EB-5 Investment Repayment. 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 Monday, March 4, 2024
#EB-5 Investment Repayment #EB-5 program 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.

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 national interest projects or rural areas, potentially reducing the waiting period.

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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.

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

The timeline for EB-5 program 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.

EB-5 Financial Return on Investment

In general, EB-5 investors can expect a return on their invested capital, providing conservative 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 completing the selected program project, investors will receive additional benefits through 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 or 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 to redeploy EB-5 loan payback of 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.

Other triggers for redeployment of capital are delays in I-526 approvals and prolonged conditional residency periods that 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.

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 terms?

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.

Are there guarantees for high investment 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 more significant 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 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


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