Review the account’s actual ownership and withdrawal terms, any required consent and the records of the agreed contribution. If the transaction is genuinely a gift, loan or partition, retain its terms and dates. No single new instrument is universally required merely because the account is joint; evidence should explain the actual arrangement.
Say what the money is, not just where it went
A transfer with no explanation invites the question of whether the funds are truly committed or merely parked. If the arrangement is a loan from the spouse, describe the security, because collateral affects how borrowed capital is assessed. If it is a gift, say so plainly and keep the giver's own source records. Identify gaps before deciding to file and assess which must be resolved; do not assume every missing item can be supplied later.
The consular application should present the signed partnership agreement, the escrow instructions, the funds trace, the firm's financial records and a business plan describing the buyer's role. The corporate records and share register establish the ownership chain and, with the buyer's passport, the treaty nationality of the enterprise after closing. Keep bank statements, earnings or sale records, account mandates, wire confirmations, purchase agreements, invoices, and any genuine gift or loan instruments.