Debt Financing and Equity Financing for Businesses Hackensack NJ

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

Cary Carbonaro
Stonegate Wealth Management, LLC
(201) 791-0085
17-17 Route 208
Fair Lawn, NJ
Expertises
Ongoing Investment Management, Planning Issues for Business Owners, Women's Financial Planning Issues, Retirement Planning & Distribution Rules, Charitable Giving - Trusts & Foundations, High Net Worth Client Needs
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, MBA

James Shagawat
Baron Financial Group, LLC
(866) FEE-ONLY (333-6659)
16-00 Route 208 South
Fair Lawn, NJ
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Advising Entrepreneurs, High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Special Needs Planning
Certifications
NAPFA Registered Financial Advisor, BA, MBA

Victor Cannillo
Baron Financial Group, LLC
(866) FEE-ONLY (333-6659)
16-00 Route 208 South
Fair Lawn, NJ
Expertises
Retirement Planning & Distribution Rules, Real Estate Investments, Special Needs Planning, Helping Clients Identify & Achieve Goals, High Net Worth Client Needs, Financial Issues Between Generations
Certifications
NAPFA Registered Financial Advisor

Keith Amburgey
Rutherford Asset Planning, Inc.
(201) 266-6807
2 Lambs Lane
Cresskill, NJ
Expertises
Ongoing Investment Management, Real Estate Investments, Alternative or Private Investments, High Net Worth Client Needs, Retirement Plan Investment Advice, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFA, CFP®

Robert Dowling
Modera Wealth Management, LLC
(201) 768-4600
56 Jefferson Avenue, Second Floor
Westwood, NJ
Expertises
Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®, CLU

V. Peter Traphagen
Traphagen Investment Advisors, LLC
(201) 262-1040
234 Kinderkamack Road
Oradell, NJ
Expertises
Cash Flow/Budgets/Credit Issues, Planning Issues for Business Owners, Divorce Planning, Estate & Generational Planning Issues, Ongoing Investment Management, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CPA/PFS

Martin Shenkman
Martin M. Shenkman, PC
(201) 845-8400
4 Forest Avenue, 2nd Floor
Paramus, NJ
Expertises
Estate & Generational Planning Issues, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CPA, JD, MBA

Stephen Craffen
Stonegate Wealth Management, LLC
(201) 791-0085
17-17 Route 208
Fair Lawn, NJ
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CDFA, CFA, ChFc, CLU, MBA, MS

Gregory Plechner
Modera Wealth Management, LLC
(201) 768-4600
56 Jefferson Avenue, Second Floor
Westwood, NJ
Expertises
Ongoing Investment Management, Planning Concerns for Corporate Executives, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CASL, CFP®, ChFc, CLU, EA

Charles Roberson
Modera Wealth Management, LLC
(201) 768-4600
56 Jefferson Avenue, Second Floor
Westwood, NJ
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Advising Medical Professionals, High Net Worth Client Needs, Insurance Related Issues, including Annuities
Certifications
NAPFA Registered Financial Advisor, CFP®, CLU

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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