Personal loan interest and charges paid to obtain that loan do not become an EB-5 investment merely because the borrowing finances it. Show the amount actually contributed to the enterprise separately from financing expenses. If fees are deducted before the transfer, check the net contribution against the applicable threshold; an invoice label cannot establish eligibility.
Financing charges are your obligation, separate from the invested capital
Model repayments against income and savings you can actually reach; profits shown inside the enterprise are not your personal liquidity, and there is no universal rule that capital returns after two years. Contractual refund or repayment rights may exist in the offering documents — read them — but the immigration process does not guarantee recovery. Ask your professionals for written quotes covering their own fees.
Ask the lender for an amortization schedule covering the full term rather than a monthly figure, and read what happens at the end of any interest-only period. Hypothetical example: an epidemiologist at an academic medical centre budgets comfortably against the first three years of a loan and discovers that principal repayments begin in the fourth, at a point when no distribution from the enterprise is expected. Model repayment against income and savings you can reach without the enterprise, and treat any expected distribution as a possibility rather than a plan.
Ask each professional for a written quote and for what falls outside it, since responding to a request for evidence is often billed separately from preparing the petition.