Loans may be used as investment funds, but this option can be complicated. The investor must be the principle borrower and must be personally liable for repayment. Loans must be secured by assets that is not the invested commercial enterprise. It is important to note that not all loans will qualify to be used for EB-5 investment. An experienced attorney can help to guide an investor in the correct way to utilize loans and other fund options.Gift funds can be used for an investment. However, it is important to note that the source of those gift funds will also need to be disclosed and evidenced. It is generally not enough to simply say that money was gifted. The gifted funds must also trace back to a lawful source.