Debt Financing and Equity Financing for Businesses Sebastian FL

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

Mary Baldwin
Mary E. Baldwin, CFP
(321) 722-0511
1735 West Hibiscus Boulevard, Suite 200
Melbourne, FL
Expertises
Ongoing Investment Management, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Ms. Linda D. Stursberg, CFP®
(772) 388-9800
701 Lake Dr
Sebastian, FL
Firm
Manatee Financial Group Inc

Data Provided By:
Mr. Richard A. Yemm, CFP®
(772) 562-1281
1940 10th Ave Ste C
Vero Beach, FL
Firm
First Asset Managers, Inc.
Areas of Specialization
Business Succession Planning, Comprehensive Financial Planning, Employee and Employer Plan Benefits, Small Business Planning

Data Provided By:
Ms. Rosemarie L. Spytek, CFP®
(772) 567-6060
623 17TH ST
Vero Beach, FL
Firm
Raymond James Financial Servic

Data Provided By:
Mr. Christopher R. Steele, CFP®
(772) 778-0552
2770 Indian River Blvd., Ste 204
Vero Beach, FL
Firm
Professional Advisory Services
Areas of Specialization
Investment Management
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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

Profession: Medical/Dental Professionals

Data Provided By:
Mr. Thomas P. Kiernan, CFP®
(772) 569-7210
13529 US Highway 1 Ste 1F
Sebastian, FL
Firm
Edward Jones
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, General Financial Planning, Insurance Planning, Investment Management
Key Considerations
Average Net Worth: Not Applicable

Average Income: Not Applicable

Profession: Not Applicable

Data Provided By:
Mr. Ramesh J. Gulati, CFP®
(772) 231-1070
4910 Wood Duck Cir
Vero Beach, FL
Firm
Gulati Asset Management
Areas of Specialization
Asset Allocation, Business Succession Planning, Comprehensive Financial Planning, Divorce Issues, Estate Planning, Investment Management, Investment Planning
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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

Profession: Self-Employed Business Owners

Data Provided By:
Mr. Scott W. Stradley, CFP®
(772) 562-5435
1797 14th Ave
Vero Beach, FL
Firm
Scott W. Stradley CPA, P.A.
Areas of Specialization
Accounting, Asset Allocation, Budget Development, Business Succession Planning, Charitable Giving, Disaster Recovery, Estate Planning

Data Provided By:
Mr. Paul Allen Williamson, CFP®
(772) 492-8894
1515 Indian River Blvd.
Vero Beach, FL
Firm
Paul Williamson and Company, Inc.
Areas of Specialization
Investment Management, Retirement Income Management, Retirement Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $50,001 - $100,000

Profession: Not Applicable

Data Provided By:
Mr. Jeffrey M. Schlitt, CFP®
(772) 567-1188
1717 Indian River Blvd
Vero Beach, FL
Firm
Schlitt Services
Areas of Specialization
Investment Planning

Data Provided By:
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...

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