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	Saint Lucia Central America & Caribbean	Bulgaria Europe	Spain Europe
Overview	Saint Lucia is a Caribbean jurisdiction with a Citizenship by Investment programme launched in 2016. Bordercase coordinates with authorised local agents.	Bulgaria is an EU member state with competitive corporate tax, structured residency routes, and a well-developed digital infrastructure. Bordercase coordinates with licensed Bulgarian partners for filings.	Spain offers structured EU residency routes for individuals, families, and entrepreneurs, including the digital nomad visa introduced under the Startups Law. Bordercase coordinates with licensed Spanish partners for filings.
Best for	Second passport English admin Caribbean residency	Founders EU access Cost of living	Families Remote workers EU access Cost of living
Currency	XCD	BGN / EUR transition	EUR
Language	English	Bulgarian	Spanish
Time zone	UTC-4	UTC+2	UTC+1
EU member	No	Yes	Yes
Schengen	No	Yes	Yes
Residency	Saint Lucia routes: Citizenship by Investment (CBI) via fund contribution or approved real-estate investment Standard work permits Family routes	Bulgarian residency routes: Employment-based residence Business / self-employment routes Retirement / pensioner residency Family reunification EU citizen-derivative routes Permanent residence typically after 5 years.	Spanish residency routes: Non-Lucrative Visa - passive income, no employment in Spain Digital Nomad Visa - remote workers and self-employed (Startups Law) Self-Employed Visa Entrepreneur Visa EU citizen-derivative routes The Golden Visa has been phased out for real estate purchases.
Company setup	Domestic companies and IBCs are common in international structures.	OOD (LLC) and EOOD (single-shareholder LLC) are common structures. Formation is well-documented. Corporate tax is at a flat rate; VAT registration depends on activity.	SL (Sociedad Limitada) is the standard private company. Registration involves NIE / NIF, notary, mercantile registry, and tax registration. Spanish tax residency triggers worldwide income reporting; the Beckham Law (special tax regime) may apply to eligible relocated workers.
Banking	Banking is selective. Bordercase coordinates banking introductions through current partners.	Personal and corporate banking for residents is broadly accessible. Source-of-funds documentation matters for non-standard cases. Bordercase coordinates banking introductions.	Personal banking for residents is straightforward; corporate banking depends on activity and structure. Bordercase coordinates introductions for non-standard cases.
Family	CBI can include qualifying dependents.	Family reunification is supported. Schools (public, private, English, German, French) are concentrated in Sofia, Plovdiv, and Varna.	Family reunification is supported on most residency routes after a qualifying period. Schools (public, private, international) are widely available; the public system is generally accessible to legal residents.
Risks	Risks Bordercase watches for in Saint Lucia: Programme parameters change Due diligence has tightened Reputational and revocation risks if information is misrepresented	Risks Bordercase watches for in Bulgaria: Tax residency triggers VAT classification on cross-border services Processing variations between regions Euro adoption is in progress - operational planning needed	Risks Bordercase watches for in Spain: Tax residency triggers - 183 days + centre of interests Beckham Law (special regime) eligibility Autonomous-community tax variation Hacienda audits when planning is unclear Past Schengen overstays must be disclosed
Documents	Typical CBI documents: Passport Due diligence questionnaires Source-of-funds evidence (extensive) Family certificates with apostille and translation	Typical Bulgarian residency documents: Passport Criminal record certificate Proof of address Basis for residence (employment, business, etc.) Health insurance Family certificates Apostilled and translated to Bulgarian.	Typical Spanish residency documents: Passport NIE (foreigner identification number) Criminal record certificate with apostille Proof of income / assets Health insurance with full cover in Spain Accommodation evidence Marriage / birth certificates for family routes

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