Loan Model Approved by USCIS as a Valid source of funds
A Capital-Led Path to U.S. Residency for Indian Founders & Families. Secure your Green Card with just $400K-$500K upfrontinstead of the full $800K investment.
Work Permit in 30-90 days
Green Card in 12-16 months
FEMA & RBI Compliant
USCIS Approved Model
Retain $300K-$400K for other investments
$800K
Full upfront payment
Loan-backed structure
From retained capital over 5 years
Goldwater's EB-5 loan-backed model is purpose-built for:
Seeking an exit from visa uncertainty
With capital tied to growing businesses
Securing long-term U.S. residency for their children
Seeking RBI-compliant global mobility
Pursuing flexibility and independence
Upfront Investment
Legal + USCIS Filing Fees
Loan Interest (5 years)
Other Fees (Admin, Tax, etc.)
Capital Savings Advantage
Total Outlay
All investments remain "at risk" per USCIS guidelines. Structures may vary based on jurisdiction, asset mix, and profile.
Legal Backing
View Official Court Ruling
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."
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.
Goldwater's EB-5 financing model is built around USCIS standards:
Fully aligned with: Matter of H-A-, AAO (2017), USCIS Policy Manual (Vol. 6, Pt. G, Ch. 2)
Every EB-5 opportunity we recommend undergoes institutional underwriting and meets
50–90% construction complete
Institutional co-investment or senior debt in place
Completion guarantees + intercreditor protections
Priority repayment for EB-5 investors
Job creation buffers of 150–200%
Located in Tier-1, resilient U.S. markets
Includes construction videos, legal memo, job impact report, appraisal, and investment agreement.
We're not just advisors. We're your cross-border structuring partner.
We underwrite like a private equity fund
For LRS, NRO/NRE, and FEMA alignment
For every filing
CXOs and founders
Our team includes ex-entrepreneurs, wealth planners and legal strategists
Looking for a broader FAQ on EB-5 eligibility, benefits, and process?
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.
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
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.
Yes. It is structured per the Zhang v. USCIS ruling and USCIS Policy Manual guidelines. Multiple I-526E approvals have already been obtained through this loan-backed model. As long as the source of funds is lawful, loan proceeds are considered valid investment capital.
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.
Get personalized guidance on investment selection, compliance, and your path to U.S. permanent residency.
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 to prepare Source of Founds?
Talk about whether you can qualify for Concurrent filing & EAD
Company
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