Debt Financing and Equity Financing for Businesses Rice Lake WI

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

Mr. Stephen W. Bowman, CFP®
(715) 434-0440
738 N Wilson Ave
Rice Lake, WI
Firm
Business & Estate Advisers Inc

Data Provided By:
US Bank - Rice Lake Main Office
(715) 234-9121
138 N Main St
Rice Lake, WI
Drive Up Hours
Mon 07:45 am to 05:30 pm
Tue 07:45 am to 05:30 pm
Wed 07:45 am to 05:30 pm
Thur 07:45 am to 05:30 pm
Fri 07:45 am to 05:30 pm
Sat 07:45 am to 12:00 pm

US Bank - Rice Lake Cumberland Office
(715) 822-3311
1485 2nd Ave
Cumberland, WI
Languages
Spanish
Drive Up Hours
Mon 07:45 am to 04:30 pm
Tue 07:45 am to 04:30 pm
Wed 07:45 am to 04:30 pm
Thur 07:45 am to 04:30 pm
Fri 07:45 am to 06:00 pm
Sat 07:45 am to 12:00 pm

Wealth Management Group, LLC
(715) 822-4888
1328 2nd Avenue
Cumberland, WI
Firm
Wealth Management Group, LLC
Expertises
Retirement, Estate, and Financial Planning

Jeffrey Lokken
Financial & Investment Management Group
(608) 779-0300
1837 East Main Street
Onalaska, WI
Expertises
Charitable Giving - Trusts & Foundations, Advising Medical Professionals, Ongoing Investment Management, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®, ChFc

Mr. Brian T. Niemann, CFP®
(715) 822-4888
1328 2nd Avenue
Cumberland, WI
Firm
Wealth Management Group, LLC
Areas of Specialization
Asset Allocation, Banking, Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, Estate Planning, General Financial Planning
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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



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US Bank - Rice Lake Cedar Mall Office
(715) 234-8212
2950 S Main St
Rice Lake, WI
Drive Up Hours
Mon 08:30 am to 05:00 pm
Tue 08:30 am to 05:00 pm
Wed 08:30 am to 05:00 pm
Thur 08:30 am to 05:00 pm
Fri 08:30 am to 05:00 pm
Sat 08:30 am to 12:00 pm

US Bank - Rice Lake Almena Office
(715) 357-3228
243 US Highway 8
Almena, WI
Drive Up Hours
Mon 08:30 am to 04:00 pm
Tue 08:30 am to 04:00 pm
Wed 08:30 am to 04:00 pm
Thur 08:30 am to 04:00 pm
Fri 08:30 am to 05:30 pm
Sat 08:30 am to 11:00 am

Shannon Wegner
Wegner Asset Management
(608) 441-9711
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Middleton, WI
Expertises
Helping Clients Identify & Achieve Goals, Ongoing Investment Management, High Net Worth Client Needs, Middle Income Client Needs, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®

Daniel Stobba
Stobba Financial Planning
(414) 425-3610
10258 West Cascade Drive
Franklin, WI
Expertises
Ongoing Investment Management, Advising Employee Benefit Plan Participants, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

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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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