A Capital-Led Path to U.S. Residency for Indian Founders & Families

Secure your U.S. Green Card by investing in USCIS-approved Rural TEA projects at just $800,000, with Goldwater’s structured loan model that requires only $400K to $500K upfront.

Concurrent filing for Adjustment of Status

Work Permit (EAD) in as fast as 30–90 days

Green Card within 12–16 months for rural investments

Full compliance with FEMA, RBI, and USCIS rules

Who is it for

Goldwater’s EB-5 loan-backed model is purpose-built for:

H-1B professionals

H-1B professionals seeking an exit from visa uncertainty

Indian startup founders

Indian startup founders with capital tied to growing businesses

long-term U.S. residency

Parents securing long-term U.S. residency for their children

UHNI families & family offices

UHNI families & family offices seeking RBI-compliant global mobility

Medical professionals

Medical professionals pursuing flexibility and independence

Capital Comparison

Component

Upfront Investment

Legal + USCIS Filing Fees

Loan Interest (5 years)

Other Fees (Admin, Tax, etc.)

Capital Savings Advantage

Total Outlay
Traditional EB-5

$800,000

$40,000

$0

$20,000–$30,000

$0

$860,000–$870,000
Goldwater Loan Model

$400,000–$500,000

$400,000–$500,000

$40,000

$20,000–$30,000

$240K+ opportunity value from retained capital

$560,000–$670,000

All investments remain “at risk” per USCIS guidelines. Structures may vary based on jurisdiction, asset mix, and profile.

EB-5 Loan Model: Legal Backing

Goldwater’s model is built on the landmark Zhang v. USCIS ruling:

“Cash is fungible... the buyer's source of cash—whether paycheck, gift, or loan—makes no legal or practical difference.”

USCIS must accept loan proceeds as EB-5 capital if lawfully obtained

Collateral not required beyond your equity stake in the EB-5 NCE

 Loan must be personally liable and well-documented

Christopher A. Bates, Counsel to the Assistant Attorney General, U.S. Department of Justice, argued the cause for…

Looking for a broader FAQ on EB-5 eligibilitybenefits, and process?

Is the EB-5 loan model compliant with FEMA regulations?

Yes. Goldwater ensures that any Indian tax resident using our model adheres to FEMA and RBI guidelines. Loans are structured in compliance with Indian outbound capital rules, with oversight from legal and tax advisors.

Who can legally access this EB-5 loan model?

While Indian tax residents cannot directly take the loan, it is fully accessible to: - Children studying or residing overseas - Non-resident Indians (NRIs) - OCI/Green Card holders abroad

What kind of collateral is required?

None beyond your EB-5 equity stake. Your economic interest in the New Commercial Enterprise (NCE) serves as the only collateral. No third-party property or additional security is needed.

Is this model USCIS-compliant?

Yes. It is structured per the Zhang v. USCIS ruling and USCIS Policy Manual guidelines. As long as the source of funds is lawful, loan proceeds are considered valid investment capital.

What documents are required to prove lawful source of funds?

Depending on your case: salary records, business sale proceeds, property transactions, or gift deeds (for parent-to-child transfers). Goldwater assists you in preparing a fully documented Source of Funds (SOF) package.

When do I get my capital back?

Most EB-5 projects target a capital return timeline of 5–7 years, subject to exit terms and I-829 approval.

Is the EB-5 loan model compliant with FEMA regulations?

Yes. Goldwater ensures that any Indian tax resident using our model adheres to FEMA and RBI guidelines. Loans are structured in compliance with Indian outbound capital rules, with oversight from legal and tax advisors.

Who can legally access this EB-5 loan model?

While Indian tax residents cannot directly take the loan, it is fully accessible to: - Children studying or residing overseas - Non-resident Indians (NRIs) - OCI/Green Card holders abroad

What kind of collateral is required?

None beyond your EB-5 equity stake. Your economic interest in the New Commercial Enterprise (NCE) serves as the only collateral. No third-party property or additional security is needed.

Is this model USCIS-compliant?

Yes. It is structured per the Zhang v. USCIS ruling and USCIS Policy Manual guidelines. As long as the source of funds is lawful, loan proceeds are considered valid investment capital.

What documents are required to prove lawful source of funds?

Depending on your case: salary records, business sale proceeds, property transactions, or gift deeds (for parent-to-child transfers). Goldwater assists you in preparing a fully documented Source of Funds (SOF) package.

