or explore passive income opportunities without needing active employment. Additionally, the U.S. market offers investment options like stocks, bonds, and mutual funds, which can provide stable returns during retirement.

Best Practices When Choosing EB-5 Investment For Retirement

Making the right investment choice is crucial for retirees considering the EB-5 program. While the program offers a direct path to U.S. residency, selecting the wrong project could lead to financial losses or delays in obtaining a Green Card. The following are proven EB-5 investment best practices to increase the likelihood of a successful and stress-free retirement in the U.S.

1. Select Low-Risk and Financially Stable Projects

Choose investments that have a strong history of success, including USCIS approvals, investor repayments, and a stable financial plan. Low-risk projects are often linked to well-known regional centers that have completed past EB-5 investments. These projects usually focus on safe industries like real estate.

Rural EB-5 investments are also a great option, as the U.S. government gives them priority, so they get processed faster. Additionally, they require a smaller investment capital, making them more affordable for retirees who want a Green Card while keeping their savings secure.

2. Work Closely With Professionals

The EB-5 process involves legal, financial, and immigration complexities, making it essential to work with experienced professionals. Immigration attorneys, financial advisors, and EB-5 consultants can help retirees navigate the process, structure their investments wisely, and ensure compliance with the program requirements.

3. Diversify Your Funding Sources

It’s advisable to think carefully about funding your investment because while many use personal savings, relying on different funding sources can offer more financial security and flexibility. Good planning helps retirees avoid draining their savings or risking their retirement plans.

A smart approach is to combine savings, bank loans, investments, and real estate equity. Retirees who own property in their home country can sell assets or take out home equity loans to help fund their EB-5 investment. This way, they keep other financial resources while preparing for permanent residency in the U.S. It also provides a safety net in case of unexpected delays or rule changes in the EB-5 program.

Retirees Trust EB5AN to Obtain their Green Card

The EB-5 program provides retirees with a unique opportunity to secure permanent residency while benefiting from financial growth and security. However, to make the most of this investment, retirees must choose the right investment option and seek professional guidance from industry experts like EB5AN.

EB5AN has built a strong reputation for helping over 2,300 families from 70+ countries successfully navigate the EB-5 program. Our experienced ensure that foreign investors, including retirees, choose reliable investments that not only secure their Green Cards but also protect their financial future.

Take your first step in partnering with us by booking a one-on-one consultation with our EB-5 professionals today.

The EB-5 Immigrant Investor Program is a pathway for foreign investors to obtain U.S. permanent residency. They do so by investing in projects that create jobs to stimulate economic growth in the United States. While the program has been around since 1990, it remains widely misunderstood.

Sadly, misinformation and misconceptions about the EB-5 program have led to confusion, missed opportunities, and even costly mistakes for foreign nationals. Although some of these claims have elements of truth, they often overcomplicate and distort reality.

By separating fact from fiction in how EB-5 investment actually works, you can navigate the program with confidence. In this article, we will be debunking some common myths about EB-5 for investors considering residency in the U.S.

Common Myths About The EB-5 Investment Program

Understanding misconceptions about EB-5 investment is crucial for navigating what can be a complex yet rewarding process. Keep reading as we clarify common myths and provide factual information to help you understand the EB-5 program better.

MYTH: You Must Be a Millionaire to Qualify for EB-5

It’s easy to see why this myth persists—after all, the EB-5 program requires a significant investment. Investors must contribute at least $1,050,000 to a new commercial enterprise or $800,000 if the project is in a targeted employment area (TEA).

However, having a million dollars sitting in a bank account isn’t a requirement. The EB-5 program accepts capital from various legitimate sources, including personal earnings, savings, inheritance, gifted funds, proceeds from property sales, loans, and liquidated investments. The key requirement is proving that all investment funds come from lawful sources with proper documentation.

Additionally, investors don’t always need to provide the full amount upfront. A partial investment can be made, with the remainder contributed within a set period. This flexibility allows investors to strategically manage their assets while meeting program requirements.

MYTH: The EB-5 Program Is Just a Way to Buy U.S. Citizenship

Fact: The EB-5 program does not grant automatic U.S. citizenship. It provides a pathway to permanent residency through investment and job creation.

Foreign nationals must make a minimum investment of $800,000 in a targeted employment area (TEA) in a qualifying business that creates at least 10 full-time jobs for U.S. workers. You must prove that the funds were legally obtained and invested as required. After obtaining a conditional Green Card, you must continue meeting the program requirements for at least two years before applying for full, unconditional permanent residency.

