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New York, NY, USA Strategy, M&A
Manager
10 years experience
  • Debt & Equity Financing
  • Financial Modeling
  • M&A
  • Corporate Finance
  • +19
Hire Michael
London, UK M&A, Private Equity
Senior
13 years experience
  • Debt & Equity Financing
  • Financial Modeling
  • M&A
  • Corporate Finance
  • +12
Hire Simos
Frankfurt, Germany Strategy, M&A
Senior
7 years experience
  • Debt & Equity Financing
  • Financial Modeling
  • Business Strategy
  • M&A
  • +7
Hire Julian
Barcelona, Spain Strategy, M&A
Manager
5 years experience
  • Debt & Equity Financing
  • Financial Modeling
  • Business Strategy
  • Corporate Finance
  • +7
Hire Hassan
London, UK M&A, Private Equity
Senior
15 years experience
  • Debt & Equity Financing
  • Financial Modeling
  • Business Strategy
  • M&A
  • +9
Hire TIMOTHY
Houston, TX, USA Strategy, M&A
Senior
10 years experience
  • Debt & Equity Financing
  • Financial Modeling
  • Business Strategy
  • M&A
  • +28
Hire Cheyne
Amsterdam, Netherlands Strategy, M&A
Senior
10 years experience
  • Debt & Equity Financing
  • Financial Modeling
  • Business Strategy
  • M&A
  • +9
Hire Mohit
Milano, Metropolitan City of Milan, Italy Strategy, M&A
Senior
21 years experience
  • Debt & Equity Financing
  • Financial Modeling
  • Business Strategy
  • M&A
  • +21
Hire Carmine

What do Debt & Equity Financing consultants do?

Our debt & equity financing consultants will help you determine which is the most appropriate financing option after taking factors like the applicable cost of capital, associated risk as well as the corresponding pros and cons into cognizance.

The world's largest network of Debt & Equity Financing consultants

Fintalent is the invite-only community for top-tier independent M&A consultants and Strategy professionals. Our Fintalents serve clients in North America, LATAM, Europe, MENA, and APAC.

Hire global freelance M&A consultants and Strategy experts with extensive experience in over 2,900 industries. Our platform allows you to build your team of independent M&A advisors and Strategy specialists in 48 hours. Welcome to the future of Mergers & Acquisitions!

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Why should you hire Debt & Equity Financing experts with Fintalent?

Trusted Network

Every Fintalent has been vetted manually.

Ready in 48h​​​

Hire efficiently. Your M&A team is ready in 2 days or less.​​​​

Specialized Skills​

Fintalents are best-in-class - and specialized in 2,900+ industries.​

Code of Ethics​​

We guarantee highest integrity and ethical principles.​​​

Frequently asked questions

What clients usually engage your Debt & Equity Financing Consultants?

We work with clients from all over the world. Our clients range from enterprise and corporate clients to companies that are backed by Private Equity or Venture Capital funds. Furthermore, we work directly with Family Offices, Private Equity firms, and Asset Managers. Most of our enterprise clients have dedicated Corporate Development, M&A, and Strategy divisions which are utilizing our pool of Debt & Equity Financing talent to add on-demand and flexible resources, expertise, or staff to their in-house team.

How is Fintalent different?

Fintalent is not a staffing agency. We are a community of best-in-class Debt & Equity Financing professionals, highly specialized within their domains. We have streamlined the process of engaging the best Debt & Equity Financing talent and are able to provide clients with Debt & Equity Financing professionals within 48 hours of first engaging them. We believe that our platform provides more value for Corporates, Ventures, Private Equity and Venture Capital firms, and Family Offices.

Our Hiring Process – What do ‘Community-Approach’ and ‘Invite-to-Apply’ mean?

‘Invite-to-Apply’ is the process by which we shortlist candidates for the majority of projects on our platform. Often, due to the confidential nature of our clients’ projects, we do not release projects to our whole platform but using the matching technology and expertise of our internal team we select candidates who are the best fit for our clients’ needs. This approach also ensures engagement with our community of professionals on the Fintalent platform, and is a benefit both to our clients and independent professionals, as our freelancers have direct access to the roles best suited to their skills and are more likely to take an interest in a project if they have been sought out directly. In addition, if a member of our community is unavailable for a project but knows someone whose skill set perfectly fits the brief, they are able to invite them to apply for the role, utilizing the personal networks of each talent on our platform.

Which skills and expertise do your Fintalents have?

The Fintalents are hand-picked and vetted Debt & Equity Financing professionals, speak over 55 languages, and have professional experience in all geographical markets. Our Debt & Equity Financing consultants’ experience ranges from 3+ years as analysts at top investment banks and Strategy consultancies, to later career C-level executives. The average working experience is 6.9 years and 80% of all Fintalents range from 3-12 years into their careers.

Our Debt & Equity Financing consultants have experience in leading firms as well as interfacing with clients and wider corporate structures and management. What makes our Debt & Equity Financing talent pool stand out is the fact that they have technical backgrounds in over 2,900 industries.

How does the screening and onboarding of your Debt & Equity Financing talent work?

Fintalent.io is an invite-only platform and we believe in the power of referrals and a closed-loop community. Members of our community are able to invite a small number of professionals onto the platform. In addition, our team actively scouts for the best talent who have experience in investment banking or have worked at a global top management consultancy. All of our community-referred talent and scouted talent are subject to a rigorous screening process. As such, over the last 18 months totaling more than 750 hours of onboarding calls, of which only 40% have received an invite-link after the call.

