Debt Financing and Equity Financing for Businesses Lock Haven PA

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

Mr. John D. Grigsby, CFP®
(717) 571-8203
91 Creekside Dr
Jersey Shore, PA
Firm
Pennsylvania College of Technology
Areas of Specialization
Accounting, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Divorce Issues, Education Planning, Elder Care

Data Provided By:
Mr. Ronald A. Dotts, CFP®
(814) 355-4293
325 DEBI DR
BELLEFONTE, PA
Firm
RONALD A DOTTS, EA, CFP

Data Provided By:
Brian Booth
Rockwood Wealth Management
(267) 983-6400
6236 Lower York Road
New Hope, PA
Expertises
High Net Worth Client Needs, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, CFP®

Steve Templeton
Templeton Financial Planning
(724) 695-1087
651 Holiday Drive, Suite 300
Pittsburgh, PA
Expertises
Tax Planning, Advising Medical Professionals, Retirement Plan Investment Advice, Cash Flow/Budgets/Credit Issues, College/Education Planning, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, CFP®, EA

Steve Templeton
Templeton Financial Planning
(724) 695-1087
850 Beaver Grade Road
Moon Township, PA
Expertises
Tax Planning, Advising Medical Professionals, Retirement Plan Investment Advice, Cash Flow/Budgets/Credit Issues, College/Education Planning, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, CFP®, EA

Mr. Mack R. Courter, CFP®
888 E High Street
Bellefonte, PA
Firm
Courter Financial

Data Provided By:
Citizens Bank - Bellefonte
(814) 355-8600
835 East Bishop Street
Bellefonte, PA
Type
Branch
Office Hours
Mon: 9AM-5PM
Tue: 9AM-5PM
Wed: 9AM-5PM
Thu: 9AM-5PM
Fri: 9AM-6PM
Sat: 9AM-12PM
Sun: na
Drive Up Hours
Mon: 9AM-5PM
Tue: 9AM-5PM
Wed: 9AM-5PM
Thu: 9AM-5PM
Fri: 9AM-6PM
Sat: 9AM-12PM
Sun: na

Steve Templeton
Templeton Financial Planning
(724) 695-1087
8 Four Coins Drive
Canonsburg, PA
Expertises
Tax Planning, Advising Medical Professionals, Retirement Plan Investment Advice, Cash Flow/Budgets/Credit Issues, College/Education Planning, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, CFP®, EA

Spencer Sherman
Abacus Wealth Partners, LLC
(215) 656-4280
1818 Market Street, Suite 3740
Philadelphia, PA
Expertises
Charitable Giving - Trusts & Foundations, Estate & Generational Planning Issues, Financial Issues Between Generations, Ongoing Investment Management, Planning Issues for Business Owners, Socially Responsible Investments
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

George Blenner
Summit Financial Advisors, LLC
(215) 579-1005
12 Penns Trail, Suite 351
Newtown, PA
Expertises
Middle Income Client Needs, Helping Clients Identify & Achieve Goals, Ongoing Investment Management, College/Education Planning, Retirement Planning & Distribution Rules, Cash Flow/Budgets/Credit Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Data Provided By:

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...

Click here to read the rest of this article from GlobalBx