Debt Financing and Equity Financing for Businesses Hampton VA

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

Katherine Brown
The Advisory Firm of Katherine Brown, LLC
(757) 847-3040
751 Thimble Shoals Blvd., Suite H-2
Newport News, VA
Expertises
Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Hourly Financial Planning Services, Ongoing Investment Management, Investment Advice without Ongoing Management, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, BA, CSA, PFP

Ms. Anne W. Shuford, CFP®
(757) 810-8181
32 Wine St
Hampton, VA
Firm
New Point Financial Advisors
Areas of Specialization
Asset Allocation, Budget Development, Charitable Giving, Comprehensive Financial Planning, Debt Management, Divorce Issues, Education Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000



Data Provided By:
Mr. Aubrey L. Baker, CFP®
(757) 851-1725
43 Waters Edge Circle
Hampton, VA
Firm
AL BAKER
Areas of Specialization
Charitable Giving, Comprehensive Financial Planning, Debt Management, Education Planning, Estate Planning, Government and Military, Retirement Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $50,001 - $100,000

Profession: Government Employees

Data Provided By:
Mr. Oscar N. Alvarez, CFP®
(757) 595-4588
714 J Clyde Morris Blvd Ste 120
Newport News, VA
Firm
Pathway Financial Services
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Education Planning, Elder Care, Estate Planning, General Financial Planning, Insurance Planning
Key Considerations
Average Net Worth: $100,001 - $250,000

Average Income: $50,001 - $100,000

Profession: Not Applicable

Data Provided By:
Michael R Mason, CFP®
(757) 223-9898
11827 Canon Blvd.
Newport News, VA
Firm
Mason and Associates, LLC

Data Provided By:
Marshall H. Groom, Jr.
Groom Financial Advisory
(804) 716-2100
4445 Corporation Lane, Suite 200
Virginia Beach, VA
Expertises
Ongoing Investment Management, Hourly Financial Planning Services, Retirement Planning & Distribution Rules, High Net Worth Client Needs, Estate & Generational Planning Issues, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, JD

Adam G Marr, CFP®
(757) 727-8180
34 E. Queens Way
Hampton, VA
Firm
Wells Fargo Advisors, LLC
Areas of Specialization
Asset Allocation, Budget Development, Charitable Giving, Comprehensive Financial Planning, Debt Management, Education Planning, Estate Planning

Data Provided By:
Mr. Thomas W. Morris Jr., CFP®
(757) 850-5969
1524 N Mallory St
Hampton, VA
Firm
Thomas Morris CPA

Data Provided By:
Mr. Edward H. James, CFP®
(757) 873-3300
701 Town Center Dr
Newport News, VA
Firm
Morgan Stanley

Data Provided By:
Mr. Richard T. Holden, CFP®
(757) 240-2302
751 Thimble Shoals Blvd
Newport News, VA
Firm
Raymond James Financial Services
Areas of Specialization
Comprehensive Financial Planning, Education Planning, General Financial Planning, Insurance Planning, Investment Management, Long-Term Care, Retirement Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $50,001 - $100,000

Profession: Government Employees

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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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