Debt-financing methods commonly used by entrepreneurs include loans and advances. Loans and advances are a form of debt financing where entrepreneurs borrow money from financial institutions or lenders and agree to repay the borrowed amount with interest over a specified period of time.

Debt Financing:
Debt financing involves borrowing money from external sources to finance business operations or investments. It is a common method used by entrepreneurs to raise capital for their businesses. Entrepreneurs can obtain debt financing through various methods, such as loans, advances, lines of credit, or bonds.

Loans and Advances:
Loans and advances are one of the most commonly used forms of debt financing by entrepreneurs. They involve borrowing a specific amount of money from a lender, typically a financial institution like a bank. The borrowed amount is then repaid over a predetermined period of time, along with interest.

Advantages of Loans and Advances:
1. Retain Ownership: Unlike equity financing methods like equity shares or venture capital, debt financing allows entrepreneurs to retain ownership and control over their business. They do not have to give up a portion of their business or dilute their ownership stake.

2. Lower Cost: In some cases, loans and advances may have a lower cost of capital compared to equity financing methods. The interest rates on loans and advances are generally fixed, allowing entrepreneurs to plan their finances more effectively.

3. Tax Benefits: Interest payments on loans and advances are tax-deductible expenses, which can help reduce the overall tax liability of the business. This can result in significant savings for entrepreneurs.

4. Flexible Repayment Terms: Loans and advances offer flexibility in terms of repayment. Entrepreneurs can negotiate the repayment period, installment amounts, and other terms based on their cash flow and financial situation.

5. Build Credit History: Timely repayment of loans and advances can help entrepreneurs build a positive credit history, which can be beneficial for future borrowing needs.

Disadvantages of Loans and Advances:
1. Debt Burden: Taking on debt increases the financial obligations of the business. Entrepreneurs need to ensure that they have sufficient cash flow to meet the repayment obligations, which can be challenging, especially for startups or businesses with volatile cash flows.

2. Collateral Requirements: Some lenders may require collateral as security for the loan, especially for larger loan amounts. This can be a barrier for entrepreneurs who do not have sufficient collateral to offer.

Conclusion:
While loans and advances are a commonly used debt-financing method by entrepreneurs, it is important for entrepreneurs to carefully consider their financial situation, cash flow projections, and repayment capabilities before taking on debt. It is advisable to consult with financial advisors or experts to assess the viability and appropriateness of debt financing for their specific business needs.

"Debt-financing" methods commonly used by entrepreneurs include loans and advances. In debt-financing, entrepreneurs borrow funds and are required to repay both the borrowed amount and interest within a specific term.