Starting or growing a business in Florida takes financial resources that many businesses simply do not have on hand, 所以他们不得不考虑其他选择. 找到正确的融资方式至关重要. 同样，避免错误将有助于防止延误.
在艾伦·雷斯尼克律师事务所，P.A, our business lawyer in迈阿密-Dade helps businesses regardless of their life cycle. 如果你是一家初创公司, 希望扩大规模的小公司, 或者已经成立的家族企业, we will assist in the discovery and obtainment of the right financial support to propel your business and meet your goals. 联络竞技宝体育竞猜: 305-672-7495 安排免费电话咨询 and to learn more about all of our business law services.
佛罗里达州的商业融资类型
当开始或经营一项业务时, one of the most important questions is how you intend to fund it. 如果你自己没有足够的钱, 你还可以考虑其他几种融资方式.
债务融资
债务融资包括向债权人借款. These funds must be repaid with interest, usually via regular preset payments. 银行贷款是债务融资的一个常见例子. 债务融资可分为短期或长期, 取决于这笔钱的预期用途.
Some creditors require the debt to be secured or attached to collateral. This is an asset the creditor can use in the event you fail to make repayments and default on the loan.
债务融资的不同来源包括:
- Traditional or non-traditional banks, including loans, lines of credit, and credit cards
- 商业金融公司
- 债务集资”
- 点对点借贷
- 债券
Some government programs or agencies also offer assistance to small businesses seeking debt financing. 例如, 小企业管理局为某些银行的贷款提供担保, 使小企业主更容易获得资金.
股权融资
Equity financing involves an individual or company investing in your business in exchange for owning a percentage of it. 与债务融资不同，投资者不会得到回报. 相反，他们会收到你的部分商业利润.
投资可以来自:
- 天使投资人
- 风险投资家
- 投资银行
- 大公司
- 股本集资”
股权融资可能很复杂. It requires issuing membership units (in the case of an LLC) or stock (for a corporation).
其他类型的融资
除了债务和股权融资, a range of federal and state government industry-specific grants are available to small businesses if they meet certain criteria.
租赁是股权或债务融资的另一种选择. It is often available where you require a large piece of equipment or premises to start your small business but cannot purchase them outright.
Many businesses structure a combination of different types of financing. Each type of financing comes with potential advantages, disadvantages, and risks. 出于这个原因, it is important to seek legal advice from a business attorney and financial advisor before choosing one.
Comparing the Advantages and Disadvantages of Business Financing in Florida
Advantages and disadvantages flow from both debt and equity financing. It is important to understand what to expect from each type of business financing. 同样的, 请记住，每个融资情况都是独一无二的, 所以并不是所有的好处或坏处都适用.
债务融资
One of the main advantages of debt financing is that it allows you to retain full control over your business. Unlike equity financing, you're not giving away any ownership in exchange for an investment.
债务融资涉及一种保持距离的安排. The clear terms of the loan mean repayments are predictable and can be easily budgeted for. There is also a clear end date marking the termination of the commercial relationship between the parties.
你为债务融资支付的利息也可以抵税.
债务融资的缺点
With debt financing, you must use cash to pay back the loan and interest. This can limit your cash flow, which can be difficult when a business is first starting.
债务融资也依赖于良好的信用评级. 如果你没有，就很难获得. Defaulting on a business loan can also have consequences for your future credit rating.
Debt financing can also be risky, especially if the lender requires security. 他们可能想用个人资产担保你的贷款.
股权融资
Equity financing offers a source of capital without going into debt or having to pay interest. The absence of new debt and interest payments should lead to increased cash flow, which can be reinvested in the business and not to debt repayment.
Equity financing also gives you access to potentially large amounts of capital, 哪一个对快速扩大业务规模有帮助. It can be a good option if you are looking to develop a long-term business relationship with your investors, 他们很有兴趣和你合作做生意.
股权融资
作为企业主, you lose some ownership—and therefore control—over the business via equity financing. 投资者可能希望对公司的运营有发言权, 这可能导致复杂和耗时的安排.
股权融资通常也需要额外的管理, 比如定期向投资者汇报. 最后, if your friends or family invest and the business does not succeed, 这种失败会导致人际关系紧张.
佛罗里达州的商业融资律师如何提供帮助
A business lawyer can be a strategic partner in the growth of your business. 以及其他商业法律服务, our business attorney in Florida can help you secure financing and minimize risk.
- 规划. 商业融资律师会审查你的财务状况, 业务目标, and financing options to determine which are best aligned with your financial needs in the short- and long-term.
- 应用. A business financing lawyer will gather supporting documents as well as review and help complete the right forms.
- 保护. A business financing lawyer can help you properly and timely submit business financing applications or forms to secure the funding.
As implied by the various advantages and disadvantages of business financing, 有很多因素需要考虑. You want to make sure you adequately plan, properly apply, and timely secure the right funding. 这样做可以帮助你避免延误并发展你的业务.
今天联系迈阿密戴德的商业融资律师
你希望你的生意有一个强大的财务基础, 尤其是考虑到目前市场的波动. If you want to establish a solid foundation, contact The 艾伦·雷斯尼克律师事务所，P.一个今天. Our business law attorney in Florida can be reached by either using the online form or calling us at 305-672-7495 安排免费电话咨询. 竞技宝体育竞猜期待着与贵公司做生意.