How Long Does it Take to Get EB-5 Investment Back?

Explore the timeline for receiving your EB-5 investment with our comprehensive guide. Learn about factors influencing repayment duration and common FAQs regarding this critical aspect of the EB-5 program.

last updated Saturday, January 13, 2024
#EB-5 Investment Repayment #Redeployment of Eb-5 Invested Capital EB-5 Investment Repayment

John Burson     Subscribe


Key Points: 

  • EB-5 investors typically receive repayment of their capital after completing two years from the date of receiving the conditional green card, aligned with the loan term of 5 to 7 years.
  • The business plan and offering documents of Regional Center projects outline an exit strategy, allowing EB-5 investors to receive their entire investment principal back with accrued interest within a five-to-seven-year period.
  • Return on Investment (ROI) for EB-5 investments varies; while loan-based models offer moderate returns, equity-based and Direct EB-5 investments may provide more substantial financial opportunities.
  • Redeployment of EB-5 invested capital becomes necessary due to increased processing times, visa demands, and retrogression, allowing investors to invest in another lawful commercial business activity.
  • EB-5 investments come with inherent risks, and investors must work with specialists, conduct due diligence, and weigh risks and advantages, as no project can guarantee the return on principal.

Do Eb-5 Investors Get Their Money Back? 

The short answer is yes for EB-5 funding repayment; investors get their EB-5 Investment Repayment Back. Also, in most cases, EB-5 investors earn significant investment returns.

Repayment of Capital

In the typical structure of EB-5 projects, investors become eligible for capital repayment two years after receiving the conditional green card. Once the loan term of 5 to 7 years concludes and investors have spent two years post-receipt of the conditional green card, they can receive their funds without waiting for the removal of conditions application approval.

EB-5 Investment Repayment

The standard business plan and documentation from a Regional Center project outline an exit strategy, enabling EB-5 investors to recover their entire investment principal and accrued interest for their EB-5 program repayment. Although loan terms may differ between projects, investors typically anticipate repayment within a five-to-seven-year timeframe. It's important to note that the investment must stay "at risk" throughout the loan period, and a guaranteed return cannot be assured.

EB-5 Financial Return on Investment

At, EB-5 investors can expect a full return on their invested capital, providing attractive rates of return in the market. The process commences with the investors' capital investment, EB-5 visa investment payback established by the U.S. government. 

Throughout the entire process, investors receive fixed annual returns in dollars. Upon completion of the selected program project, investors will receive additional benefits in the form of a distribution.

Concerning loan-based EB-5 investment models, returns are not guaranteed and are typically offered at a moderate percentage compared to traditional institutional loans.

EB-5 investors need to recognize that the main objective of an EB-5 loan repayment is not to achieve a high return on investment but rather to secure a United States Green Card.

While equity-based and direct EB-5 investments may present more robust financial prospects, high-risk projects with greater returns often carry elevated immigration risks that investors must carefully assess.

Redeployment of Eb-5 Invested Capital

The need for redeployment of EB-5 loan payback invested capital arises due to increased USCIS processing times, heightened visa demands, wait times, and visa retrogression affecting countries like China and Vietnam. USCIS mandates that EB-5 funds remain "at risk" throughout the investor's two-year conditional residence period and cannot be returned.

Delays in I-526 approvals and prolonged conditional residency periods may extend beyond the loan terms of specific EB-5 projects.

If the investor has not fulfilled conditional residency requirements, the original business plan is complete with all jobs created, and the investor capital is available or has been returned to the NCE, redeployment into another lawful commercial business activity is permitted, excluding purely financial activities like investing in securities or financial instruments on the secondary market.

Process to Obtain the Green Card in the EB-5 Program

To apply for an EB-5 visa, start by identifying a program-compliant project. Then, hire an immigration attorney to submit Form I-526, investing $800,000 with a transparent capital source. If approved, the optional next step involves Form I-485 for immigration status.

Once completed, with an average processing time of 2 to 3 years, adjusting immigration status to permanent residency is recommended, preferably with legal assistance, especially for projects of national interest or in rural areas, potentially reducing the waiting period.

How long does it take to get my EB-5 investment back?

The timeline for EB-5 investment repayment varies. Typically, it occurs after the completion of the conditional green card period, which is two years from the date of receipt. After the 5 to 7-year loan term expires, investors often start receiving their funds back.

FAQs on EB-5 Investment Repayment:

When can I get my money back from EB-5?

While loan terms can vary from project to project, EB-5 investors usually hope to receive repayment back within five to seven years.

Is repayment guaranteed?

Repayment is subject to the project's business plan and offering documents. While repayment is standard, it's not guaranteed, and the investment must remain "at risk."

What is the usual repayment period?

Loan terms vary, but EB-5 investors can generally expect repayment within a five-to-seven-year period.

How does USCIS processing affect repayment?

USCIS processing times, visa demands, and retrogression can impact the repayment. Delays may occur if conditional residency periods extend beyond project loan terms.

What happens if the original business plan concludes before residency requirements?

If the investor hasn't fulfilled residency requirements and the business plan finishes, redeployment of capital into another lawful business activity is allowed.

How does increased demand affect repayment?

Increased demand and USCIS processing times necessitate redeployment, ensuring funds remain "at risk" during the conditional residence period.

Are there guarantees for high returns?

EB-5 investments are primarily for obtaining a US Green Card. While some returns are expected, the primary focus is immigration, and high-risk projects may involve greater immigration risks.


EB-5 investments, like any venture, carry inherent risks, especially in projects promising significant returns. It's crucial to carefully assess these risks since no project can guarantee the return of the principal. Collaborating with specialized entities like Dynaxe Capital and EB-5 specialists ensures comprehensive due diligence, offering a balanced understanding of risks and advantages.

The program's significance prompted the US Citizenship and Immigration Service (USCIS) to seek public opinion on renewing EB-5 visa regulations, emphasizing the need for continuous improvement and economic analysis.

For more detailed information and guidance on each of these steps, resources and assistance are available at


Subscribe to Paperfree Magazine

Free Paperfree Concierge Service

Paperfree Concierge

Get dedicated service, from finding the right information to complex investment challenges.

Redeployment of Eb-5 Invested Capital


Real estate investment strategies

Add Content to Magazine