Debt Financing and Equity Financing for Businesses Coventry RI

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

Rebecca Preston
Preston Financial Planning
(401) 421-1777
251 Olney Street
Providence, RI
Expertises
Middle Income Client Needs, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®

Mr. Paul J. Torti Jr., CFP®
(401) 354-9649
62 Crompton Avenue
West Warwick, RI
Firm
Torti Insurance-Close To Home Eldercare Advisory
Areas of Specialization
Budget Development, Comprehensive Financial Planning, Debt Management, Elder Care, General Financial Planning, Healthcare Planning, Insurance Planning
Key Considerations
Average Net Worth: $250,001 - $500,000



Data Provided By:
Mr. Peter J. Alofsin, CFP®
(401) 885-1060
1300 Division Rd
West Warwick, RI
Firm
Capital Wealth Management, LLC

Data Provided By:
Mr. Mark S. Buckley, CFP®
(401) 467-6800
511 Green Bush Road
East Greenwich, RI
Firm
Law Office Of Mark S. Buckley
Areas of Specialization
Budget Development, Debt Management, Estate Planning, Legal Advice

Data Provided By:
Mr. Stephen R. Bucknam, CFP®
(401) 681-4616
117 Metro Center Blvd Ste 2004
Warwick, RI
Firm
Ameriprise Financial Services,Inc
Areas of Specialization
Asset Allocation, Charitable Giving, Education Planning, Elder Care, Estate Planning, General Financial Planning, Insurance Planning

Data Provided By:
Angela Thomson
Coastal Financial Planning, Inc.
(401) 727-8151
12 Breakneck Hill Road, Suite 100
Lincoln, RI
Expertises
Retirement Plan Investment Advice, Ongoing Investment Management, Retirement Planning & Distribution Rules, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BA, CFP®

Mr. William S Tuttle, CFP®
(401) 885-1060
1300 Division Road
W. Warwick, RI
Firm
Capital Wealth Management, Inc.
Areas of Specialization
Asset Allocation, Investment Management, Investment Planning, Securities

Data Provided By:
Mr. Stuart F. Latessa, CFP®
(401) 626-1039
821 Main St
East Greenwich, RI
Firm
Citizens Investment Services
Areas of Specialization
Asset Allocation, Education Planning, Elder Care, Employee and Employer Plan Benefits, Estate Planning, General Financial Planning, Insurance Planning
Key Considerations
Average Net Worth: Not Applicable

Average Income: Not Applicable

Profession: Not Applicable

Data Provided By:
Mr. Richard J Russillo Jr., CFP®
(401) 943-3034
1165 Phenix Ave
Cranston, RI
Firm
SRF Wealth Management

Data Provided By:
Mr. Christopher R Di Fronzo, CFP®
(401) 244-3260
117 Metro Center Blvd Unit 2008
Warwick, RI
Firm
Pioneer Financial
Areas of Specialization
Comprehensive Financial Planning, General Financial Planning, Retirement Income Management, Retirement Planning

Data Provided By:
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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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