Debt Financing and Equity Financing for Businesses Williamsport PA

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

Mr. William E. Fox, CFP®
(570) 743-4955
2505 N Hills Dr
Williamsport, PA
Firm
Susquehanna Trust & Investment
Areas of Specialization
Employee and Employer Plan Benefits, Investment Management, Investment Planning, Retirement Income Management, Securities, Sudden Wealth Management, Wealth Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Self-Employed Business Owners

Data Provided By:
Ms. Shelby J. Mulberger, CFP®
(570) 320-4348
175 Pine St Ste 100
Williamsport, PA
Firm
Morgan Stanley Smith Barney

Data Provided By:
Mr. Paul J. Gedroiz, CFP®
(570) 322-8149
800 W 4th St Ste 107
Williamsport, PA
Firm
Ameriprise Financial

Data Provided By:
Mr. Rudolph A. Kafer, CFP®
(800) 326-9796
2350 East Third Street
Williamsport, PA
Firm
Planned Futures
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Investment Planning
Key Considerations
Average Net Worth: $100,001 - $250,000

Average Income: Not Applicable

Profession: Not Applicable

Data Provided By:
Nancy G. Montanye, CFP®
(570) 322-1235
353 Pine St Suite 1
Williamsport, PA
Firm
Nancy G Montanye CPA
Areas of Specialization
General Financial Planning

Data Provided By:
Mr. Todd M. Rishel, CFP®
(570) 327-1156
2001 W 4th St
Williamsport, PA
Firm
M&T Securities
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Education Planning, Estate Planning, Insurance Planning, Investment Planning, Retirement Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

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

Profession: Not Applicable

Data Provided By:
Michael P. Kolb, CFP®
(570) 322-4627
705 Washington Blvd Ste 100
Williamsport, PA
Firm
ING Financial Partners
Areas of Specialization
Asset Allocation, Budget Development, Business Succession Planning, Comprehensive Financial Planning, Debt Management, Education Planning, Estate Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

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



Data Provided By:
Ms. Barbara L. Jennings, CFP®
(570) 326-9500
400 Market St. Suite 200
Williamsport, PA
Firm
Hudock Moyer Wealth Resources

Data Provided By:
Mr. George I. Rodgers Ii, CFP®
(570) 320-4309
175 Pine Street
Williamsport, PA
Firm
Morgan Stanley Smith Barney
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Elder Care, Estate Planning, Insurance Planning, Intergenerational Planning, Investment Management

Data Provided By:
Mr. James J. Dinsmore, CFP®
(570) 368-1185
999 N Loyalsock Ave
Montoursville, PA
Firm
Liberty Mutual Group
Areas of Specialization
Education Planning, General Financial Planning, Insurance Planning, Life Planning, Retirement Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

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

Profession: Not Applicable

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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