Debt Financing and Equity Financing for Businesses Mishawaka IN

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

John Liechty
Integrated Financial Planning Solutions, LLC
(574) 975-3682
203 South Main Street
Goshen, IN
Expertises
Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Socially Responsible Investments, Insurance Related Issues, including Annuities, Investment Advice without Ongoing Management, Charitable Giving - Trusts & Foundations
Certifications
NAPFA Registered Financial Advisor, CFP®, ChFc, CLU

Mr. David J. Temple, CFP®
(574) 236-4738
4101 Edison Lakes Pkwy Ste 300
Mishawaka, IN
Firm
Wells Fargo Advisors, LLC

Data Provided By:
Mrs. Jennifer S. Wagnerowski, CFP®
(574) 255-4754
133 E McKinley
Mishawaka, IN
Firm
Teachers Credit Union
Areas of Specialization
Asset Allocation, Budget Development, Comprehensive Financial Planning, Education Planning, General Financial Planning, Insurance Planning, Investment Management

Data Provided By:
Mrs. Jennifer Keck, CFP®
3900 Edison Lakes Pkwy Ste 120
Mishawaka, IN
Firm
John Hancock Financial Network
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Employee and Employer Plan Benefits, Investment Management, Investment Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Non-Profit Employees

Data Provided By:
Mr. Scott D. Smith, CFP®
(574) 273-8680
4440 Edison Lakes Pkwy Ste 200
Mishawaka, IN
Firm
Scott D. Smith & Associates | a financial advisory practice of Ameriprise Financial Services Inc.
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Estate Planning, Investment Management, Retirement Income Management, Retirement Planning, Tax Planning
Key Considerations
Average Net Worth: Not Applicable

Average Income: Not Applicable

Profession: Not Applicable

Data Provided By:
Aaron Coates
Valeo Financial Advisors, LLC
(574) 206-4454
18709 Taft Court
Goshen, IN
Expertises
Advising Medical Professionals, Advising Entrepreneurs, High Net Worth Client Needs, Planning Issues for Business Owners, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, CIMA

Mr. Billy R. Miles, CFP®
(574) 243-3215
3625 Park Pl W
Mishawaka, IN
Firm
Raymond James Financial Services
Areas of Specialization
Education Planning, Insurance Planning, Investment Planning, Long-Term Care, Retirement Income Management, Wealth Management, Women's Finances
Key Considerations
Average Net Worth: $250,001 - $500,000

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

Profession: Not Applicable

Data Provided By:
Mr. Kevin M. Grunawalt, CFP®
(574) 271-3860
4220 Edison Lakes Parkway
Mishawaka, IN
Firm
Grunawalt Baer Financial
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, Insurance Planning, Investment Management, Real Estate
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Business Executives

Data Provided By:
Mr. Edward F. Camp, CFP®
(574) 273-0518
3900 Edison Lakes Parkway, Suite 103
Mishawaka, IN
Firm
Creative Financial Designs, Inc.
Areas of Specialization
Wealth Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Business Executives

Data Provided By:
Ms. Annette Tansey Moore, CFP®
(574) 277-2555
3625 Park Pl W Ste 200
Mishawaka, IN
Firm
Center For Financial Design
Areas of Specialization
Comprehensive Financial Planning, Estate Planning, Investment Management, Life Planning, Retirement Income Management, Tax Preparation, Wealth Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Not Applicable

Data Provided By:
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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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