Debt Financing and Equity Financing for Businesses Spokane WA

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

John McCarthy
John T. McCarthy, LLC
(509) 370-2975
1124 West Riverside Drive, Suite 305
Spokane, WA
Expertises
Cash Flow/Budgets/Credit Issues, Middle Income Client Needs, Advising Medical Professionals, Ongoing Investment Management, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, ChFc, MBA

Mr. Robert W. Scott, CFP®
(509) 232-0076
140 S Arthur St Ste 420
Spokane, WA
Firm
Ameriprise Financial Services,

Data Provided By:
Mr. Bruce D. Ellwein, CFP®
(509) 590-0676
4407 N Division St Ste 920
Spokane, WA
Firm
First Command
Areas of Specialization
Comprehensive Financial Planning, Estate Planning, Insurance Planning, Investment Management, Retirement Income Management, Retirement Planning
Key Considerations
Average Net Worth: $100,001 - $250,000

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

Profession: Government Employees

Data Provided By:
Mr. Peter N. Bock, CFP®
(509) 326-0776
104 S Freya St Ste 218
Spokane, WA
Firm
Crown Capital
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Divorce Issues, Insurance Planning, Investment Management, Retirement Income Management, Risk Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Self-Employed Business Owners

Data Provided By:
Mr. David T. Demars, CFP®
(509) 536-9556
104 S Freya St Ste 218
Spokane, WA
Firm
Demars Financial Group
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Estate Planning, Investment Management, Long-Term Care
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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



Data Provided By:
Mr. Joel C. White, CFP®
(509) 755-0123
104 S Freya St Ste 320
Spokane, WA
Firm
Joel C White Co.

Data Provided By:
Eric Coltrain, CFP®
(509) 536-6185
301 N Havana St
Spokane, WA
Firm
CUNA Brokerage Services, Inc.
Areas of Specialization
Asset Allocation, Banking, Comprehensive Financial Planning, Debt Management, Divorce Issues, Education Planning, Estate Planning

Data Provided By:
Janis A Gerards, CFP®
(509) 324-4266
104 S. Freya
Spokane, WA
Firm
Ameriprise Financial Services, Inc.
Areas of Specialization
Comprehensive Financial Planning, Intergenerational Planning, Investment Management, Retirement Income Management, Socially Responsible Investments, Tax Planning

Data Provided By:
Mr. David D. Green, CFP®
(509) 850-3740
528 E Spokane Falls Blvd Ste 501
Spokane, WA
Firm
David Green CPA PLLC
Areas of Specialization
Charitable Giving, Estate Planning, LGBT Individuals and Couples, Real Estate, Retirement Planning, Tax Planning, Tax Preparation
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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

Profession: Medical/Dental Professionals

Data Provided By:
James Shawn Coleman, CFP®
(509) 326-4054
906 W Sprague Ave
Spokane, WA
Firm
Griffiths, Dreher & Evans, PS,

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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