MAKING EB-5 ACCESSIBLE TO ALL
ABOUT OPPORTUNITY
FUND LENDER
EXPERTS IN EB-5
Opportunity Fund Lender was founded in 2024 to make the EB-5 program more accessible to all.
Our mission is to make the EB-5 path achievable and within reach for a wider range of investors. We are committed to helping investors navigate the process and achieve their investment goals.
THE MOST INVESTOR-FRIENDLY EB-5 LOAN PROGRAM
EB-5 loans streamline the investment process, providing investors with flexible funding options to expedite their applications, access locked capital, or navigate unexpected financial needs.
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Flexible Loan Options
Access up to $400,000 with competitive rates and no pre-payment penalties.
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USCIS Compliance
Ensure your investment meets USCIS guidelines with our detailed compliance package.
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No Pre-Payment Penalties
Enjoy financial flexibility without penalties for early repayment.
WE ARE STRIVING TO MAKE THE EB-5 PROGRAM MORE ACCESSIBLE FOR ALL INVESTORS
Restoring EB-5 Accessibility with Flexible Financing
Following the 2022 EB-5 Reform and Integrity Act, which raised the minimum investment from $500,000 to $800,000, many investors found the program less accessible. Opportunity Fund Lender bridges this gap by enabling investors to begin with a $500,000 investment. Our financing solutions provide the additional funds needed, making the EB-5 path achievable and supporting your immigration goals.
Supporting EB-5 Investors When Timing Is Critical
EB-5 investors often need fast access to capital for various reasons—expediting their I-526 Petition filing, maintaining their investments without liquidating assets, or avoiding tax implications. Some investors may also face challenges documenting their sources of funds across years of complex financial histories. Opportunity Fund Lender provides tailored financing solutions to bridge these gaps smoothly.
Financing Solutions for All Investors
At Opportunity Fund Lender, we recognize that each EB-5 investor’s circumstances are unique. Our team works closely with you to create a financing solution that aligns with your goals. Loan terms, repayment schedules, rates, and conditions are customized to support your path to successful investment.
Providing USCIS-Compliant Source of Funds
USCIS guidance from 2019 allows EB-5 investors to use funds from unsecured loans as a valid investment source. Opportunity Fund Lender offers financing tailored for EB-5 applicants, including a detailed compliance package to assist you and your attorney in meeting USCIS requirements.
U.S. RESIDENCY THROUGH EB-5
What is EB-5 and how does it work?
The EB-5 Immigrant Investor Program offers foreign investors a pathway to U.S. residency through investment. By investing a minimum amount (often $800,000 or more) in a U.S. business that generates at least 10 jobs, participants can qualify for a green card. The program supports economic growth by financing business projects, often in designated high-unemployment or rural areas.
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What is the purpose of the Opportunity Fund Lender Loan?Opportunity Fund Lender (OFL) provides financing only for EB-5 investments, designed to make the EB-5 visa program more accessible to all. OFL’s mission is to make the EB-5 path achievable and within reach for a wider range of investors. OFL helps investors bridge the gap to reach the minimum $800K qualified investment requirement of USCIS for the EB-5 Visa Program. Thus, enabling investors to achieve their “American Dream” by obtaining the U.S. permanent residency (a Green Card) via the EB-5 visa program.
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What is the maximum amount of money that OFL offers to investors as a loan and at what interest rate?$400,000 at 4.95%* (Subject to Terms & Conditions)
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Does the annual interest on loan paid by the borrower need to be a qualified source of funds from a U.S. Immigration attorney?Yes
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What is the initial term of the loan? Are there any extension options available? If yes, what is the rate?The initial term of the EB-5 loan from OFL would be 2 years. There are one-year extensions available to the borrower at a minimal extension fee. Kindly contact the OFL team for more details in this regard.
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How do I pay the interest on loan?For example, on a $400K OFL EB-5 loan program, the interest on loan per annum is approximately $24,491 which includes an average of $5K of amortization per annum on a five-year term. The annual interest on the loan is paid to the lender and the lender deducts the interest payments per month as per the customized amortization scheduled shared with the borrower. The interest on the loan paid by the borrower per annum needs to be a USCIS qualified source of funds. The law firm might ask investors to open a different account and pay interest payments from that for ease of SOF documentation. Check with your immigration attorney in this regard.
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Can I pre-pay and close the loan early? Are there any early closure or repayment charges levied by OFL?The borrower can prepay the loan without any pre-payment penalties or early closure charges. However, please ensure that you are using USCIS qualified source of funds for such repayment in consultation with your immigration attorney to ensure that you are compliant with USCIS norms and regulations.
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What is the frequency of interest on loan payment? Is it monthly or annually?Paid annually
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Is the loan provided by OFL a qualified source of funds from a USCIS perspective?The loan provided by OFL is a USCIS compliant source of funding based on the advice of various immigration attorneys. Further, you are advised to check with your retained immigration attorney and OFL to evaluate the eligibility criteria in detail.
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When is the loan released by OFL for my EB-5 petition?The obligations of the Lender to make the Loan hereunder shall become effective upon: i) the funding of mezzanine loans to the Mezzanine Borrower under the Mezzanine Loan Agreement; ii) the making by the Borrower of a Capital Contribution to the Company under the Operating Agreement, which together with proceeds of the Loan, would equal to $800,000; and (iii) evidence satisfactory to Lender of the filing of Borrower’s I-526E Petition with USCIS.
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What is the procedure to secure the loan option at OFL? Are there any specific metrics that are considered by OFL while evaluating my loan application?The finance team of OFL does a thorough evaluation of the credit worthiness of the borrower based on certain factors and details mentioned by the borrower in the OFL Financing Eligibility Questionnaire. Ratios such as Total Debt to Income and Annual Debt Service to Gross Income are some of the considerations. You are required to supplement the Credit Score / Credit Rating Proof as well.