Debt Financing and Equity Financing for Businesses New York NY

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

Joyce Streithorst
Frisch Financial Group, Inc.
(212) 983-8444
100 Park Avenue, Suite 1600
New York, NY
Expertises
Ongoing Investment Management, Women's Financial Planning Issues, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Divorce Planning, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, MSFS

Cary Carbonaro
Stonegate Wealth Management, LLC
(201) 791-0085
11 Penn Plaza
New York City, NY
Expertises
Ongoing Investment Management, Planning Issues for Business Owners, Women's Financial Planning Issues, Retirement Planning & Distribution Rules, Charitable Giving - Trusts & Foundations, High Net Worth Client Needs
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, MBA

James Ludwick
MainStreet Financial Planning, Inc.
(917) 320-5460
1440 Broadway, 23rd Floor
New York City, NY
Expertises
Cash Flow/Budgets/Credit Issues, Middle Income Client Needs, Real Estate Investments, Retirement Planning & Distribution Rules, Planning Issues for Unmarried & Same-Sex Couples
Certifications
NAPFA Registered Financial Advisor, CFP®

Annette Clearwaters
Clarity Investments + Planning LLC
(212) 730-7029
60 East 42nd Street, Suite 1600
New York, NY
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, College/Education Planning, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®

Frederick Deyeso
financial filosophy
(917) 916-2207
105 East 38th, 5B
New York, NY
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Newlyweds & Novice Investors
Certifications
NAPFA Registered Financial Advisor, CFA, CFP®, MSFP

Timothy Clark
Greystone Wealth Advisors LLC
(914) 232-3773
330 Madison Avenue
New York, NY
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Estate & Generational Planning Issues, High Net Worth Client Needs, Middle Income Client Needs, Charitable Giving - Trusts & Foundations
Certifications
NAPFA Registered Financial Advisor, BA, MBA

Joel Isaacson
Joel Isaacson & Co., LLC
(212) 302-6300
546 Fifth Avenue, 20th Floor
New York, NY
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Professional Athletes or Entertainers, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA/PFS, MBA

Philip Capell
Piermont Wealth Management Inc.
(212) 983-8525
100 Park Avenue, Suite 1600
New York, NY
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues, Divorce Planning, Helping Clients Identify & Achieve Goals, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, CFP®, JD, MS

Darin Schnall
Schnall Advisory Services
(212) 967-6155
350 Fifth Avenue, Suite 3505
New York, NY
Expertises
Planning Concerns for Corporate Executives, Ongoing Investment Management, Retirement Plan Investment Advice, High Net Worth Client Needs, Hourly Financial Planning Services, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, CPA, MBA

Anthony DeVito
ADV Investment Management & Financial Planning
(800) 732-5031
60 East 42nd Street
New York, NY
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Advising Medical Professionals, Retirement Planning & Distribution Rules, Advising Employee Benefit Plan Participants, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®, PhD

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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