than that . I always welcome it if they put in more equity funding . For the collateral , if they have the same kind of collateral with the bank , that ’ s very good . Also , we look at whether they have different collateral assets as even better . So separate the collateral from the bank , and also see if the collateral is liquid , and that the value is the fair market value , and if it ’ s over 150 percent of the money they borrow , I feel comfortable with that .
EB5 Investors Magazine : Do you have a separate underwriting department that analyzes the deals ?
Anna : We don ’ t have a special underwriting department , but we do have a due diligence process . We will pay for a third party to study particular things that we don ’ t understand very well — to study that area and give feedback reports . When you ’ re talking about underwriting , that ’ s also one of the reasons why I choose to have the regional center or the PE fund separate from the project itself . The reason why we choose to have such partners is that they are very experienced with the immigration centers . They know what they ’ re aiming for with their projects . The second reason is that they ’ re better able to control the financial risks — this is their primary task . And then I choose those partners who have a good track record , good business assets experience , and especially if we have dealt with them for a couple of years and understand how they react in negative cases and how they perform . From there we build trust . To that end , that ’ s why we don ’ t have our own underwriting firm and why we work with those partners . But we do , in particular areas , have a due diligence process .
EB5 Investors Magazine : What ’ s the estimated volume of EB-5 that you do per year ?
Anna : Not much really . We have around 50 projects . That ’ s the average . But this year we did a bit better — maybe a 20 percent increase .
EB5 Investors Magazine : Do you have the capacity to take on more projects now ?
Anna : We have reliable partners we ’ ve been working with and who we feel very comfortable with , so of course we will place their considerations first , and we feel very comfortable with that . But I want to have more partners from the wealth management side rather than the EB-5 side .
EB5 Investors Magazine : What are your plans for expansion of your company ?
Anna : I don ’ t think we have ambitions to expand throughout China . That ’ s our strategy . We ’ re focused in Shenzhen . We ’ ve been here 19 years and we have a good market reputation . The market has more extensive needs , so we need to provide very professional , comprehensive services to satisfy the market better . This is our strategy , rather than expansion of other branch offices around China .
EB5 Investors Magazine : On the overseas side , how do you handle relocation services ? Is that outsourced or do you have an affiliated company in the destination country for your clients ?
Anna : When we talk about relocation , that ’ s not only housing and the daily counseling , but also for wealth management to satisfy their needs . People can ’ t evaluate housing by themselves . For that reason , I refer them to a housing agent or insurance agent because they can get the business from them , but we select the agents we ’ re working with to make sure that they meet our standards . We outsource , but we focus a lot on the selection of partners for wealth management .
“ The market has more extensive needs , so we need to provide very professional , comprehensive services to satisfy the market better . This is our strategy , rather than expansion of other branch offices around China .”
WWW . EB5INVESTORS . COM 16