There are different ways to make the required investment in order to qualify for the Canadian Immigrant Investor Program. Investors can either deposit the full amount (Full Funding), or Finance the required amount (Financed Funding) from a chartered Canadian bank.

Full Funding
The investor deposits the full amount of CDN $800,000. No further payment is required. After five years, CDN $800,000 is returned to the investor with no accrued interest. (The funds are invested in government bonds during the five-year term.)

Financed Funding
The investor pays the reduced amount of CDN $180,000*. No further payment is required. However, the CDN $180,000 is not returned to the investor at the end of the five-year period. The funds are used to finance a CDN $800,000 closed five-year term loan from a chartered bank.
This option is particularly attractive for applicants seeking to retain maximum capital for investment in ongoing business operations. * This option currently costs CDN $180,000. This amount may change marginally if the prime lending rates in the national banking system rise or fall in response to changes in the Bank of Canada key interest rate.