Debt Financing and Equity Financing for Businesses La Jolla CA

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

James Freeman
Financial Alternatives, Inc.
(858) 459-8289
7734 Herschel Avenue, Suite M
La Jolla, CA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Estate & Generational Planning Issues, Alternative or Private Investments, Real Estate Investments, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, BA, CFP®

Charles Stanley
Trovena LLC
(800) 620-4232
3655 Nobel Drive, Suite 340
San Diego, CA
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Charitable Giving - Trusts & Foundations, Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®, ChFc

Terrance Green
Blue Water Capital Management, LLC
(858) 552-1488
5755 Oberlin Drive
San Diego, CA
Expertises
Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Ongoing Investment Management, Middle Income Client Needs, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

A.J. Frank
A.J. Frank, CFP
(619) 497-0244
3935 Harney Street, Suite 202
San Diego, CA
Expertises
Cash Flow/Budgets/Credit Issues, Middle Income Client Needs, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®

Robert Eddy
Creative Capital Management, Inc.
(619) 298-3993
8880 Rio San Diego Drive, Suite 1150
San Diego, CA
Expertises
Planning Issues for Business Owners, Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Cash Flow/Budgets/Credit Issues, Newlyweds & Novice Investors
Certifications
NAPFA Registered Financial Advisor, CFP®, EA

Christopher Jaccard
Financial Alternatives, Inc.
(858) 459-8289
7734 Herschel Avenue, Suite M
La Jolla, CA
Expertises
High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Alternative or Private Investments, Retirement Planning & Distribution Rules, Insurance Related Issues, including Annuities, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFA, CFP®

Hal Schweiger
Blue Water Capital Management, LLC
(858) 552-1488
5755 Oberlin Drive
San Diego, CA
Expertises
Retirement Plan Investment Advice, Ongoing Investment Management, Planning Issues for Business Owners, Advising Employee Benefit Plan Participants, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®

Jean Sinclair
Avenue Advisors, LLC
(858) 581-3824
12707 High Bluff Dr., Suite 200
San Diego, CA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Investment Advice without Ongoing Management, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, MBA, MS

Theodore Roman
Roman Financial Advisors
(619) 669-1111
2245 San Diego Avenue, Suite 221
San Diego, CA
Expertises
Real Estate Investments, Retirement Planning & Distribution Rules, Tax Planning, Helping Clients Identify & Achieve Goals, Retirement Plan Investment Advice, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, EA

Matthew Showley
Creative Capital Management, Inc.
(619) 298-3993
8880 Rio San Diego Drive, Suite 1150
San Diego, CA
Expertises
Planning Issues for Business Owners, Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Cash Flow/Budgets/Credit Issues, Newlyweds & Novice Investors
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

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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