Debt Financing and Equity Financing for Businesses Arlington MA

Looking for Debt Financing and Equity Financing for Businesses in Arlington? We have compiled a list of businesses and services around Arlington that should help you with your search. We hope this page helps you find Debt Financing and Equity Financing for Businesses in Arlington.

Sharon Rich
Womoney
(617) 489-3601
76 Townsend Road
Belmont, MA
Expertises
Cash Flow/Budgets/Credit Issues, Helping Clients Identify & Achieve Goals, Middle Income Client Needs, Socially Responsible Investments, Planning Issues for Unmarried & Same-Sex Couples, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BA, Ed.D., MAT

James Pinney
Pinney & Scofield, Inc.
(617) 492-6223
22 Hilliard Street
Cambridge, MA
Expertises
Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, BA, CFA, CFP®

Charlo Maurer
Peace of Money
(617) 744-0193
5 Appleton Street
Watertown, MA
Expertises
Ongoing Investment Management, Real Estate Investments, Socially Responsible Investments, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BA, M.Ed., MS

Dorothy Cole
Dorothy J. Cole
(800) 352-6530
P. O. Box 201
Lexington, MA
Expertises
Planning Issues for Business Owners, Divorce Planning, Financial Issues Between Generations, Middle Income Client Needs, Advising Medical Professionals, Special Needs Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA, EdM

Paul Pignone
Boston Retirement Advisors, LLC
(888) 408-6000
400 Trade Center - Suite 5900
Woburn, MA
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Hourly Financial Planning Services, High Net Worth Client Needs, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®, ChFc, CLU, CSA

Michael Durant
Belmont Financial
(617) 489-0040
30 Church Street, Suite 320
Belmont, MA
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

Susan Moore
Moore Financial Advisors, LTD.
(617) 393-9999
7 Clyde Road
Watertown, MA
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues, Planning Issues for Unmarried & Same-Sex Couples, Divorce Planning, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

Annie McQuilken
Kintyre Financial Advisors, LLC
(781) 862-8606
74 Bedford Street
Lexington, MA
Expertises
Planning Issues for Business Owners, Advising Entrepreneurs, College/Education Planning, Ongoing Investment Management, Socially Responsible Investments, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

Christiane Delessert
Delessert Financial Services, Inc.
(781) 547-5589
230 Third Avenue, 5th Floor
Waltham, MA
Expertises
Ongoing Investment Management, Divorce Planning, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Special Needs Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, LLM, MBA, PhD

Richard Spillane
Spillane Money Management, Inc.
(339) 298-1570
400 TradeCenter, Suite 5900
Woburn, MA
Expertises
Retirement Planning & Distribution Rules, Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Hourly Financial Planning Services, Tax Planning, College/Education Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA

Debt Financing and Equity Financing for Businesses

There are several advantages as well as disadvantages to debt financing and equity financing, and while not everyone understands the differences, they need to be understood.

The first type of financing to look at is the most traditional, called debt financing. In simple terms debt financing means that you have loans for money that you do not have, this is why it is called debt, because you are in debt. Whether you owe this money to a bank, individual company, or even an investor you are under an obligation to repay the debt.

Some of the advantages to debt financing are that you are able to stay in control of your business. You are who decides what money is spent on, whom to hire, what hours of operation and everything else associated with your business. Another advantage is for your tax purposes. Simply put any money that you spend on interest rates you can deduct on your taxes. Depending on the amount of interest you are paying, this can be a huge tax saving.

One of the biggest disadvantages of debt financing is that too much debt can cause your business to look risky, or even unstable. While this is the most desired type of financing, you must ensure that your business is capable of making all debt payments on time.

The next major type of financing is called equity financing. This means that you are trading a piece of ownership of your business for money. This method is most often associated with angel investors and venture capitalists. One of the biggest advantages to equity financing is that you do not have to repay the debt in any way - you do not have to make a monthly or balloon payment to give money back to the investor. As long as your business is making money your investors are happy.

Another advantage is that your investors may be able to help you get debt financing. With the funding coming from several sources, you could give up less of your business and still get the funding you need. In addition, the investors may be financing other companies that can help your business out. Most reputable investors will only associate with reputable companies, so having a reputable investor helping your business automatically gives your business a bit of an edge over some competitors.

The disadvantage with equity financing is that you are giving away partial ownership of your business in exchange for money. This means that you are no longer the only person in charge of making decisions such as pricing, employees, merchandise, and suppliers. You will also need the other owner’s signature in order to apply for bank accounts, credit cards, as well as other forms of debt financing. One of the worse scenarios that can come from equity financing is that you end up being forced out of your business. This is generally caused by disagreements where the parties are unable to work together, and someone must be bought out. Typically, the party bought out is the one who originally started the business, simply becau...

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