What happens if I am not satisfied with my Debt & Equity Financing consultant’s work?

During your initial engagement with a member of our Fintalent talent pool with no risk. If you are not satisfied with the quality of your hire for any reason then we are able to find a replacement at short notice. There is no minimum commitment per project, but generally projects last at least 5 days and can last 12+ months.

Everything you need to know about Debt & Equity Financing

Debt and equity financing are two main instruments to fund a firm’s operations. They are tools that can be used in different combinations to achieve the goals of a firm. Debt refers to funds borrowed from creditors in exchange for interest payments and repayment of principal at some point in the future. Equity is invested in shares of stock by the owners and shareholders of a business corporation, and come with rights such as dividends paid to owners, either as cash or additional shares, and equity voting rights that affect how the company is run.

Although most businesses rely on both debt financing and equity financing, Fintalent’s debt & equity financing consultants argue that one strategy is not better than another. For example, using debt may seem the best approach when a firm issues bonds and needs to begin operations quickly. On the opposite end of the spectrum, if a firm is highly leveraged and has difficulty paying back its debts, equity financing may be better as an alternative method of raising funds.

Debt financing can also be risky due to its vulnerability to credit loss. In any finance business there is always risk associated with debt instruments such as bonds or loans that are part of a loan agreement or an instrument issued by a company instead of cash. The business will have some assets that it can use to collateralize these debts in case there is default on those debts.

A major difference between debt and equity financing is the cash flow from operations. Debt financing often has a predictable cash flow because it is secured by assets such as corporate loans or bonds issued by the company. Equity financing relies on profits to generate cash flows and therefore can be more risky than debt funds. With any investment strategy, you should always carefully consider your options.

Calculating Interest Rates on Debt Instruments

Although interest rates on different types of loans are usually different, the calculation method for them is usually the same. To find out the loan amount, the interest rate is added to principal, then divided by the number of remaining monthly payments. The result in dollars per month is called the effective annual interest rate (EAR).

Equity instruments such as preferred stock and common stock have different types of issues. In a preferred issue, you get additional shares of stock in exchange for your investment up to a certain dollar amount. In a dividend-paying common issue, you receive cash dividends by purchasing additional shares in an open market transaction. Both apply a financial return on investment to all classes of investor but they differ with regard to the return paid by investors.

A common way of analyzing the payback period of debt instruments is to calculate the effective annual interest rate (EAR) on a debt instrument given relevant parameters. This is achieved by dividing the total annual interest payment by the total cash flow (CFF).

The following table illustrates how to calculate EAR given three different cash flows. The company pays an interest rate of 10% per year, making an additional payment of $100,000 per year, and has a remaining term of four years with monthly payments of $10,000:

A different approach is to analyze an investment using a discounted cash flow model based on certain assumptions about future returns.

With the help of some simple math, you can determine the internal rate of return (IRR) which is the interest rate on a debt instrument that makes the Net Present Value (NPV) equal to zero. In this case, dividing D by E results in 0.05431848. This means that if we could invest $1 million at an annual rate of 5.43% for one year, our investment would be worth exactly $1 million at the end of the year. The IRR is also known as the discount rate when looking at present value, and IRR and NPV are known as cash flow techniques because they are based on cash flows rather than economic reality. In the graph, the IRR is a tangent line drawn from point A to point B.

Debt or Equity Financing?

The advantage to using a variety of financing strategies is that it can help businesses achieve long-term goals. Equity financing can be useful for start-up companies looking for investment funds that will provide equity capital and also increase the share value of their company if successful. Debt financing can help businesses get up and running quickly, as well as provide them a predictable cash flow in order to pay back creditors..

An important consideration that investors should consider when securing capital for their companies involves borrowing money from banks or through private loans. This process includes establishing certain terms and conditions which must be followed. For example, to obtain a loan from a bank, you will have to come up with financial statements for your business and for each source of financing that the company is considering. This process can be very time consuming and difficult and it is important that all parties involved adhere to the agreed upon terms and conditions. When obtaining support or funding through external sources, it is important that the investor or lender know something about the company’s financial standing, business plan and key personnel.

An important consideration when looking at any financing option should involve an analysis of cash flows. Debt instruments paid over time give investors a predictable cash flow into which they can invest. Equity securities provide a higher risk but the potential payout can be rewarding if the company goes on to record profits. If a business is unable to generate sufficient cash flows, it may not have access to enough capital in order to make debt payments. In this situation, equity financing may be necessary for a firm to stay afloat.

Summary

CFOs are responsible for making decisions regarding financing, asset management and cash flow from operations. Data about these areas is necessary for management to make sound business decisions and for investment to be successful. The process of critical decision making requires an understanding of the key issues involved in financing decisions, including understanding the cost of capital, the risk associated with different types of financing and the pros and cons of each type.

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Hire the best Debt & Equity Financing specialists in 2,900+ industries

Fintalent is the invite-only community for top-tier M&A consultants and Strategy talent. Hire global Debt & Equity Financing consultants with extensive experience in over 2,900 industries. Our platform allows you to build your team of independent Debt & Equity Financing specialists in 48 hours. Welcome to the future of Mergers & Acquisitions!