📅 Free diagnostic · 15 min
E-2 · EB-2 NIW · L-1A Visas · Before filing your case

Before hiring an attorney, there's a question no one is asking you.

A weak financial plan doesn't get you rejected right away. It rejects you months later — when the process is already irreversible.

The question is whether your financial structure actually meets what USCIS requires… or if it just looks solid.
Most problems aren't legal. They're financial — and by the time they surface, your capital is already committed.
Evaluate your case for free · 2 minutes →

Catch mistakes before they trigger RFEs or unnecessary costs

+34
Verified approvals
0
RFEs for financial issues
+147
Filings before USCIS
E-2
Treaty Investor
Substantial investment · Business control · Not marginal
Core
NIW
National Interest Waiver
Dhanasar Framework · Substantial national impact
High demand
L-1A
Intracompany Transfer
New US office · Executives and managers
Available
+34
Verified approvals
0
RFEs for financial issues
+147
Filings before USCIS
What USCIS catches

Financial mistakes that go unnoticed at first —
but surface once your case is under review

These aren't legal failures. They're inconsistencies in how your capital, investment, and projections are structured. By the time USCIS catches them, the process is already underway — and your capital is already committed.

E-2
Treaty Investor
Substantial investment · Not marginal · Business control
~90% approval · stable track
  • Mistake 01
    Incomplete or poorly documented source of funds
    USCIS doesn't just want to know how much you have. It wants to understand exactly where it came from and how it reached the investment. Commingled funds, transfers without supporting documentation, cash use with no verifiable history, or loans without formal contracts automatically trigger an RFE that can delay the case for months.
  • Mistake 02
    Capital not properly committed
    Saying you're going to invest isn't enough. The capital must be genuinely at risk at the time the case is filed. Money sitting in a personal account with no clear allocation, investment conditioned on visa approval, or structures where the capital can be withdrawn without consequence make USCIS question whether the investment is genuine.
  • Mistake 03
    Inconsistent or unconvincing financial model
    Projections aren't judged on optimism — they're judged on consistency with the reality of the business. Revenue with no market support, underestimated costs, cash flow that can't sustain operations, or a lack of logic between investment and growth prevent the officer from validating the project's viability.
  • Mistake 04
    Business considered marginal
    It's not enough for the business to simply function. It has to generate more than a subsistence income. Projects designed for self-employment, without projected job creation, or with income that barely covers the applicant's personal expenses don't clear the non-marginality threshold — one of the most underestimated E-2 criteria.
  • Mistake 05
    Misalignment between narrative and financial structure
    What's stated in the case has to be backed by real numbers. A strategic narrative with no financial support, goals that aren't reflected in the economic model, or a lack of connection between the applicant's experience and the project make the case lose credibility under direct scrutiny.
NIW
EB-2 National Interest Waiver
Dhanasar Framework · Substantial national impact
43% approval FY2024 · down from 80%
43%
NIW approval rate · FY2024
Down from 80% in FY2023. In this environment, only cases with solid financial and strategic argumentation stand a real chance. The margin for error is minimal.
  • Mistake 01
    National-interest argument without economic backing
    Under Dhanasar, it's not enough to claim the work has national impact. It has to be quantified: the magnitude of the problem, the reach of the solution, and a demonstrable economic benefit. Without numbers to back the narrative, the case doesn't clear the substantial-merit analysis.
  • Mistake 02
    Solopreneur profile without structural scalability
    An NIW built on individual consulting with no scalability plan or systemic value creation is currently one of the profiles with the highest rejection rate. The case has to demonstrate impact that transcends the individual — not just their experience or credentials.
  • Mistake 03
    Project with no monetization model or economic viability
    In NIW cases, a strong professional narrative isn't enough. Projects with no financial structure supporting the proposed impact, no economic projection of the model, or dependence on unsupported assumptions don't clear USCIS's current level of scrutiny.
  • Mistake 04
    Professional field without genuine alignment to national interest
    Many cases are rejected because the profile doesn't genuinely fit USCIS's current priorities. Reframing the profile without solid financial and strategic backing produces a costlier rejection than not filing at all.
  • Mistake 05
    Prong 3 without financial evidence for the waiver
    Dhanasar's third prong requires demonstrating that it would be beneficial to waive the job offer requirement. Without financial evidence for why the contribution justifies that waiver — and why the applicant must make it in the U.S. — the argument collapses under direct scrutiny.

