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BOIS-DES-FILION · E-2 FIELD GUIDE

Does adding insurance and permit costs change whether our investment is substantial?

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THE DIRECT ANSWER

It can. Substantiality is proportional: the committed amount is weighed against the total cost of establishing this enterprise. Adding premiums, licences and permits raises that total, so the same money may now cover a smaller share. There is no fixed minimum figure to compare against, and no set number of jobs.

Fix the denominator before adjusting the deposit

Possible responses include additional funding, correcting double counts, revising the operating plan or waiting until the required resources are available. Assess the genuine options before wiring more money. A hypothetical Bois-des-Filion reader planning a small U.S. service company might find that a required liability policy and a state licence shift the picture more than the equipment did.

Identify what ownership and operational control exist today, what arises only after exercise, and whether either stage lets the investor develop and direct the enterprise through at least 50 percent ownership or genuine operational control. E-2 requires lawful funds that are substantial in relation to the business and irrevocably at risk, alongside treaty nationality, qualifying enterprise ownership, and the investor's development and direction through majority ownership or operational control. A useful first review produces a condition-by-condition record: proof of Canadian nationality, the ownership ledger, the transfer trail for money or assets, and records showing that the business is operating beyond the family’s personal support.