Debt Financing and Equity Financing for Businesses Terre Haute IN

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

Troy Thomas Charters, CFP®
(812) 232-1144
401 Wabash Ave
Terre Haute, IN
Firm
Morgan Stanley Smith Barney

Data Provided By:
Gay Ann Monninger, CFP®
(812) 232-0700
328 South 5th Street
Terre Haute, IN
Firm
Swan Street Financial, LLC

Data Provided By:
Mr. Stanley E. Poorman, CFP®
(812) 234-1617
2901 Ohio Blvd Ste 156
Terre Haute, IN
Firm
CliftonLarsonAllen Wealth Advisors
Areas of Specialization
Asset Allocation, Budget Development, Comprehensive Financial Planning, Education Planning, Estate Planning, General Financial Planning, Insurance Planning

Data Provided By:
Mr. Gene E. Griffin, CFP®
(812) 299-8900
1190 E Canvasback Dr
Terre Haute, IN
Firm
Capital Planning Systems
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Employee and Employer Plan Benefits, Estate Planning, Insurance Planning
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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

Profession: Self-Employed Business Owners

Data Provided By:
Ms. Sharon L. Robinson, CFP®
(812) 299-8027
229 Highland Ct
Terre Haute, IN

Data Provided By:
Robert A. Vickers, CFP®
(812) 478-7010
401 Ohio St
Terre Haute, IN
Firm
Merrill Lynch
Areas of Specialization
Comprehensive Financial Planning, Education Planning, Investment Management, Retirement Income Management

Data Provided By:
Thomas Foster, CFP®
(812) 231-1822
401 Wabash Ave
Terre Haute, IN
Firm
Morgan Stanley Smith Barney
Areas of Specialization
Asset Allocation, Charitable Giving, Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, Insurance Planning, Retirement Income Management
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. Marc E. Weaver, CFP®
(812) 467-3193
3300 E. Margaret Avenue
Terre Haute, IN
Firm
MetLife, Inc.

Data Provided By:
Mr. Michael W. Collins, CFP®
(812) 232-0196
1210 S Third St
Terre Haute, IN
Firm
Northwestern Mutual Financial
Areas of Specialization
Asset Allocation, Business Succession Planning, Comprehensive Financial Planning, Estate Planning, Insurance Planning, Investment Planning, Long-Term Care

Data Provided By:
Mr. Robert W. Davidson, CFP®
(812) 298-2671
4675 S US Highway 41
Terre Haute, IN
Firm
LPL Financial

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...

Click here to read the rest of this article from GlobalBx