Debt Financing and Equity Financing for Businesses Augusta GA

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

Jennifer Noah
The Monitor Group, Inc.
(706) 854-8040
537 Blackburn Drive
Martinez, GA
Expertises
Middle Income Client Needs, Helping Clients Identify & Achieve Goals, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®

Kelly T. Renner, CFP®
(706) 210-3535
3540 Wheeler Rd Ste 304
Augusta, GA
Firm
Life Strategies Financial Partners LLC
Areas of Specialization
Business Succession Planning, Comprehensive Financial Planning, Estate Planning, Intergenerational Planning, Retirement Income Management, Small Business Planning, Sudden Wealth Management

Data Provided By:
Mr. James M. Herrington, CFP®
(706) 736-2522
2531 Center West Pkwy Ste 240
Augusta, GA
Firm
Balchin, Herrington & Associates
Areas of Specialization
Retirement Income Management, Retirement Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $50,001 - $100,000

Profession: Business Executives

Data Provided By:
Mr. Richard D. Cundey, CFP®
(706) 724-3557
810 Poindexter Dr
Augusta, GA
Firm
CB&H Wealth Management Services
Areas of Specialization
Divorce Issues, Estate Planning, Insurance Planning, Investment Management, Long-Term Care, Retirement Planning, Wealth Management
Key Considerations
Average Net Worth: Not Applicable

Average Income: Not Applicable

Profession: Not Applicable

Data Provided By:
Mr. Robert W. Rice, CFP®
(706) 650-9900
2814 Hillcreek Dr Ste A
Augusta, GA
Firm
Asset Advisors Corporation
Areas of Specialization
Asset Allocation

Data Provided By:
Bill Cleveland
Preston & Cleveland Wealth Management, LLC
(706) 855-0170
3740 Executive Center Drive
Augusta, GA
Expertises
Charitable Giving - Trusts & Foundations, Planning Issues for Business Owners, Ongoing Investment Management, Helping Clients Identify & Achieve Goals, High Net Worth Client Needs, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA/PFS, MBA

Mr. William P. Fair, CFP®
(706) 364-4281
1100 Frazier Dr
Augusta, GA
Firm
AP Wealth Management, LLC
Areas of Specialization
Investment Management, Investment Planning, Securities

Data Provided By:
Mr. Troy A. Breitmann, CFP®
(706) 731-1460
3617 Walton Way Ext
Augusta, GA
Firm
Queensborough National Bank and Trust Company
Areas of Specialization
Asset Allocation, Banking, Charitable Giving, Elder Care, Estate Planning, Intergenerational Planning, Investment Management
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000



Data Provided By:
Mr. Thomas W. Jones, CFP®
(706) 650-8877
3602 Wheeler Rd
Augusta, GA
Firm
Jones Jones, Davis & Associates, CPA, PC
Areas of Specialization
Business Succession Planning, Comprehensive Financial Planning, Divorce Issues, Employee and Employer Plan Benefits, Estate Planning, General Financial Planning, Planning for Couples
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $100,001 - $250,000

Profession: Business Executives

Data Provided By:
Mr. Thomas M Powers, CFP®
(706) 731-6612
2805 Wrightsboro Rd
Augusta, GA
Firm
First Bank of Georgia/FB Financial
Areas of Specialization
General Financial Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $100,001 - $250,000



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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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