Debt Financing and Equity Financing for Businesses Ventura CA

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

Josette Hewitt
Al Hewitt Inc
(877) 254-9348
400 Camarillo Ranch Road
Camarillo, CA
Expertises
Women's Financial Planning Issues, Advising Medical Professionals, Tax Planning, Ongoing Investment Management, Planning Issues for Business Owners, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, AAMS, ABA, ATA, ATP, CFP®, EA

Mr. Paul K. San, CFP®
(805) 676-1231
270 S Mills Rd
Ventura, CA
Firm
Wells Fargo Advisors
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Estate Planning, Retirement Income Management, Retirement Planning, Securities
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Service Professionals

Data Provided By:
Mr. Leon R. Rousso, CFP®
(805) 676-1110
3585 Maple St
Ventura, CA
Firm
Leon Rousso & Associates
Areas of Specialization
Comprehensive Financial Planning, Employee and Employer Plan Benefits, Healthcare Planning, Investment Management, Investment Planning, Long-Term Care, Retirement Income Management
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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

Profession: Business Executives

Data Provided By:
Mr. Kent L. Brown, CFP®
(805) 644-5800
5550 Telegraph Rd.
Ventura, CA
Firm
Brown Financial Services
Areas of Specialization
General Financial Planning, Retirement Income Management, Retirement Planning, Sudden Wealth Management, Tax Planning, Tax Preparation, Wealth Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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



Data Provided By:
Michael Thomas Gardia, CFP®
(805) 642-7365
2075 S Victoria Ave
Ventura, CA
Firm
Chase Investment Services
Areas of Specialization
Asset Allocation, Banking, Charitable Giving, Comprehensive Financial Planning, Education Planning, Estate Planning, General Financial Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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



Data Provided By:
Alan E. Hewitt
Al Hewitt Inc
(877) 254-9348
400 Camarillo Ranch Road
Camarillo, CA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Tax Planning, Advising Medical Professionals
Certifications
NAPFA Registered Financial Advisor, AAMS, ATA, ATP, CFP®, EA, AWMA

Mr. Richard S. Jeffery, CFP®
(805) 644-1224
290 Maple Ct Ste 118
Ventura, CA
Firm
Financial Network Invest Corp
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, General Financial Planning, Investment Management, Investment Planning, Men's Finances, Planning for Couples

Data Provided By:
Mr. Frank C. Crowley, CFP®
(805) 644-0128
2060 Knoll Dr Ste 101
Ventura, CA
Firm
Horizons Wealth Management

Data Provided By:
Mr. Richard A. Walton, CFP®
(805) 477-0732
6633 Telephone Rd Ste 122
Ventura, CA
Firm
Law Offices of Richard Albert
Areas of Specialization
Accounting, Estate Planning, Legal Advice, Tax Planning, Tax Preparation

Data Provided By:
Mr. Stephen H. Wagner, CFP®
(805) 339-0760
1001 Partridge Dr
Ventura, CA
Firm
Wagner Financial Group

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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