What these mistakes have in common: they all happen before the attorney files the case. They're financial structuring errors, not legal strategy errors. And in most cases, they're entirely avoidable with a serious upfront assessment.

Evaluate your case · 15 free min →
Case Studies · Verifiable Outcomes

In every case, the profile was viable.
The problem was the structure it was going to be filed on.

Cases anonymized to protect client and attorney confidentiality. The problems detected, the interventions, and the outcomes are real.

Profile

Investor with available capital. Had already started conversations with an attorney.

Problem detected

Funds coming from three simultaneous sources — personal savings, an asset sale, and a family loan — with no integrated traceability or coherent documentation linking them.

Intervention

Restructured the flow of funds, documented the source with sequenced contracts and account statements, and integrated everything into a coherent financial narrative.

"The money was there. What was missing was the traceability that makes it defensible in front of a USCIS officer."
Fund traceability
Profile

Entrepreneur with projected investment in an operating business. Case in the structuring stage.

Problem detected

Model designed for self-employment. No projected job creation or structural growth. Income barely covered operations and the investor's personal compensation.

Intervention

Redesigned the operating model, adjusted the cost structure, added a progressive hiring plan, and aligned the case with documented economic-sustainability criteria.

"The business existed. What was missing was a structure that proved it created value beyond the investor."
Non-marginality
Profile

Professional with a solid national-impact narrative and verifiable credentials in their field.

Problem detected

The project had no defined economic model. A convincing technical narrative with no financial structure to demonstrate viability or real execution of the proposed impact.

Intervention

Developed a monetization model, built a financial projection tied to the proposed impact, and aligned the technical narrative with the economic structure.

"The profile was real. What was missing was the economic argument that made it defensible under USCIS's current level of scrutiny."
NIW economic backing
Profile

Investor with capital originating from a European corporate structure, going through the process at the Madrid consulate.

Problem detected

The source of the funds — dividends from a foreign company — wasn't documented in a way a consular officer could follow the chain without friction.

Intervention

Reconstructed the documentary chain from the corporate source through to the investment account, with professional translation and formatting for consular review.

"Funds originating from a foreign company's dividends, documented and traceable from day one. When the origin of capital is clear from the start, the process doesn't raise questions — only confirmations."
International fund traceability
What clients say

Verifiable outcomes,
not promises

Clients from the U.S., Colombia, Ecuador, Australia, the UK and Israel. Every testimonial is real and verifiable.

★★★★★

"Alex delivered a professional, clear and well-structured business plan that covered every section I needed — from market analysis and financial projections to a detailed job creation plan. He understood exactly what an immigration officer looks for."

M.T. · United StatesInvestment visa processE-2 Treaty Investor
★★★★★

"He is honest and kind, and does a great job. He analyzes thoroughly and puts all the information you provide in a way that provides a greater chance of acceptance. I am truly thankful."

F.S. · United StatesInvestment visa processE-2 Treaty Investor
★★★★★

"Alex has provided a highly professional service. He thoroughly understood the business model and developed a business plan that exceeded my expectations and has become a key asset for my visa application."

L.M. · ColombiaInvestment visa processE-2 Treaty Investor
★★★★★

"Alex understood our needs from minute zero. 100% proactive communication. He puts himself in the client's shoes and puts on paper exactly what needs to be said — and, most importantly, what the officer needs to see."

A.H. · United StatesInvestment visa processE-2 Treaty Investor
★★★★★

"Working with Alex was an excellent decision. He was able to accommodate my quick turnaround. My business plan is exactly what I needed — professional, complete and delivered on time."

A.M. · AustraliaInvestment visa processImmigration Business Plan
★★★★★

"The most professional person I've dealt with by far. Great to have him work on my file. He analyzes thoroughly and puts all the information in a way that provides a greater chance of acceptance."

F.S. · United StatesVisa processBusiness Plan
Alex Ruiz — CPA Immigration Business Plan Specialist
Alex Ruiz
CPA · Immigration Business Plan Specialist · Madrid, Spain
E-2 Treaty Investor EB-2 NIW L-1A Matter of Ho Dhanasar Framework Bilingual EN/ES
Who's behind the analysis

I'm not an attorney. I work in the layer that determines whether a case has merit before it reaches the legal process.

Certified Public Accountant specialized in financial structuring and business plans for U.S. immigration processes.

For more than 10 years I built financial models for investment, business expansion, and strategic decision-making. For the past 4 years my work has focused exclusively on preparing business plans and financial structures for applications under E-2, EB-2 NIW, and L-1A.

