Debt Financing and Equity Financing for Businesses Saint George UT

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

Karl Ashliman
Malvern Capital Management, LLC
(435) 656-0718
190 Shadow Point Drive
St. George, UT
Expertises
Ongoing Investment Management, College/Education Planning, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®

Mr. James C. Abel Jr., CFP®
(435) 688-8800
1173 S 250 W Ste 212
Saint George, UT
Firm
Raymond James
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Estate Planning, Insurance Planning, Investment Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $250,001 - $500,000

Profession: Medical/Dental Professionals

Data Provided By:
Darin J. Atkinson, CFP®
(435) 628-8248
1060 S Main St Ste 2
Saint George, UT
Firm
Northwestern Mutual
Areas of Specialization
Comprehensive Financial Planning
Key Considerations
Average Net Worth: Not Applicable

Average Income: Not Applicable

Profession: Not Applicable

Data Provided By:
Mr. Dan Wyson, CFP®
(435) 986-9525
1173 S 250 W Ste 505
Saint George, UT
Firm
Wyson Financial
Areas of Specialization
Asset Allocation, Charitable Giving, Comprehensive Financial Planning, Investment Management, Retirement Planning, Risk Management, Sudden Wealth Management

Data Provided By:
Jennifer N. Neal, CFP®
(435) 986-8968
720 S River Rd Bldg E
St George, UT
Firm
Merrill Lynch, Pierce, Fenner & Smith Incorporated
Areas of Specialization
Comprehensive Financial Planning, Education Planning, Estate Planning, Investment Planning, Retirement Planning, Women's Finances, Young Professionals
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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

Profession: Not Applicable

Data Provided By:
Mr. William Hoagan Powell, CFP®
(888) 652-7900
3734 Sugar Leo Rd
Saint George, UT

Data Provided By:
Mr. Lester M. Halstead Jr., CFP®
(435) 673-9599
640 East 700 South, Suite 302
St. George, UT
Firm
Brock and Associates, LLC
Areas of Specialization
Asset Allocation, Budget Development, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Cross-Border Planning, Debt Management
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

Average Income: $250,001 - $500,000

Profession: Not Applicable

Data Provided By:
Jeffrey J Monson, CFP®
(435) 674-8162
1 S Main St
Saint George, UT
Firm
Wells Fargo
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Estate Planning, General Financial Planning, Investment Management, Retirement Planning

Data Provided By:
Mr. Chad E. Loveland, CFP®
(435) 275-2810
1150 South Bluff St.
Saint George, UT
Firm
Crosier-Loveland Financial.
Areas of Specialization
Business Succession Planning, Comprehensive Financial Planning, Employee and Employer Plan Benefits, Estate Planning, Insurance Planning, Investment Management, Long-Term Care
Key Considerations
Average Net Worth: $100,001 - $250,000

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

Profession: Not Applicable

Data Provided By:
Jeffrey T Brimhall, CFP®
(800) 735-1601
20 N Main St Ste 400
Saint George, UT
Firm
Soltis Investment Advisors
Areas of Specialization
Budget Development, Charitable Giving, Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, General Financial Planning, Insurance Planning

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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