Debt Financing and Equity Financing for Businesses Miami Beach FL

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

Karl Schwartz
Hewins Financial Advisors, LLC
(305) 358-8349
801 Brickwell Avenue, Suite 2350
Miami, FL
Expertises
High Net Worth Client Needs, Retirement Planning & Distribution Rules, Advising Medical Professionals, Planning Issues for Business Owners, Hourly Financial Planning Services, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA

Francis Armstrong
Investor Solutions, Inc.
(305) 443-3339
3250 Mary Street, Suite 207
Coconut Grove, FL
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Charitable Giving - Trusts & Foundations, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, AIFA, CFP®, CLU

William Neubauer
Comprehensive Money Management Services, LLC
(305) 662-7757
535 Vilabella Avenue
Coral Gables, FL
Expertises
Middle Income Client Needs, High Net Worth Client Needs, Planning Issues for Unmarried & Same-Sex Couples, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Bonnie Sewell
American Capital Planning, LLC
(703) 579-7031
9100 S. Dadeland Blvd.
Miami, FL
Expertises
Ongoing Investment Management, Women's Financial Planning Issues, Retirement Planning & Distribution Rules, Planning Issues for Business Owners, Advising Entrepreneurs, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®

Daniel Elie
DAGEL Financial, Inc.
(305) 271-9399
14723 SW 132nd Avenue
Miami, FL
Expertises
Cash Flow/Budgets/Credit Issues, Divorce Planning, College/Education Planning, Middle Income Client Needs, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®, LLM, MBA

Lydia Sheckels
Wescott Financial Advisory Group LLC
(305) 960-2357
200 South Biscayne Blvd., Suite 3400
Miami, FL
Expertises
Estate & Generational Planning Issues, Financial Issues Between Generations, Ongoing Investment Management, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, ChFc, CLU

Catherina Pareto
Cathy Pareto and Associates, Inc.
(305) 648-9814
2030 South Douglas Road, Suite 215
Coral Gables, FL
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Divorce Planning, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Brian Rezny
Rezny Wealth Management, Ltd.
(800) 618-8577
4000 Ponce de Leon Blvd.
Coral Gables, FL
Expertises
High Net Worth Client Needs, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®

Joel Bruckenstein
Global Financial Advisors, Inc.
(954) 885-1900
PO Box 277930
Miramar, FL
Expertises
Ongoing Investment Management, Middle Income Client Needs, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®, CFS, CMFC

Eric Weiss
Brightscape Investment Centers
(305) 233-6222
7241 SW 168th Street
Miami, FL
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Planning Issues for Business Owners, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®, MA, 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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