I've collaborated with immigration firms in the U.S. and Latin America, working on case structuring through confidential engagements. The profiles I've worked with come from the U.S., Colombia, Ecuador, Venezuela, Australia, the UK, Israel, and the Netherlands.

My role isn't legal. I work in the dimension that determines whether a case has merit before it reaches the legal process — the business's financial structure, the coherence of the investment, the project's operational viability, and the strategic narrative the immigration officer will evaluate.

Turning down cases that won't hold up — not how many I accept — is the real differentiator: I don't take on every case, and when a profile isn't viable, I say so clearly before the client commits capital to a process that has no real foundation.

Based in Spain as a self-employed professional, digital nomad, or with experience in processes like ENISA? See how your case applies from Spain (in Spanish) →

How we work

How your case is evaluated before
starting a legal process

A process designed to determine whether you should really move forward — before committing capital or starting with an attorney.

I
2 min · No cost
Initial self-assessment
You answer a short form about visa type, available capital, current stage, and whether you've already spoken with attorneys. The goal is simple: filter whether your profile has enough basis to move to a deeper review before you invest time in a call.
II
15 min · Free
Exploratory Call
We review your case live to identify clear signs of viability or risk — project context, level of preparation, and the main points that need attention. If the case has no real basis, I say so here, before you invest in the next step.
III
Case Assessment
A structured analysis of your financial and strategic situation: fund traceability, business model, critical risks, and alignment with USCIS's real criteria. You receive a written opinion with three possible outcomes: Viable · Viable with adjustments · Not viable — with a specific explanation for each.
Payment upfront via PayPal. Booked through Calendly.
IV
Build and Delivery
Complete plan: localized market analysis, a 5-year financial model with documented assumptions, staffing plan, and central strategic argument. Unlimited revisions. Direct coordination with your attorney.
If USCIS questions the financial analysis after delivery, a review is provided at no extra cost.
If your case is viable

You move forward with the full plan, complete financial structuring, and coordination with your attorney. With a solid foundation from the start.

If your case isn't viable

You avoid starting a process that would involve $15,000–$25,000 in legal fees with no real guarantees. Early clarity has value.

"The goal isn't for you to move forward. It's for you to move forward with a structure that can hold up through the process."

Schedule an exploratory call · 15 min · Free

Start here. Understand where you stand before making decisions.

Services and investment

The business plan isn't the deliverable.
It's the structure that keeps your case from failing when USCIS reviews it.

Not every case advances to this stage. The process exists to filter first — so you don't invest in a structure that won't hold up under review.

Mandatory first step
Case Assessment
$249 USD · 60 minutes · Written opinion included
  • Identifies financial risks before USCIS finds them
  • Determines whether your current structure withstands the process's real level of scrutiny
  • Honest opinion: Viable · Viable with adjustments · Not viable — with a specific explanation
  • Payment upfront via PayPal · Direct booking through Calendly
"If your case isn't viable, I'll tell you with complete clarity."
Book assessment
Core · Main specialty
E-2 Treaty Investor · New business
From $1,459 USD · viable cases only
  • Financial structure aligned with USCIS's real criteria — not theoretical assumptions or generic templates
  • Projections that hold up under formal review — demonstrable coherence between investment, operations, and growth
  • Documented fund traceability — origin, flow, and allocation of capital clearly justifiable
  • Non-marginal business design — geared toward real economic sustainability and defensible job creation
  • Preparation for RFE scenarios — structure built to withstand questioning, not just to be filed
  • 5-business-day turnaround · unlimited revisions included
High demand · Restrictive environment
EB-2 NIW · National Interest Waiver
From $1,500 USD · viable cases only
  • Substantial-merit argumentation with quantifiable economic backing — not a professional narrative with no numbers
  • National impact demonstrated with real data — magnitude of the problem, reach of the solution, measurable economic benefit
  • Dhanasar structure built to withstand today's scrutiny — not the standard from two years ago
  • Differentiation from the solopreneur profile — the case demonstrates impact that transcends the individual
  • Prong 3 with financial evidence for the waiver — the weakest argument in 80% of rejected cases, treated as a priority

Also available: E-2 renewal · Existing plan review · Response to RFE for financial analysis · L-1A · EB-5. Consultations in Spanish and English · Documents in professional English. Pricing is confirmed after reviewing your specific case.

"Think of this less as a business plan and more as the financial protection layer standing between your case and failure once it enters review."

