Ten real positions carry real wage, tax and benefit costs that a plan built around unpaid family labour never showed. Model those costs against the enterprise's own revenue and working capital, separately from the qualifying investment amount of US$1,050,000, or US$800,000 in a targeted employment area or infrastructure project.
Wage cost is a business figure, not a household one
Rewriting the schedule usually raises the payroll line, because four unpaid family roles become four paid employees. Show where that money comes from: opening capital, projected receipts, or a stated reserve. Capital committed to the enterprise must remain at risk, so it cannot be quietly treated as a salary fund on paper and a guarantee in conversation.
Statutory adjustments to the required amount begin January 1, 2027, so recheck before a later filing. Keep apart two columns that a single bank balance encourages merging: the capital that must remain at risk in the enterprise, and the money the household lives on while the business builds toward its hiring plan. Neither may quietly fund the other.
A plan showing the investor drawing a salary the enterprise cannot yet support is describing capital returning to the investor, which is exactly what the at-risk requirement addresses. Compare the wage bill at full staffing against projected receipts on the same date, and where a reserve bridges the gap, evidence that reserve rather than mentioning it.