Debt Financing and Equity Financing for Businesses Saint Joseph MO

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

Mrs. Shannon K. Moore, CFP®
(816) 364-7235
415 Francis St
Saint Joseph, MO
Firm
U.S. Bank

Data Provided By:
Mr. W. Scott Hinde, CFP®
(816) 364-4900
PO Box 8399
Saint Joseph, MO
Firm
Hinde & Co
Areas of Specialization
Investment Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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



Data Provided By:
Mr. Wakefield W. Hare, CFP®
(816) 279-4623
4305 Frederick Ave Ste 305
St. Joseph, MO
Firm
Choice Financial Services
Areas of Specialization
Asset Allocation, Budget Development, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Debt Management, Education Planning

Data Provided By:
US Bank - Belt & Pickett Office
(816) 364-7337
2701 S Belt Hwy
Saint Joseph, MO
Drive Up Hours
Mon 07:30 am to 05:30 pm
Tue 07:30 am to 05:30 pm
Wed 07:30 am to 05:30 pm
Thur 07:30 am to 05:30 pm
Fri 07:30 am to 05:30 pm
Sat 09:00 am to 12:00 pm

US Bank - Ashland & Lovers Lane Office
(816) 364-7332
3115 Ashland Ave
Saint Joseph, MO
Drive Up Hours
Mon 07:30 am to 05:30 pm
Tue 07:30 am to 05:30 pm
Wed 07:30 am to 05:30 pm
Thur 07:30 am to 05:30 pm
Fri 07:30 am to 05:30 pm
Sat 09:00 am to 12:00 pm

Mr. Thomas R Tewell, CFP®
(816) 390-1414
400 Jules
St Joseph, MO
Firm
Tewell & Assoc Financial Group

Data Provided By:
Jennifer L Lawson, CFP®
(816) 233-9403
1807 N Woodbine Rd Ste B
Saint Joseph, MO
Firm
Ameriprise Financial
Areas of Specialization
Comprehensive Financial Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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



Data Provided By:
US Bank - Robidoux Office
(816) 364-7420
415 Francis St
Saint Joseph, MO
Drive Up Hours
Mon 07:30 am to 05:30 pm
Tue 07:30 am to 05:30 pm
Wed 07:30 am to 05:30 pm
Thur 07:30 am to 05:30 pm
Fri 07:30 am to 05:30 pm
Sat 09:00 am to 12:00 pm

US Bank - 800 North Belt Office
(816) 364-7207
800 N Belt Hwy
Saint Joseph, MO
Drive Up Hours
Mon 07:30 am to 05:30 pm
Tue 07:30 am to 05:30 pm
Wed 07:30 am to 05:30 pm
Thur 07:30 am to 05:30 pm
Fri 07:30 am to 05:30 pm
Sat 08:30 am to 12:30 pm

US Bank - 5th Avenue Office
(816) 364-7492
1000 5th Ave
Saint Joseph, MO
Drive Up Hours
Mon 07:30 am to 05:30 pm
Tue 07:30 am to 05:30 pm
Wed 07:30 am to 05:30 pm
Thur 07:30 am to 05:30 pm
Fri 07:30 am to 05:30 pm
Sat 09:00 am to 12:00 pm

Data Provided By:

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...

Click here to read the rest of this article from GlobalBx