E-2 Marginality Testing in 2026: The Math Behind USCIS & Consular Approval
A deep dive into how adjudicating officers calculate household living costs against 5-year payroll and EBITDA projections to prove non-marginality.
Not a law firm. We work alongside your attorney or authorized representative.
Audit Trail Mapping
Sale of apartment, 2023; sale deed and tax receipt
Salary savings, 2018–2024; tax returns, statements
Four wires to U.S. escrow; remittance records
E-2 treaty countries whose investors we prepare plans for
Month-by-month financial model behind every plan
Analysts check every number before delivery
Delivery for the Premium E-2 Report
Most RFEs and denials on business grounds trace back to four predictable errors: unrealistic projections, payroll that doesn't match staffing models, uncommitted investment capital, or untraced funds.
See how we build a planShows a real, operating, non-marginal enterprise with a substantial investment at risk.
A Matter of Ho-compliant plan with a defensible 10-job creation analysis.
A documented path from lawful origin to investment, for EB-5, E-2 and every visa that needs it.
Turns your proposed endeavor into evidence of merit, national importance and a credible plan.
London•Tokyo•Frankfurt•Toronto•Seoul•Dubai
Consular-ready business plans and source of funds evidentiary binders built specifically for foreign embassy adjudication.
Every 5-year pro forma links unit economics and staffing ramps directly to 9 FAM 402.9-6 non-marginality standards.
Our calculator scores your investment, funds at risk, U.S. jobs and the year your business moves beyond a family living. Three minutes, instant results.
Clear dates in writing, one analyst point of contact, and zero guesswork for you or your counsel.
30 minutes to confirm visa category, goals, and strict petition filing deadline.
A secure documentary checklist tailored precisely to your specific case.
Custom industry market analysis and a defensible 5-year financial projection model.
A second senior analyst independently checks and reconciles every number.
Included redline revision rounds directly with you and your immigration attorney.
Filing-ready unbranded PDF plus editable Word and dynamic Excel financial models.
We focus on one thing: the business and financial evidence behind immigration and funding applications.
Speak with an AnalystProjections are working financial models, not tables typed into a document.
Business plan and Source of Funds stay consistent, so the numbers match across your entire filing.
Every assumption is sourced and explained in plain language for government adjudicators.
NDA on request, bank-grade encrypted file transfer, and limited-access analyst storage.
Starting prices are on our site, and every case gets a fixed written quote upfront.
Add capacity without adding headcount. We prepare plans and SOF reports under your letterhead, on your timeline, and never contact your client without your approval.
Projections are dynamic working financial models built by former corporate analysts, not static text templates typed into a document.
Business plan and Source of Funds reports are cross-reconciled by the same analytical team so figures align perfectly across the entire petition.
Zero VisaFinancials metadata, footers, or watermarks. Delivered seamlessly under your law firm's letterhead and styling.
Mutual NDAs executed prior to intake. Bank-grade encrypted file transfer.
Client details changed to protect confidentiality.
Rebuilt the model around verified seat capacity, unit pricing, and ramp-up hiring; non-marginal crossover moved decisively to Year 2.
Traced every dollar to the escrow wire across 24 indexed exhibits, linking sale deed, tax receipts, and authenticated bank remittance certificates.
Detailed organizational tier structure, job descriptions, budget, and hiring timeline tied directly to the U.S. payroll model and cash-flow forecast.
Real reviews only, published with written permission.
“The financial model was the strongest part of our E-2 filing. The consular officer specifically noted that our 5-year payroll and revenue projections were grounded and realistic. Approved with zero questions.”
E-2 Hospitality Founder
“VisaFinancials is our firm's secret weapon for high-stakes EB-5 and NIW cases. Their source of funds forensic trail saved our team at least 40 hours of partner review time. Clean, professional, and delivered on time.”
Partner, Immigration Law Group
“Navigating Canada C-11 significant benefit requirements is tricky. The team produced a CFO-level financial projection that impressed our RCIC and got our work permit approved without delay.”
Tech Entrepreneur
“We were acquiring a multi-unit franchise with complex landlord covenants and commercial financing. VisaFinancials structured the working capital reserve and marginality defense perfectly. 5-year visa issued at consulate.”
