Debt Financing and Equity Financing for Businesses Covington KY

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

Robert Carroll
The Alpine Financial Group
(513) 861-1889
2142 Alpine Place
Cincinnati, OH
Expertises
Helping Clients Identify & Achieve Goals, Divorce Planning, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®, CPA

Ronda Koehler
Ritter Daniher Financial Advisory, LLC
(513) 233-0715
7529-A State Road
Cincinnati, OH
Expertises
High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Women's Financial Planning Issues, Estate & Generational Planning Issues, Ongoing Investment Management, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, CFP®

John Ritter
Ritter Daniher Financial Advisory, LLC
(513) 233-0715
7529-A State Road
Cincinnati, OH
Expertises
High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Women's Financial Planning Issues, Estate & Generational Planning Issues, Ongoing Investment Management, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CFS

Matthew Yerkes
Yerkes Financial Advisors
(513) 528-8270
431 Ohio Pike North, Suite 210
Cincinnati, OH
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CPA, PFS

John Lame
Lenox Wealth Management
(513) 618-7080
8044 Montgomery Road, Suite 480
Cincinnati, OH
Expertises
Ongoing Investment Management, Planning Issues for Business Owners, Cash Flow/Budgets/Credit Issues, Tax Planning, Charitable Giving - Trusts & Foundations, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®

Jeffrey Daniher
Ritter Daniher Financial Advisory, LLC
(513) 233-0715
7529-A State Road
Cincinnati, OH
Expertises
High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Women's Financial Planning Issues, Estate & Generational Planning Issues, Ongoing Investment Management, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, AEP, CFP®, CLU, CTFA

Robert Riccardi
Ritter Daniher Financial Advisory, LLC
(513) 233-0715
7529-A State Road
Cincinnati, OH
Expertises
High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Women's Financial Planning Issues, Estate & Generational Planning Issues, Ongoing Investment Management, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, CFP®

Gregory Busch
Ritter Daniher Financial Advisory, LLC
(513) 233-0715
7529-A State Road
Cincinnati, OH
Expertises
High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Estate & Generational Planning Issues, Charitable Giving - Trusts & Foundations, Ongoing Investment Management, Cash Flow/Budgets/Credit Issues
Certifications
NAPFA Registered Financial Advisor, CFP®

Lucas Hail
Foster & Motley, Inc.
(513) 561-6640 Ext: 14
7755 Montgomery Road, Suite 100
Cincinnati, OH
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Advising Medical Professionals, High Net Worth Client Needs, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

David Foster
Foster & Motley, Inc.
(513) 561-6640 Ext: 14
7755 Montgomery Road, Suite 100
Cincinnati, OH
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals, Planning Concerns for Corporate Executives, Tax 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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