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SAINT-CONSTANT · EB-5 FIELD GUIDE

Should I promise an investment date based only on a lender’s approval letter?

Sources checked:

THE DIRECT ANSWER

Check the remaining draw conditions and the actual transfer arrangements first. An approved facility does not guarantee disbursement on the day assumed.

Align the commitment with the real funding stage

Explain any gap between proposed funding and documented contribution. The lender’s timeline does not guarantee visa availability or case approval, and immigration events do not automatically defer the debt’s due dates. Work out which date is actually promised by each document, because most of the dates in these files are estimates wearing the appearance of commitments.

A lender's indicative timetable, a project's projected closing and a case's expected decision are three different kinds of statement, and only the first two have a counterparty who could be asked to honour them. Write beside each date the person or institution who would be answerable if it slipped. Where nobody would be, the date is a forecast and should be labelled as one in every document that repeats it.

Then check whether any obligation falls due before the earliest of the dates that are genuinely promised. Hypothetical example: a lender tells an industrial designer that funds are available on request, and the drawdown conditions add a step nobody had scheduled. Revisit the dated list whenever any single date moves, since one change usually shifts several others and a timeline corrected only in the reader's head is not corrected at all.

Note the date of each revision on the sheet itself, so the household can see which version it is working from.