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SOOKE · EB-5 FIELD GUIDE

Should projected repayment be treated as guaranteed funds for another immediate commitment?

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THE DIRECT ANSWER

A projection is not guaranteed liquidity. Assess the actual agreement and business risk before relying on it.

Keep the investment exposure visible

The at-risk requirement and applicable sustainment rules matter. Immigration preparation fees, project charges and potential future repayment should not be combined into an assumed net cost with a guaranteed recovery. As checked September 7, 2026, capital generally is US$1,050,000, or US$800,000 for a qualifying targeted employment area or infrastructure case. Statutory adjustments begin January 1, 2027; confirm the filing-date amount.

Read the actual agreements and obtain advice on any additional-capital provisions; do not assume either an unlimited obligation or a promise that no further contribution can arise. An advertised all-in price can omit material obligations, and a projected return figure does not describe the investor's full financial exposure, so separate professional advice on the commercial and tax consequences is appropriate. A regional-center project may charge a separate administration fee, but whether any such fee is refundable depends on the actual offering and subscription documents; there is no universal refund rule.

The professional work behind a source-of-funds file is substantial: an accountant reconstructing several years of company distributions, a lawyer assembling and presenting the chain, valuations for the property securing the loan, and certified translations where needed.