Debt Financing and Equity Financing for Businesses Marlborough MA

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

Cheryl Costa
AFW Wealth Advisors
(508) 655-0210
550 Cochituate Road - Suite 25
Framinham, MA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, College/Education Planning, Retirement Planning & Distribution Rules, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, MBA

Andrew Chan
Integrative Financial Advisors, LLC
(508) 663-4878
945 Concord Street
Framingham, MA
Expertises
Hourly Financial Planning Services, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Cash Flow/Budgets/Credit Issues, Investment Advice without Ongoing Management, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CIMA

John Epeneter
C.A.R.E. Asset Management & Strategies, Inc.
(978) 897-0741
3 Russell Avenue
Maynard, MA
Expertises
Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Tax Planning, Retirement Planning & Distribution Rules, College/Education Planning, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, CCPS, CFP®, CFS, CPA/PFS, MSFP

David Linnard
Linnard Financial Management and Planning, Inc.
(978) 263-0025
46 Chester Road
Boxborough, MA
Expertises
Retirement Planning & Distribution Rules, Ongoing Investment Management, Retirement Plan Investment Advice, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, MBA

Thomas McFarland
The Darrow Company, Inc.
(978) 369-5144
801 Main Street, Suite 12
Concord, MA
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

Thomas Sturiale
Sturiale Financial Planning
(508) 872-4191
2 Royal Meadow Lane
Framingham, MA
Expertises
Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, Helping Clients Identify & Achieve Goals, Middle Income Client Needs, Newlyweds & Novice Investors, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, MBA, MS

Patricia Konetzny
The Practical Planner
(978) 461-4932
9 Marlboro Street
Maynard, MA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Women's Financial Planning Issues, Retirement Plan Investment Advice, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, EA

Kathleen Dollard
Nashoba Financial Planning
(978) 635-9687
1740 Massachusetts Avenue
Boxborough, MA
Expertises
Ongoing Investment Management, College/Education Planning, Retirement Planning & Distribution Rules, Tax Planning, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, EA, MBA

Janice Swenor
Langtree Associates
(978) 874-0885
206 Ayer Road
Harvard, MA
Expertises
Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, College/Education Planning, Middle Income Client Needs, Newlyweds & Novice Investors, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA, MS

David Bross
DS Bross Financial Advisory
(978) 318-7900
74 Junction Square Drive
Concord, MA
Expertises
Ongoing Investment Management, High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Tax Planning, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, 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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