Debt Financing and Equity Financing for Businesses Noblesville IN

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

William Howell
Howell Financial Advisors, Inc.
(317) 877-8000
176 W. Logan Street
Noblesville, IN
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, High Net Worth Client Needs, Women's Financial Planning Issues, Helping Clients Identify & Achieve Goals, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA

Jeffrey Moheban
Avalon Wealth Advisory, Inc.
(317) 814-4790
9775 Crosspoint Boulevard, Suite 110
Indianapolis, IN
Expertises
Planning Issues for Business Owners, Charitable Giving - Trusts & Foundations
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA/PFS

Kathleen Hartman
Greenleaf Financial Group
(317) 576-1727
6525 E. 82nd St., Suite 212
Indianapolis, IN
Expertises
Ongoing Investment Management, Hourly Financial Planning Services, Retirement Planning & Distribution Rules, Middle Income Client Needs, Planning Issues for Unmarried & Same-Sex Couples, Socially Responsible Investments
Certifications
NAPFA Registered Financial Advisor, CFA, CFP®

Ryan Thomas
Column Capital Advisors, LLC
(317) 663-6508
8888 Keystone Crossing, Suite 1675
Indianapolis, IN
Expertises
Ongoing Investment Management, High Net Worth Client Needs, Tax Planning, Estate & Generational Planning Issues, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA

Elaine Bedel
Bedel Financial Consulting, Inc.
(317) 843-1358
3815 River Crossing Pkwy. Ste 120
Indianapolis, IN
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, MBA

Michael Kalscheur
Castle Wealth Advisors, LLC
(317) 849-9559
9820 Westpoint Drive, Suite 200
Indianapolis, IN
Expertises
Retirement Planning & Distribution Rules, College/Education Planning, Tax Planning, Estate & Generational Planning Issues, Planning Issues for Business Owners, Charitable Giving - Trusts & Foundations
Certifications
NAPFA Registered Financial Advisor, CFP®

Gary Pittsford
Castle Wealth Advisors, LLC
(317) 849-9559
9820 Westpoint Drive, Suite 200
Indianapolis, IN
Expertises
Planning Issues for Business Owners, Charitable Giving - Trusts & Foundations, Planning Concerns for Corporate Executives, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®

Jennifer Hartman
Greenleaf Financial Group
(317) 576-1727
6525 E. 82nd St., Suite 212
Indianapolis, IN
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Hourly Financial Planning Services, College/Education Planning, Planning Issues for Unmarried & Same-Sex Couples, Socially Responsible Investments
Certifications
NAPFA Registered Financial Advisor, CFP®, CFS, MFA

William Howell
Howell Financial Advisors, Inc.
(317) 877-8000
3815 River Crossing Parkway
Indianapolis, IN
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, High Net Worth Client Needs, Women's Financial Planning Issues, Helping Clients Identify & Achieve Goals, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA

Brad Cougill
Deerfield Financial Advisors, Inc.
(317) 469-2455
8440 Woodfield Crossing Boulevard, Suite 360
Indianapolis, IN
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules
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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