Debt Financing and Equity Financing for Businesses Lawrence KS

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

Stephen C Lane, CFP®
(785) 749-1881
PO Box 1881
Lawrence, KS
Firm
LPL Financial
Areas of Specialization
Asset Allocation, Business Succession Planning, Comprehensive Financial Planning, Employee and Employer Plan Benefits, Investment Management, Small Business Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $100,001 - $250,000

Profession: Self-Employed Business Owners

Data Provided By:
Mr. John V. Oberzan, CFP®
(785) 865-5308
515 Rockledge Rd
Lawrence, KS
Firm
Raymond James Financial Services, Inc.
Areas of Specialization
Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, Estate Planning, Investment Planning, Long-Term Care, Retirement Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

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

Profession: Not Applicable

Data Provided By:
Mrs. Victoria M Bogner, CFP®
(785) 841-4664
2500 W 31st, Suite B
Lawrence, KS
Firm
McDaniel Knutson Financial Partners
Areas of Specialization
Investment Management
Key Considerations
Average Net Worth: $250,001 - $500,000

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

Profession: Business Executives

Data Provided By:
Emily B. Hill, CFP®
(785) 749-1111
1429 Oread West
Lawrence, KS
Firm
Morgan Stanley
Areas of Specialization
Comprehensive Financial Planning
Key Considerations
Average Net Worth: $5,000,001 or more

Average Income: Not Applicable

Profession: Not Applicable

Data Provided By:
Mr. Donald D. Duncan, CFP®
(785) 749-1111
1429 Oread West
Lawrence, KS
Firm
Morgan Stanley

Data Provided By:
Mr. Stephen A Menke, CFP®
(913) 735-9291
4500 Bob Billings Pkwy Ste 109
Lawrence, KS
Firm
Lincoln Financial Advisors
Areas of Specialization
Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Elder Care, General Financial Planning, Insurance Planning, Investment Management
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $100,001 - $250,000

Profession: Self-Employed Business Owners

Data Provided By:
Mr. Edward K. Zeller, CFP®
(785) 841-4664
2500 West 31st Street
Lawrence, KS
Firm
McDaniel Knutson Financial Partners

Data Provided By:
Ms. Margaret K. Stenseng, CFP®
(785) 841-7676
2601 W 6th St Ste B1
Lawrence, KS
Firm
Waddell & Reed

Data Provided By:
Ms. Peggy Johnson, CFP®
(785) 841-2985
3200 Mesa Way
Lawrence, KS
Firm
Ameriprise Financial
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Estate Planning, General Financial Planning, Investment Management, LGBT Individuals and Couples, Life Planning

Data Provided By:
Mr. Phillip A. Rademacher, CFP®
(785) 865-5308
515 Rockledge Rd
Lawrence, KS
Firm
Rademacher Financial Inc
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Divorce Issues, Education Planning, Elder Care
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

Average Income: $250,001 - $500,000



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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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