Debt Financing and Equity Financing for Businesses Fountain CO

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

Craig Carnick
Carnick & Company
(719) 579-8000
675 Southpointe Court, Suite 102
Colorado Springs, CO
Expertises
Ongoing Investment Management, High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Planning Concerns for Corporate Executives, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, CFP®

Steven King
King Financial Planning & Management, LLC
(719) 302-1088
2 N. Cascade Avenue, Suite 1100
Colorado Springs, CO
Expertises
Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Planning Concerns for Corporate Executives, Advising Medical Professionals, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Mary Brooks
Brooks Financial Planning
(719) 492-1833
34 South Sierra Madre Street
Colorado Springs, CO
Expertises
Financial Issues Between Generations, Hourly Financial Planning Services, Ongoing Investment Management, Cash Flow/Budgets/Credit Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, M.Ed.

Jane Young
Pinnacle Financial Concepts, Inc.
(719) 260-9800 Ext: 4
7025 Tall Oak Drive, Suite 210
Colorado Springs, CO
Expertises
Advising Medical Professionals, Women's Financial Planning Issues, Ongoing Investment Management, Retirement Planning & Distribution Rules, Divorce Planning, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, EA, MBA

Susan Strasbaugh
Strasbaugh Financial Advisory, Inc.
(719) 265-4600
8580 Scarborough Drive, Suite 145
Colorado Springs, CO
Expertises
Retirement Planning & Distribution Rules, Advising Medical Professionals, Ongoing Investment Management, Tax Planning, Women's Financial Planning Issues, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, EA

David Forbes
Petra Financial Advisors, Inc.
(719) 636-9000
2 North Cascade, Suite 720
Colorado Springs, CO
Expertises
Ongoing Investment Management, Charitable Giving - Trusts & Foundations, Advising Medical Professionals
Certifications
NAPFA Registered Financial Advisor, BS, CFA, CFP®

Deborah Hoskins
Pikes Peak Financial Planning LLC
(719) 578-3309
102 S. Tejon Street Suite 1100
Colorado Springs, CO
Expertises
Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Helping Clients Identify & Achieve Goals, Tax Planning, Special Needs Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, JD, MS

Connie Hancock
Petra Financial Advisors, Inc.
(719) 636-9000
2 North Cascade, Suite 720
Colorado Springs, CO
Expertises
Estate & Generational Planning Issues, Tax Planning, Advising Medical Professionals, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Professional Athletes or Entertainers
Certifications
NAPFA Registered Financial Advisor, CFP®

Linda Leitz
Pinnacle Financial Concepts, Inc.
(719) 260-9800 Ext: 4
7025 Tall Oak Drive, Suite 210
Colorado Springs, CO
Expertises
Divorce Planning, Middle Income Client Needs, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CDP, CFP®, EA

Mr. Kevin P. Sullivan, CFP®
(719) 576-4500
1229 Lake Plaza Dr
Colorado Springs, CO
Firm
Sullivan & Associates
Areas of Specialization
Comprehensive Financial Planning, Intergenerational Planning, Retirement Income Management, Risk Management, Small Business Planning, Sudden Wealth Management, Wealth Management
Key Considerations
Average Net Worth: $250,001 - $500,000

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

Profession: Self-Employed Business Owners

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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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