A signature on financing does not establish immigration status. A qualifying E spouse’s work benefit depends on valid status and appropriate evidence.
Separate the obligations
A co-borrower and an eligible dependent are different roles requiring their own assessment.
The E-2 spouse is employment-authorized incident to status and may work in the family business, but guiding paying clients also requires whatever state guide licence applies. What genuinely differs is durability: an employee's status depends on continuing employment with an enterprise that continues to qualify, so a change of ownership at the employer can affect the whole household. The principal investor should wait for valid E-2 status before performing productive work and must still show treaty nationality, a qualifying ownership structure, substantial capital irrevocably committed at risk, a non-marginal operating enterprise, and development and direction through 50% ownership or operational control. A spouse's own employment plans and a child's schooling and age-related deadlines are separate matters from the investor's ability to operate the enterprise, and should not be assumed to be resolved by the investment itself. Where a spouse or an adult child is expected to work in the business, identify the status each of them will actually hold and what it authorizes, then check the document issued to that person rather than the plan discussed at home.