Debt Financing and Equity Financing for Businesses Bonita Springs FL

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

Paul Pignone
Boston Retirement Advisors, LLC
(239) 444-1714
27499 Riverview Center Boulevard -Suite 123
Bonita Springs, FL
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

Diahann Lassus
Lassus Wherley
(239) 495-1520
3333 Renaissance Blvd., Suite 207
Bonita Springs, FL
Expertises
Ongoing Investment Management, Charitable Giving - Trusts & Foundations, Estate & Generational Planning Issues, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA/PFS, MBA

Donald Purtill
Purtill Financial LLC
(239) 628-3452
6662 Estero Boulevard, Unit 211-B
Fort Myers Beach, FL
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, High Net Worth Client Needs, Tax Planning, Retirement Planning & Distribution Rules, College/Education Planning
Certifications
NAPFA Registered Financial Advisor, CPA/PFS, MBA

Kathleen Campbell
Campbell Financial Partners, LLC
(239) 454-5333
15051 S. Tamiami Trail, Suite 203
Fort Myers, FL
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Hourly Financial Planning Services, College/Education Planning, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor

Todd Macke
Macke Financial Advisory Group, Inc.
(239) 275-1122
12699 New Brittany Boulevard
Ft. Myers, FL
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Alternative or Private Investments, Tax Planning, High Net Worth Client Needs
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

Clare Wherley
Lassus Wherley
(239) 495-1520
3333 Renaissance Blvd., Suite 207
Bonita Springs, FL
Expertises
Planning Concerns for Corporate Executives, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA, MBA

Ramsey Bova
Moneywatch Advisors, Inc.
(239) 597-1117
4524 Silver Fox Drive
Naples, FL
Expertises
Retirement Planning & Distribution Rules, Ongoing Investment Management, Helping Clients Identify & Achieve Goals, College/Education Planning
Certifications
NAPFA Registered Financial Advisor, CFP®

Keith Amburgey
Rutherford Asset Planning, Inc.
(239) 261-3344
5150 Tamiami Trail North, Suite 204
Naples, FL
Expertises
Ongoing Investment Management, Real Estate Investments, Alternative or Private Investments, High Net Worth Client Needs, Retirement Plan Investment Advice, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFA, CFP®

Brian Rezny
Rezny Wealth Management, Ltd.
(800) 618-8577
5237 Summerlin Commons Blvd.
Fort Myers, FL
Expertises
High Net Worth Client Needs, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®

Mr. Paul F. Ciccarelli, CFP®
(239) 495-2242
9240 Bonita Beach Rd SE Ste 3300
Bonita Springs, FL
Firm
Ciccarelli Advisory Services, Inc.
Areas of Specialization
Charitable Giving, Comprehensive Financial Planning, Estate Planning, Intergenerational Planning, Investment Management, Retirement Income Management, Tax Planning
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

Average Income: $250,001 - $500,000

Profession: Business Executives

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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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