Use the investor’s actual available amount after obligations and distribution terms are understood; gross company receipts are not necessarily investable shareholder funds. As of September 7, 2026, the general threshold is US$1,050,000, or US$800,000 for a qualifying targeted employment area or infrastructure project, with statutory adjustment beginning January 1, 2027. Government, project and professional charges are separate and are not automatically qualifying capital.
Distinguish sale proceeds, distribution and project costs
Record the amount retained by the company, liabilities, taxes requiring professional assessment and the net distribution. Separately budget the qualifying investment, project charges, professional services and current government fees. Do not assume every administrative charge counts toward qualifying capital. An investment budget also needs to account for commercial risk and liquidity independently of immigration eligibility.
For EB-5, qualifying capital must be exposed to business risk, the lawful source and path must be documented, and the qualifying enterprise must satisfy the job-creation rules. Residence obtained through the route is conditional before the later removal-of-conditions stage. Hypothetical example: a prefabricated-housing investor can fund the capital amount only by borrowing against a Canadian warehouse. Review the loan, collateral, repayment responsibility, tax effect, and transfer trail before signing. The decision is whether the loan proceeds were lawfully obtained, completely traced, and placed at risk in the enterprise, not whether the investor satisfies a superseded personal-liability or collateral formula.
Add that conclusion to the evidence index and resolve any inconsistency in the source record, investment agreement, or job plan while documents are current. A later explanation is weaker when the contemporaneous transaction papers tell a different story.
The financial plan should also reserve for the business’s ordinary needs, because using all available liquidity for the contribution can make the commercial project and the household’s evidence less credible.