You can apply for U.S. naturalization after holding a Green Card for at least five years. Investors must meet residency requirements, pass an English and civics test, and demonstrate good moral character to qualify.

MYTH: Getting an EB-5 Green Card Is a Long Process

Before the EB-5 Reform and Integrity Act (RIA) of 2022, investors from backlogged countries like China and India faced years-long delays in obtaining a Green Card. Now, thanks to the set-aside visa categories, that waiting period can be significantly reduced.

Rural EB-5 investments, which receive 20% of the annual EB-5 visa allocation, are processed with priority by USCIS. As a result, investors in rural projects can secure their Green Cards in less than 12 months—a major advantage over traditional EB-5 investments.

However, this window of opportunity won’t last forever. As demand for set-aside visas grows, backlogs will eventually affect these categories as well. Investors from India and China should act now to take advantage of current availability, especially while concurrent filing remains an option. Once these countries retrogress on the visa bulletin, investors will lose the ability to live and work in the U.S. while their EB-5 petitions are pending.

MYTH: The EB-5 Program Is Replete With Fraud

Fact: While there have been cases of fraud, the EB-5 program is heavily regulated to protect investors.

Like any investment program, the EB-5 program has faced instances of fraud and mismanagement, often from unverified project developers rather than the program itself. However, these cases do not define the entire EB-5 process. The U.S. government has strengthened oversight and introduced strict regulations to reduce fraud risks.

For example, the EB-5 Reform and Integrity Act of 2022 (RIA) increased transparency by requiring third-party audits, background checks on developers, and closer government supervision. Also, reputable regional centers regularly report financial and job creation data to ensure compliance. To further protect yourself, you should conduct due diligence and work with experienced professionals who can safely help you navigate the process.

MYTH: The EB-5 Program Is Only for People From Certain Countries

Fact: The EB-5 program is open to investors from all nationalities.

Anyone who meets the program’s investment and job creation requirements can apply, regardless of where they are from. However, some countries face longer wait times due to high demand.

On the other hand, foreign nationals from countries with low application numbers generally have faster processing times. Despite visa backlogs for some applicants, the EB-5 program remains available to investors worldwide. Generally, you can do the following to reduce the likelihood of delays if you are from a high-demand country:

• Apply under a rural project, which has reserved visa allocations and priority processing.
• Explore concurrent filing if you are already in the U.S. on a valid visa.
• Plan your investment early to account for processing times.

MYTH: Investing Directly in an Already-Created Business Is Easier and Faster

Fact: Investing in an existing business may be possible, but it must meet strict EB-5 requirements, making it neither easier nor faster.

Although an established business may seem simpler, you will still have to prove that your capital directly created at least 10 new jobs, not just maintained existing ones. The business must also meet the EB-5 definition of a “new commercial enterprise.” Therefore, simply buying a business or investing passively doesn’t qualify. You must actively contribute to the company’s growth and prove measurable economic benefits.

This is why investing through a designated regional center is the most straightforward and convenient option. With over 95% of EB-5 investors choosing this path, it remains the preferred route due to its structured investment model and simplified job creation requirements.

MYTH: Investors Can’t Leave The U.S. While Their EB-5 Application Is Being Reviewed

Fact: Investors can travel outside the U.S. while waiting for their Green Card, but they need proper documentation.

During the EB-5 application process, travel rules depend on the investor’s immigration status:

• Investors applying abroad can travel freely because traveling does not affect the application process. However, they must attend their visa interview at a U.S. consulate once scheduled.
• Investors applying from within the U.S. cannot leave the country unless they have filed the I-131 petition (advance parole). This is a travel document allowing re-entry during the application process, and leaving without it may result in application denial or reentry issues.

Once investors receive their conditional Green Card, they can travel internationally without needing special permission. However, they must not stay outside the U.S. for long periods at a time, as this can affect their permanent residency status.

Contact EB5AN to Have a Better Understanding of the EB-5 Process

Securing an EB-5 visa is more than just an investment—it’s a life-changing opportunity to build a future in the United States. Therefore, you should not let misinformation deter you from exploring this privilege. Equip yourself with accurate information and realistic expectations so you can start this journey confidently.

If you’re considering applying for an EB-5 visa, you can partner with the experienced professionals at EB5AN. We specialize in guiding investors through every step of the EB-5 process. Our EB-5 projects have a proven track record of assisting over 2,300 families from more than 70 countries.

Schedule a one-on-one consultation with our expert team today for personalized guidance on your EB-5 investment.