Debt Financing and Equity Financing for Businesses Greenwich CT

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

Lili Vasileff
Divorce and Money Matters, LLC
(203) 393-7200
Two Sound View Drive
Greenwich, CT
Expertises
Divorce Planning, Hourly Financial Planning Services, Special Needs Planning, Ongoing Investment Management, Financial Psychology/Coaching
Certifications
NAPFA Registered Financial Advisor, CDFA, CDP, CFP®, MA, Other

Cheryl Costa
AFW Wealth Advisors
(914) 696-5300 Ext: 210
3020 Westchester Avenue
Purchase, NY
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, College/Education Planning, Retirement Planning & Distribution Rules, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, MBA

Robin Sherwood
HTG Investment Advisors, Inc.
(203) 972-8262
50 Locust Avenue
New Canaan, CT
Expertises
Retirement Planning & Distribution Rules, Ongoing Investment Management, College/Education Planning, High Net Worth Client Needs, Planning Concerns for Corporate Executives, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, MBA

Maureen Whelan
M. A. Whelan Financial Planning
(800) 775-8564
520 White Plains Road
Tarrytown, NY
Expertises
Hourly Financial Planning Services, Middle Income Client Needs, Tax Planning, Financial Issues Between Generations, Investment Advice without Ongoing Management, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Timothy Clark
Greystone Wealth Advisors LLC
(914) 232-3773
100 South Bedford Rd
Mount Kisco, NY
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Estate & Generational Planning Issues, High Net Worth Client Needs, Middle Income Client Needs, Charitable Giving - Trusts & Foundations
Certifications
NAPFA Registered Financial Advisor, BA, MBA

Loretta Nolan
Loretta Nolan Associates LLC
(203) 637-1402
13 Arcadia Road, Suite 10
Old Greenwich, CT
Expertises
Planning Concerns for Corporate Executives, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Ongoing Investment Management, High Net Worth Client Needs
Certifications
NAPFA Registered Financial Advisor, AEP, CFP®

Anthony DeVito
ADV Investment Management & Financial Planning
(914) 738-6313
500 Mamaroneck Avenue
Harrison, NY
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Advising Medical Professionals, Retirement Planning & Distribution Rules, Advising Employee Benefit Plan Participants, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®, PhD

Brian Shea
Shea Financial Advisors
(203) 966-9651
45 Pine Street, Unit 4A
New Canaan, CT
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Tax Planning, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, EA

John Belluardo
Stewardship Financial Services, Inc.
(914) 380-1421
39A Cedar Street
Dobbs Ferry, NY
Expertises
Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Ongoing Investment Management, Investment Advice without Ongoing Management, Women's Financial Planning Issues, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, ChFc, MS

Marie DeCaprio
MCD Advisors
(914) 432-5058
78 Meadow Road
Briarcliff Manor, NY
Expertises
Investment Advice without Ongoing Management, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFA, CFP®

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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