No. The official gift framework should not be presented as a commercial investment promising repayment. The September 7, 2026 official processing fee is US$15,000 per person and nonrefundable; the principal gift is US$1,000,000 individually or US$2,000,000 corporately. Family and continuing corporate obligations are additional.
Use the correct financial category
Confirm current fees and gift obligations and keep EB-5 project capital and risk separate. Do not create a false equivalence through the budget. Build a budget that labels every amount accurately: the official processing charge, the individual applicant’s or corporate sponsor’s required government gift, financial documentation, translations, government filing fees, professional services, and unrelated relocation expenses.
Gold Card money is not EB-5 capital, not a deposit into a business, and not a recoverable asset merely because a consultant’s invoice groups it with other charges. Hypothetical example: a ceramic-tile exporter compares a U.S. business purchase with a proposed Gold Card payment and assumes the larger amount is an investment portfolio.
The review should separate commercial assets from the payment required by the government framework. Confirm current amounts and payment instructions directly from official materials at the time of action. Identify whether the money originates with the individual applicant or, under corporate terms, the corporate sponsor and reaches the U.S.
government as required, rather than relying on a third-party financing summary. The first review should flag terms that remain unconfirmed and should not promise refunds, approval, or a particular timing result. A clear budget allows the applicant to decide whether to proceed without mischaracterizing legal obligations.
Record the currency conversion, transfer source, and confirmation number for any official payment. That audit trail can settle a payment question without recasting the transaction as an investment or a private service fee.