Debt Financing and Equity Financing for Businesses Lithonia GA

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

Norris Edmonson
Beacon Financial Advisers, Inc.
(678) 750-1700
1429 Business Center Drive
Conyers, GA
Expertises
Ongoing Investment Management, Tax Planning, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, BS, CPA/PFS

Sandra Porter
Sandy Porter, LLC
(404) 377-4577
10 Candler Grove Drive
Decatur, GA
Expertises
Hourly Financial Planning Services, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Investment Advice without Ongoing Management, Women's Financial Planning Issues, Planning Issues for Unmarried & Same-Sex Couples
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, CRPC, MA

Houston Smith
Smith and Raab CPA Financial Planners, PC
(404) 377-9500
2302 Parklake Drive, Suite 100
Atlanta, GA
Expertises
Helping Clients Identify & Achieve Goals, Estate & Generational Planning Issues, Middle Income Client Needs, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CPA/PFS, MBA

Eleanor Burton
Sanders Financial Management, Inc.
(770) 448-5111
3455 Peachtree Road NE
Atlanta, GA
Expertises
Helping Clients Identify & Achieve Goals, Women's Financial Planning Issues, Newlyweds & Novice Investors
Certifications
NAPFA Registered Financial Advisor, CFP®

Melissa Hallmark
Sanders Financial Management, Inc.
(770) 448-5111
3455 Peachtree Road NE
Atlanta, GA
Expertises
Helping Clients Identify & Achieve Goals, Retirement Plan Investment Advice, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BBA, CFP®, MBA

Helga Cuthbert
Cuthbert Financial Guidance
(404) 633-6420
836 Sycamore Street
Decatur, GA
Expertises
Helping Clients Identify & Achieve Goals, Middle Income Client Needs, Ongoing Investment Management, Women's Financial Planning Issues, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®

Robert Hockett
Cambridge Southern Financial Advisors
(770) 506-7377
505 Corporate Center Drive, Suite 105
Stockbridge, GA
Expertises
High Net Worth Client Needs, Advising Medical Professionals, Planning Issues for Business Owners, Planning Concerns for Corporate Executives, Retirement Planning & Distribution Rules, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, BA, CFP®

Brian O'Neill
Cahaba Wealth Management, Inc.
(404) 549-7678
999 Peachtree Street NE, Suite 790
Atlanta, GA
Expertises
Planning Concerns for Corporate Executives, Ongoing Investment Management, Advising Employee Benefit Plan Participants, Estate & Generational Planning Issues, High Net Worth Client Needs, Alternative or Private Investments
Certifications
NAPFA Registered Financial Advisor, CFP®

Warren Wick
Lesesne Capital Management
(404) 231-3414
3630 Peachtree Road NE, Suite 940
Atlanta, GA
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, High Net Worth Client Needs, Planning Concerns for Corporate Executives, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, CLU, CPA, MBA

Micah Porter
Minerva Planning Group, Inc.
(877) 881-5379
1170 Peachtree St NE, Suite 1200
Atlanta, GA
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, High Net Worth Client Needs, Women's Financial Planning Issues, Hourly Financial Planning Services, Investment Advice without Ongoing Management
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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