Debt Financing and Equity Financing for Businesses Butte MT

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

Mr. Bruce S Graving, CFP®
(406) 723-8686
65 E Broadway St
Butte, MT
Firm
Thrivent Financial for Luthera
Areas of Specialization
Comprehensive Financial Planning, Retirement Income Management, Retirement Planning

Data Provided By:
US Bank - Butte Office
(406) 496-4000
10 S Main St
Butte, MT
Drive Up Hours
Mon 08:00 am to 05:00 pm
Tue 08:00 am to 05:00 pm
Wed 08:00 am to 05:00 pm
Thur 08:00 am to 05:00 pm
Fri 08:00 am to 05:00 pm

Wells Fargo - Butte Uptown
(406) 533-7042
202 N Main St
Butte, MT
Type
Branch
Office Hours
Mon-Fri 07:30 AM-05:00 PM
Sat-Sun Closed

Mr. Thomas Van Mcgillvray, CFP®
(406) 652-6662
993 South 24th Street, West
Billings, MT
Firm
Ameriprise Financial Services,

Data Provided By:
Mr. Stephen Courtney Knudson, CFP®
(406) 238-8900
401 N 31st St Fl 13
Billings, MT
Firm
Morgan Stanley Wealth Management
Areas of Specialization
Asset Allocation, Charitable Giving, Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, Estate Planning, General Financial Planning
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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



Data Provided By:
Mr. Bradley B Cederberg, CFP®
(406) 782-8321
49 N Main St
Butte, MT
Firm
D.A. Davidson & Co.

Data Provided By:
Wells Fargo - Butte South
(406) 533-7030
3650 Harrison Ave
Butte, MT
Type
Branch
Office Hours
Mon-Fri 07:30 AM-05:30 PM
Sat 09:00 AM-03:00 PM
Sun Closed

Robert Frey
Professional Financial Management, Inc.
(406) 587-1604
945 Technology Blvd., Suite 102
Bozeman, MT
Expertises
Retirement Plan Investment Advice, Ongoing Investment Management, Middle Income Client Needs, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®, CLU

Mr. Timothy Christensen, CFP®
(406) 655-9228
US Bank Building, Suite 300
Billings, MT
Firm
Ameriprise Financial Services,

Data Provided By:
Dixie S. Hall, CFP®
(406) 541-4665
2620 Connery Way
Missoula, MT
Firm
Thrivent Financial For Lutherans
Areas of Specialization
Comprehensive Financial Planning, Education Planning, General Financial Planning, Insurance Planning, Investment Management, Retirement Planning, Risk Management

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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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