E-2 Franchise Operator
“When consular officers challenge managerial capacity under L-1A new office petitions, we rely on VisaFinancials. Their organizational staffing progressions and GAAP cash flow forecasts tie out line-by-line.”
Managing Attorney, Global Mobility Practice
“Tracing $800k across RBI LRS remittance limits, ancestral property sales, and multiple bank escrows felt impossible until VisaFinancials built the indexed source of funds exhibit binder. Total peace of mind.”
EB-5 Principal Investor
“Proving national importance and substantial economic merit for an EB-2 NIW requires hard quantitative modeling. Their pro forma proved our clinical healthcare platform's scale across underserved counties. Approved without RFE.”
EB-2 NIW Founder & Physician
“Opening a U.S. subsidiary requires proving executive tiering from Year 1 without falling into the first-year extension trap. Their organizational milestone roadmap made our petition bulletproof.”
L-1A Transferee & Managing Director
“Documenting over 51% qualifying trade between our treaty nation and the United States was complicated. Their bilateral transaction reconciliation and 5-year trade volume forecast were approved on standard consular timeline.”
E-1 Treaty Trader & Logistics CEO
“As an immigration attorney handling complex commercial filings, having financial models that withstand rigorous USCIS scrutiny is vital. VisaFinancials delivers institutional-grade quality every single time.”
Principal, Rostova Immigration Law
“The financial model was the strongest part of our E-2 filing. The consular officer specifically noted that our 5-year payroll and revenue projections were grounded and realistic. Approved with zero questions.”
E-2 Hospitality Founder
“VisaFinancials is our firm's secret weapon for high-stakes EB-5 and NIW cases. Their source of funds forensic trail saved our team at least 40 hours of partner review time. Clean, professional, and delivered on time.”
Partner, Immigration Law Group
“Navigating Canada C-11 significant benefit requirements is tricky. The team produced a CFO-level financial projection that impressed our RCIC and got our work permit approved without delay.”
Tech Entrepreneur
“We were acquiring a multi-unit franchise with complex landlord covenants and commercial financing. VisaFinancials structured the working capital reserve and marginality defense perfectly. 5-year visa issued at consulate.”
E-2 Franchise Operator
“When consular officers challenge managerial capacity under L-1A new office petitions, we rely on VisaFinancials. Their organizational staffing progressions and GAAP cash flow forecasts tie out line-by-line.”
Managing Attorney, Global Mobility Practice
“Tracing $800k across RBI LRS remittance limits, ancestral property sales, and multiple bank escrows felt impossible until VisaFinancials built the indexed source of funds exhibit binder. Total peace of mind.”
EB-5 Principal Investor
“Proving national importance and substantial economic merit for an EB-2 NIW requires hard quantitative modeling. Their pro forma proved our clinical healthcare platform's scale across underserved counties. Approved without RFE.”
EB-2 NIW Founder & Physician
“Opening a U.S. subsidiary requires proving executive tiering from Year 1 without falling into the first-year extension trap. Their organizational milestone roadmap made our petition bulletproof.”
L-1A Transferee & Managing Director
“Documenting over 51% qualifying trade between our treaty nation and the United States was complicated. Their bilateral transaction reconciliation and 5-year trade volume forecast were approved on standard consular timeline.”
E-1 Treaty Trader & Logistics CEO
“As an immigration attorney handling complex commercial filings, having financial models that withstand rigorous USCIS scrutiny is vital. VisaFinancials delivers institutional-grade quality every single time.”
Principal, Rostova Immigration Law
Essential analysis for immigration attorneys, treaty investors, and foreign founders navigating USCIS and consular evidentiary standards.
A deep dive into how adjudicating officers calculate household living costs against 5-year payroll and EBITDA projections to prove non-marginality.
Navigating evidentiary standards under the EB-5 Reform and Integrity Act (RIA), from historical capital accumulation to multi-hop banking escrows.
Deconstructing the 10 statutory requirements established in precedent decision Matter of Ho that every immigration business plan must incorporate.
Answers to common questions from visa applicants, founders, and legal counsel about our reports, timelines, and confidentiality.
Have a specific case? Ask usTell us your visa category and timeline. We reply with scope, price, and delivery date.