Investor Financing


Individuals with a net worth of at least CAD $800,000 and appropriate business experience may qualify for Canadian immigration under the investor category. This can be an attractive option, especially for older individuals who would not qualify as skilled workers. The process can also be completed relatively quickly if an individual applies through a provincial nomination program.

There is a catch however: the applicant has to lend the Canadian government CAD $400,000 for 5 years interest-free. The opportunity costs on this amount of money can be substantial. However, there are government-approved financial facilitators that will finance this contribution and it works like this: the investor pays the facilitator a non-refundable fee of about CAD $120,000 which represents the predicted lost interest on CAD $400,000 over 5 years (roughly 7 percent). The facilitator then forwards CAD $400,000 to the government on the investor’s behalf, and the facilitator receives that amount back at the end of 5 years.

This is a good option if an applicant has substantial monies in high-yield investments and does not wish to liquidate for immigration purposes.

About the author

Gianpaolo Panusa Gianpaolo Panusa is a Canadian immigration lawyer, writer, and founder of the PanCanadian Immigration Law Group based in Vancouver, Canada. Google+ Profile