Debt Financing and Equity Financing for Businesses Germantown MD

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

Ken Diehl
Cornerstone Financial Planning, Inc.
(301) 253-0600
24908 Silver Crest Drive
Gaithersburg, MD
Expertises
Ongoing Investment Management, Financial Issues Between Generations, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA

Christopher Brown
Ivy League Financial Advisors LLC
(301) 258-1300
11 North Washington Street, Suite 250
Rockville, MD
Expertises
Helping Clients Identify & Achieve Goals, Ongoing Investment Management, High Net Worth Client Needs, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, AIF, BA, BS, CFP®, MBA

Gregory Richardson
Halpern Financial Inc
(240) 268-1000
401 N. Washington Street, Suite 920
Rockville, MD
Expertises
High Net Worth Client Needs, Ongoing Investment Management, Planning Concerns for Corporate Executives, Planning Issues for Business Owners, Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

Barry Korb
Lighthouse Financial Planning, LLC
(301) 996-7044
1515 Allview Drive
Potomac, MD
Expertises
Ongoing Investment Management, High Net Worth Client Needs, Planning Concerns for Corporate Executives, Newlyweds & Novice Investors, College/Education Planning, Investment Advice without Ongoing Management
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

Femi Shote
Asset Harvest Group, LLC
(703) 444-7819
20534 Meadow Island Place
Potomac Falls, VA
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals, High Net Worth Client Needs, Professional Athletes or Entertainers
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®, ChFc, CLU

Ted Halpern
Halpern Financial Inc
(240) 268-1000
401 N. Washington Street, Suite 920
Rockville, MD
Expertises
High Net Worth Client Needs, Advising Medical Professionals, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, AAMS, CRPC, RFC, AWMA

Clark Kendall
Kendall Capital Management
(301) 838-9110
20 Courthouse Square
Rockville, MD
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, AEP, CFA, CFP®

John Ferguson
Ferguson Asset Management Inc.
(301) 670-0994
13305 Travilah Road
Potomac, MD
Expertises
High Net Worth Client Needs, Ongoing Investment Management, Advising Entrepreneurs, Professional Athletes or Entertainers, Women's Financial Planning Issues, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor

Stephen Lingle
Lighthouse Financial Planning, LLC
(301) 996-7044
1515 Allview Drive
Potomac, MD
Expertises
College/Education Planning, Investment Advice without Ongoing Management, Advising Employee Benefit Plan Participants, Retirement Plan Investment Advice, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Thomas Conway
Connemara Fee Only Planning, LLC
(301) 998-6595
1700 Rockville Pike, Suite 400
Rockville, MD
Expertises
Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Investment Advice without Ongoing Management, Estate & Generational Planning Issues, Planning Issues for Business Owners, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, JD

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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