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SAINT-AMABLE · EB-5 FIELD GUIDE

Does the project’s insurance premium automatically increase my qualifying EB-5 contribution?

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THE DIRECT ANSWER

No. A business expense and your qualifying contribution are separate. Identify the actual payment and investment terms before attributing any additional capital to you.

Avoid counting the use of capital as another contribution

Do not add a premium again merely because the enterprise paid it from invested funds. Keep any separate charge, actual contribution and possible future payout distinct; their treatment should follow the real arrangement.

The capital is an investment rather than a fee, and it sits outside the government charges entirely. The qualifying capital is the headline figure, but it is not the total outlay. Only if the reduced amount genuinely applies to that investment, on a designation that is current. Fees and analysis costs need a separate accounting from eligible capital. Keep the capital threshold, job requirement, and operating budget in separate columns. The investor petition carries a USCIS filing fee and a separate program integrity fee, both listed in the current USCIS fee schedule, and premium-type expedites are not generally available. A personal planning buffer does not alter the legal investment threshold. Professional fees cover the source-of-funds file, the business plan with its job projections, and the petition.