When do I get my capital back?

Most EB-5 projects target a capital return timeline of 5–7 years, subject to exit terms and I-829 approval.

Is the EB-5 loan model compliant with FEMA regulations?

Yes. Goldwater ensures that any Indian tax resident using our model adheres to FEMA and RBI guidelines. Loans are structured in compliance with Indian outbound capital rules, with oversight from legal and tax advisors.

Who can legally access this EB-5 loan model?

While Indian tax residents cannot directly take the loan, it is fully accessible to: - Children studying or residing overseas - Non-resident Indians (NRIs) - OCI/Green Card holders abroad

What kind of collateral is required?

None beyond your EB-5 equity stake. Your economic interest in the New Commercial Enterprise (NCE) serves as the only collateral. No third-party property or additional security is needed.

Is this model USCIS-compliant?

Yes. It is structured per the Zhang v. USCIS ruling and USCIS Policy Manual guidelines. As long as the source of funds is lawful, loan proceeds are considered valid investment capital.

What documents are required to prove lawful source of funds?

Depending on your case: salary records, business sale proceeds, property transactions, or gift deeds (for parent-to-child transfers). Goldwater assists you in preparing a fully documented Source of Funds (SOF) package.

When do I get my capital back?

Most EB-5 projects target a capital return timeline of 5–7 years, subject to exit terms and I-829 approval.

The Goldwater Capital Advantage

By retaining $300K–$400K of your capital outside the EB-5 structure:
You could invest in equity markets, potentially compounding at 12-13% Or Invest in your business / RE

Over 5 years, this creates an opportunity value of ~$240K — making the net cost of your Green Card dramatically lower.

Structurally Compliant. Strategically Sound

Goldwaters EB-5 financing model is built around USCIS standards:

Personal Loan

 issued to the investor, not the project

Collateralized

backed by your own property, deposits, or shares

 Lawful Source

complete SOF for both equity + loan amount

Active Investment

interest/principal payments over 5 years

Fully aligned with:
Matter of H-A-, AAO (2017)
USCIS Policy Manual (Vol. 6, Pt. G, Ch. 2)

Why Goldwater

We’re not just advisors. We’re your cross-border structuring partner.

Rigorous diligence

we underwrite like a private equity fund

Tax-aware structuring

for LRS, NRO/NRE, and FEMA alignment

Tier-1 U.S. attorneys

Work with Tier-1 U.S. attorneys for every filing

UHNI Indian families

Trusted by UHNI Indian families, CXOs, and founders

ex-entrepreneurs

Our team includes ex-entrepreneurs, wealth planners, and legal strategists

In your first strategy call, we’ll walk you through:

- Whether you qualify for the EB-5 loan-backed model - Which projects match your immigration + financial goals - How to structure the equity + loan flow for RBI/USCIS compliance - What documents you’ll need — and how we help you prepare them

In your first strategy call, we’ll walk you through:

- Whether you qualify for the EB-5 loan-backed model - Which projects match your immigration + financial goals - How to structure the equity + loan flow for RBI/USCIS compliance - What documents you’ll need — and how we help you prepare them

In your first strategy call, we’ll walk you through:

- Whether you qualify for the EB-5 loan-backed model - Which projects match your immigration + financial goals - How to structure the equity + loan flow for RBI/USCIS compliance - What documents you’ll need — and how we help you prepare them

In your first strategy call, we’ll walk you through:

- Whether you qualify for the EB-5 loan-backed model - Which projects match your immigration + financial goals - How to structure the equity + loan flow for RBI/USCIS compliance - What documents you’ll need — and how we help you prepare them

Our 5-Step Engagement Model

01

Discovery Call

Family goals, capital profile, timing

04

Filing Coordination

With your immigration lawyer

02

Tailored Match

2–4 diligence-cleared projects

05

Post-Investment Monitoring

Updates until repayment and receipt of Green Card

03

Source of Funds Mapping

Clean & compliant

Newsletter

We’d love to share our love for engineering with you in our monthly newsletter

© Goldwater Global. All rights reserved

Newsletter

We’d love to share our love for engineering with you in our monthly newsletter

© Goldwater Global. All rights reserved

Newsletter

We’d love to share our love for engineering with you in our monthly newsletter

© Goldwater Global. All rights reserved

Newsletter

We’d love to share our love for engineering with you in our monthly newsletter

© Goldwater Global. All rights reserved