U.S.-Based EB-5 Investors Surge in 2025 | Concurrent Filing & Loan Repayment Explained

How Concurrent Filing and Strategic Financing Are Reshaping the EB-5 Visa Landscape.

last updated Monday, May 5, 2025
#EB-5 visa 2025 updates #U.S. adjustment of status EB-5

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by Sidra Jabeen

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The EB-5 Immigrant Investor Program is undergoing a transformative demographic shift in 2025, with over 50% of applicants now filing from within the United States.

This trend reflects strategic adaptations by investors already residing in the U.S., fueled by policy changes under the EB-5 Reform and Integrity Act of 2022.

In this blog, we break down the key drivers behind this shift, critical program updates, and practical insights for investors navigating the evolving EB-5 landscape.

The Rise of U.S.-Based EB-5 Investors: What's the Truth?

While USCIS does not publish official residency statistics for EB-5 applicants, industry data and immigration experts confirm a significant increase in domestic filings. Several factors contribute to this shift:

Concurrent Filing Privileges

The 2022 Reform Act introduced concurrent filing, allowing EB-5 investors lawfully present in the U.S. (e.g., on H-1B, L-1, or F-1 visas) to submit Form I-526E (Immigrant Petition) and Form I-485 (Adjustment of Status) simultaneously. This offers several advantages:

1. Work Authorisation (EAD) & Advance Parole
   Investors receive employment authorisation and travel permits within 6–8 months, enabling work and international travel during petition processing.
2. Avoidance of Visa Retrogression
   Domestic filers bypass consular processing delays, a critical benefit for applicants from high-demand countries like India and China.
3. Faster Processing
   USCIS prioritizes I-526E petitions filed post-2022, reducing processing times by approximately 50% compared to older cases.

Policy Stability and Investment Thresholds

The EB-5 program was reauthorized in 2022 with enhanced anti-fraud measures, reinforcing investor confidence. Investment thresholds remain at:

• $800,000 for Targeted Employment Areas (TEAs)
• $1,050,000 for non-TEAs

No adjustments to these amounts have been announced for 2025.

Clarifying Loan Repayment and “At Risk” Investment Requirements

A common misconception involves early repayment of loans used to fund EB-5 investments. Here’s what investors should know:

1. Personal Loan Repayment
   Early repayment of personal loans (from banks or relatives) used to finance EB-5 capital does not affect the petition, provided the investment funds remain fully invested and documented.
2. Capital Must Remain “At Risk”
   USCIS requires the EB-5 investment amount to stay at risk-meaning actively invested without guarantees-until the investor obtains permanent residency (typically 2–5 years). Early return of the invested capital jeopardizes eligibility.

Strategic Advantages for Domestic Investors in 2025

• Visa Set-Asides
  The 2022 Act reserves 32% of EB-5 visas annually for rural, high-unemployment, and infrastructure projects, reducing competition for domestic filers and expediting visa availability.
• Dual Intent Flexibility
  Investors on nonimmigrant work visas (e.g., H-1B) can pursue EB-5 green cards without violating visa intent rules.
• Child Status Protection
  Concurrent filing “freezes” the age of dependent children under 21, preventing “aging out” during processing delays.

2025 Visa Backlogs and Processing Delays

Visa backlogs remain a challenge, especially for investors from countries with high demand, such as China and India.

However, the EB-5 Reform Act’s visa set-asides for rural and high-unemployment TEAS help mitigate these delays.

Investors should:

• Prioritise rural TEA projects to benefit from dedicated visa allocations.
• Monitor priority dates closely and work with experienced immigration counsel to strategise filings.

Frequently Asked Questions

1. What are the main advantages of concurrent filing for EB-5 investors?

Concurrent filing allows EB-5 investors to submit their I-526E and I-485 applications at the same time, offering benefits such as work authorization (EAD), travel flexibility (Advance Parole), maintaining legal status, priority date lock-in, and a faster green card process.

2. How does concurrent filing affect processing time?

Concurrent filing shortens the EB-5 visa process by allowing immediate filing of I-485, cutting down wait times and enabling quicker access to work authorization and travel permits.

3. What risks are associated with concurrent filing?

Risks include potential denial of the I-526E petition, visa availability issues, policy changes, and the need to maintain lawful status to ensure the process remains valid.

4. How does visa availability in the Visa Bulletin impact filing?

Concurrent filing depends on visa availability as per the Visa Bulletin. Investors can only file I-485 concurrently if their priority date is current or USCIS allows it under the “Dates for Filing” chart.

5. What are the benefits of filing an Adjustment of Status (AOS) concurrently?

Concurrent AOS filing provides work authorization (EAD), travel permits (Advance Parole), legal status stability, and benefits for family members, ensuring smooth processing for the entire family.

Leveraging the EB-5 Program’s New Dynamics in 2025

The surge in U.S.-based EB-5 investors highlights the program’s evolving role as a bridge from temporary work or student visas to permanent residency. Success in 2025 depends on understanding and complying with the at-risk” investment requirement, leveraging concurrent filing benefits, and strategically selecting projects aligned with visa set-asides.

For investors and immigration professionals, staying informed about policy updates and USCIS processing trends is essential. Partnering with experienced EB-5 consultant ensures you capitalize on these opportunities while navigating complexities like visa backlogs and financing nuances.

Disclaimer: This analysis is based on industry data and USCIS updates as of May 2025. Individual case outcomes may vary. For personalized guidance, consult qualified immigration professionals.

 
 
 

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