Debt Financing and Equity Financing for Businesses Springfield MO

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

Steven Bell
The Wealth Conservatory
(417) 832-0990
435 East Walnut Street
Springfield, MO
Expertises
Helping Clients Identify & Achieve Goals, High Net Worth Client Needs, Ongoing Investment Management, Retirement Planning & Distribution Rules, College/Education Planning, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Steven Young
Steven Young Financial Planning
(877) 679-3746
910 W. Battlefield
Springfield, MO
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, College/Education Planning, Investment Advice without Ongoing Management, Socially Responsible Investments
Certifications
NAPFA Registered Financial Advisor, CFP®

Mr. Richard A. Hale, CFP®
(417) 866-9663
901 E Saint Louis St Ste 401
Springfield, MO
Firm
Ameriprise Financial

Data Provided By:
Mr. Cody L. Mendenhall, CFP®
(417) 889-4918
300 S. Campbell Ave
Springfield, MO
Firm
Pension Consultants, Inc.
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Employee and Employer Plan Benefits, Estate Planning, Investment Management, Retirement Planning, Risk Management
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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



Data Provided By:
Mr. Mark A. Allred, CFP®
(866) 253-2735
3000 E Chestnut Expy
Springfield, MO
Firm
Ameriprise Financial

Data Provided By:
Michael Babcock
The Wealth Conservatory
(417) 832-0990
435 East Walnut Street
Springfield, MO
Expertises
High Net Worth Client Needs, Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Retirement Planning & Distribution Rules, College/Education Planning, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA

John "Jay" Hutchins
The Wealth Conservatory
(417) 832-0990
435 East Walnut Street
Springfield, MO
Expertises
Ongoing Investment Management, Divorce Planning, Helping Clients Identify & Achieve Goals, Estate & Generational Planning Issues, Hourly Financial Planning Services, High Net Worth Client Needs
Certifications
NAPFA Registered Financial Advisor, AIFA, CDFA, CFP®, MS

Mr. Michael A. Babcock, CFP®
(800) 472-1844
435 East Walnut Street
Springfield, MO
Firm
The Wealth Conservatory
Areas of Specialization
Comprehensive Financial Planning, Investment Management, Investment Planning, Retirement Income Management, Retirement Planning, Tax Planning, Wealth Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Service Professionals

Data Provided By:
Mr. Steven B. Young, CFP®
(877) 679-3746
910 West Battlefield
Springfield, MO
Firm
Steven Young Financial Planning
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Education Planning, Investment Management, Investment Planning, Retirement Income Management, Retirement Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Service Professionals

Data Provided By:
Mr. Michael P. Aldrich, CFP®
(417) 299-2252
1716 W. Westview
Springfield, MO
Firm
Allstate

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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