No. It concerns financing, not EB-1 or EB-2 eligibility, admissibility or visa availability. The actual funding evidence and immigration requirements still need review.
Separate the lender’s decision from the government’s
Do not assume every loan source is accepted or that borrowing is automatically disqualifying from this page. Present the real arrangement and follow the applicable official process instead of treating a credit decision as approval.
Classification under EB-1 or EB-2 remains necessary, alongside admissibility and visa availability; Gold Card is not EB-5. Do not confuse this government gift framework with EB-5 investment. A loan used toward program costs still needs the same kind of paper trail as any other funding source: a signed agreement, a clear repayment schedule, and an explanation of the relationship between borrower and lender. Distinguish a personal loan taken in an individual capacity from one secured against the sponsoring business itself, because pledging business assets can raise separate questions about that business's ongoing operations and financial stability. Keep the loan proceeds traceable from the lender's account through to the payment made, since an unexplained gap in that chain invites additional scrutiny. Ability to service the debt should stand on its own, independent of any expected immigration outcome, and that repayment capacity is worth documenting before the funds move. Present the arrangement candidly to counsel rather than characterizing it in whatever way seems most favorable, since an inaccurate description discovered later is harder to correct than a complicated one disclosed up front.