Frequently Asked Questions

What clients ask
before making the decision

Legal risk is rarely what sinks a case — what sinks it is entering the process with a financial structure that won't hold up. The assessment identifies whether your case is viable before you commit capital to legal fees, investment, or documentation. Fixing it later means more time, more cost, and more uncertainty. The ROI is asymmetric: $249 against a potential $15,000–$25,000 loss on a non-viable case.

No. They're different dimensions of the same process. Your attorney handles the legal strategy, deadlines, and filing before USCIS. This service works exclusively on the financial dimension — whether the investment structure is defensible, whether the projections are consistent, and whether the model clears USCIS's economic criteria. The most common mistake is assuming one covers the other.

It's possible, but it's where most mistakes happen. A plan for an immigration process isn't evaluated like a traditional business document. It has to meet specific USCIS criteria: fund traceability, financial coherence, non-marginality, and model sustainability. What typically happens: plans built without considering these criteria, or legal packages where the plan is included but produced from standardized templates. These gaps rarely show up in the document itself — they surface once the case is already under review, and by then the cost is more legal fees, additional evidence requests, and months of delay.

You get a clear opinion with specific reasons — and in many cases, the adjustments needed to make it viable. That has value in itself: you avoid starting a process that would take months of work and tens of thousands of dollars on a foundation that wasn't going to hold up under review. Early clarity is the service, regardless of the outcome.

A 60-minute session where we analyze your current financial structure, the business model or project, the critical risks that could affect the case, and its alignment with USCIS's real criteria. At the end you receive a written opinion with three possible outcomes: Viable · Viable with adjustments · Not viable — with a specific explanation for each.

It's not recommended. The 15-minute exploratory call determines whether it makes sense to move forward with a full assessment — and keeps you from paying for an unnecessary analysis if the case isn't at the right stage yet. If the case has a basis after the call, the next step is clear.

No. The service is designed to filter. If a case doesn't have enough of a foundation or isn't at the right stage, that's stated clearly before moving forward. There's no incentive tied to volume — the goal is to determine viability with technical judgment, even if that means recommending against moving forward.

It depends on the visa type and the complexity of the business, but USCIS values substance over length. A well-founded 15-20 page plan usually carries more weight than a 40-page plan full of filler. What matters is that every projection is backed up and the financial narrative is coherent from start to finish.

There's no fixed minimum for E-2 — the amount has to be "substantial" relative to the total cost of the business you're establishing. A restaurant and a digital consultancy have completely different cost structures, so the analysis is done case by case, comparing your investment against the typical capital that type of operation requires.

The business can be formed and begin formal operations in the U.S. before approval, as long as you don't perform executive functions on U.S. soil without the corresponding immigration status. A partner, a hired manager, or a corporate governance structure can keep the operation running while your case is resolved.

The capital already invested in the business (lease, inventory, payroll) remains yours — a denial affects your immigration status, not ownership of the business. That's why the upfront viability assessment matters so much: the goal is to minimize the risk of committing capital to a structure that doesn't have a solid foundation for USCIS.

"Moving forward at any cost was never the point. Making an informed decision before committing resources is — especially in a process that demands consistency from the start."

The next step

Before moving forward with an attorney,
there's a question worth $249

Does your financial structure hold up under USCIS review? If you don't have an answer to that question yet, this is the moment to get one. Not after committing capital. Not after starting the legal process. Now.

No cost · 15 minutes
Exploratory Call
Google Meet · Calendly · Free
To understand whether your case has a basis before investing in the full assessment. No commitment. If the case has no real basis, I say so here.
Schedule a free call →

34 verified approvals · 0 RFEs for financial issues · Response within 4 business hours · Consultations in Spanish and English · Madrid, Spain

We do not practice law. This service covers exclusively the financial and strategic dimension of the immigration case. It does not predict or guarantee immigration outcomes. For legal advice, contact a licensed immigration attorney.

Payment methods accepted by region
International · LATAM · Europe
PayPal (card or account)
Integrated with Calendly
Payment in USD when booking
Available for Colombia, Chile, Argentina, Mexico, and all of LATAM.
Colombia
Nequi
Bancolombia Mobile Payment
Bank transfer
Details provided after the exploratory call is confirmed.
Start here

One conversation can
change the equation

Have a specific question, are you an attorney looking to collaborate, or would you rather reach out directly before scheduling? I'm here.

100% virtual service · Response within 4 business hours · Consultations in Spanish and English · Documents in professional English · Madrid, Spain · Works with clients in the U.S., Europe, and Latin America

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