There is no single standard when selecting an investment program. Some regional centers have loans from a bank, some do not. The program with a loan from a bank may be no better than the program that has no bank loan. You should conduct a due diligent review of any project before investing. If there is a bank loan involved, you should look at whether the project identifies the source of revenue for repayment of the loan, whether the project requires recourse in the event of default of a loan, and what is the exit strategy, etc. The EB-5 program requires that the investor’s funds be at risk. There can be no guarantee of the outcome.