Debt Financing and Equity Financing for Businesses Paducah KY

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

William Cox
William W. Cox CPA/PFS CFP
(270) 444-0410
PO Box 8064
Paducah, KY
Expertises
Estate & Generational Planning Issues, Middle Income Client Needs, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, BBA, CFP®, CPA/PFS, MBA

Ms. Paula P. Bright, CFP®
(270) 441-8407
5120 Village Square Drive
Paducah, KY
Firm
UBS Financial Services Inc.
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Divorce Issues, Education Planning, Employee and Employer Plan Benefits
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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

Profession: Self-Employed Business Owners

Data Provided By:
Mr. Edward Adams Hely, CFP®
(270) 415-2164
3401 Park Ave Ste 8
Paducah, KY
Firm
Northwestern Mutual Financial Network
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Divorce Issues, Education Planning, Elder Care

Data Provided By:
Mr. Brent L. Denker, CFP®
(270) 442-7875
2929 Broadway
Paducah, KY
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Disaster Recovery, Education Planning, Employee and Employer Plan Benefits

Data Provided By:
Mr. Ron R. Beaton, CFP®
(270) 443-8711
630 Whitney Dr
Paducah, KY
Firm
Ron Beaton's Money Matters
Areas of Specialization
Comprehensive Financial Planning, Education Planning, Estate Planning, Insurance Planning, Intergenerational Planning, Investment Management, Investment Planning
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

Average Income: Not Applicable

Profession: Not Applicable

Data Provided By:
Mr. Brad A. Knight, CFP®
(270) 442-6373
P O Box 9500
Paducah , KY
Firm
Hilliard Lyons
Areas of Specialization
Asset Allocation, Budget Development, Comprehensive Financial Planning, Debt Management, Disaster Recovery, Divorce Issues, Education Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Not Applicable

Data Provided By:
Mr. Brandon W. Morgan, CFP®
(270) 444-7291
621 Broadway St
Paducah, KY
Firm
Bradshaw & Weil, Inc.
Areas of Specialization
Budget Development, Business Succession Planning, Insurance Planning, Long-Term Care, Retirement Income Management, Retirement Planning, Risk Management
Key Considerations
Profession: Business Executives

Data Provided By:
Mr. Heath F. Bowling, CFP®
(270) 444-6220
1249 Broadway
Paducah, KY
Firm
Edward Jones Investments

Data Provided By:
Mr. William W. Cox Jr., CFP®
(270) 444-0410
131 Nahm St
Paducah, KY
Areas of Specialization
Accounting, Asset Allocation, Comprehensive Financial Planning, Education Planning, Estate Planning, General Financial Planning, Insurance Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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



Data Provided By:
Mr. Jamey R. Brown, CFP®
(270) 441-8427
5120 Village Square Dr. Ste. D
Paducah, KY
Firm
UBS Financial Services, Inc.

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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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