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At Visa Business Plans, we just returned from the Open Atlas Summit 2025 in Silicon Valley, the largest high-skilled immigration event in the U.S. The conference gathered attorneys, economists, and service providers to discuss the future of immigration strategies for this group of individuals. One of the most interesting panels we attended focused on alternative ways to fund an EB-5 petition, a subject we know well from our extensive work with EB-5 clients.
For many foreign nationals currently on H-1B visas, the EB-5 program represents a powerful path to permanent residency. But the most common question we hear is: How do I fund my EB-5 investment? At the Summit, it was reaffirmed that applicants are not limited to traditional cash savings. In fact, there are several creative, legitimate ways to structure EB-5 funding — methods that we have helped many of our clients successfully use.
Alternative Ways to Fund an EB-5
1. Line of Credit
Applicants can use a line of credit, provided the loan is not secured by assets of the EB-5 business.. This option allows investors to leverage existing wealth while maintaining flexibility. As long as the funds can be traced and properly documented, this is a viable way to meet EB-5 requirements.
2. Home Equity Line of Credit (HELOC)
For clients who own property, a HELOC can unlock the equity tied up in real estate. This is an attractive option for H-1B holders who have purchased homes in the U.S. during their stay. It allows them to use the value of their home to invest in their EB-5 while retaining ownership.
3. Gifts
Another approved source of EB-5 funding is a gift. Parents or relatives can provide funds as long as the money is legally transferred and the source of the donor’s funds can be documented. This option often plays a role in family-supported applications and must meet regulatory requirements.
Why This Matters
The Atlas Summit confirmed what we see every day in our firm — that creative financing solutions can make the EB-5 pathway accessible to more people, especially those moving from H-1B status. The key is ensuring these funding structures are carefully documented and clearly explained in the business plan.
At Visa Business Plans, we have extensive experience working with clients who pursue EB-5 through these methods. Our role is to create credible, detailed, and persuasive business plans that not only satisfy USCIS requirements but also reflect the investor’s financial strategy accurately.
If you are currently on an H-1B and considering EB-5, know that your options may be broader than you think. With the right planning and guidance, the path to permanent residency can be within reach.
Contact us today to get started
The information provided in this blog is intended solely for informational purposes. While we strive to offer accurate and up-to-date content, it should not be considered legal advice. Immigration laws and regulations are subject to change, and individual circumstances can vary widely. For personalized guidance and legal advice regarding your specific immigration situation, we strongly recommend consulting with a qualified immigration attorney who can provide you with tailored assistance and ensure compliance with current laws and regulations.
Visa Business Plans is led by Marco Scanu, a certified coach from the University of Miami with a globally-based practice coaching Fortune 1000 company executives, entrepreneurs, as well as professionals in four different continents. Mr. Scanu advises clients on turnaround strategies and crisis management.
Mr. Scanu received a bachelor’s degree in Business Administration (Cum Laude) from the University of Florida and an MBA in Management from Bocconi University in Milan, Italy. Mr. Scanu was also a Visiting Scholar at Michigan State University under the prestigious H. Humphrey Fellowship (Fulbright program) with a focus on Entrepreneurship, Venture Capital, and high-growth enterprises.
At present, Mr. Scanu is the managing partner and CEO at Visa Business Plans, a Miami-based boutique consulting firm providing attorneys and investors with business planning services in the areas of U.S. and Canadian immigration, SBA loans, and others.
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