There is no fixed waiting period. What matters is whether the money is genuinely committed and at risk, and whether the enterprise is real and operating or credibly ready to launch. Signed leases, deposits paid under binding terms, and delivered equipment can support that; unused available credit does not.
Sequence the spending, then the record-keeping
Decide which commitments must be made before filing and which can follow, then keep the paperwork current as each payment clears. Card statements arrive on a cycle, so a charge made this week may not appear for a month — build that into the schedule. Do not assume a processing time, an interview date or an approval. Plan repayment ability for the months after filing as well.
Date the steps: authorization requested, funds received in the U.S. account, lease signed, equipment ordered, staff engaged. A preliminary count may aid planning, but the record should distinguish estimates from completed purchases, released escrow and binding orders. Visa-contingent escrow may generally be considered when genuinely committed, but a revocable reservation or future promise is different. Do not close the purchase before applying, and do not apply before the funds are actually committed.
Waiting for a permit transfer before committing anything leaves the file with nothing to examine.