Beyond Payment Processing: The Full Range of What I Can Help With

Most business owners who reach out to me come because of payment processing. It's where I built my career, it's what I'm known for, and it's where a lot of businesses have unanswered questions — about what they're paying, whether their rates are competitive, and whether their setup actually fits how they operate.

But payment processing is one piece of what Fraietta Financial Group does. And for a lot of the business owners I work with, the most valuable thing I offer isn't help with their processing — it's being a single point of contact for the financial side of their business.

Here's a plain-English overview of the full range of what I can help with.

Payment processing

This is where most conversations start. I help business owners evaluate their current processing setup, understand what they're actually paying, and find the right structure for their volume, customer mix, and business type — whether that's in-store POS, mobile payments, online, recurring billing, or healthcare-specific solutions.

I've covered payment processing in depth in earlier articles. If you're not sure what you're paying or whether your rates are competitive, the best starting point is a review of your current processing statement. It's a 20-minute conversation and there's no commitment involved.

Business loans and financing

Access to capital is one of the most common challenges independent business owners face — not because financing doesn't exist, but because the options are fragmented and the differences between them aren't always clear.

I work with business owners across the full range of financing options: SBA 7(a) loans, SBA 504 loans, conventional business term loans, business lines of credit, working capital solutions, and commercial real estate financing. I also work with a fast-funding term loan product that can close in as little as seven days for qualifying borrowers — a structured alternative for businesses that need capital quickly without the cost and structure of a merchant cash advance.

The right financing depends on what you're trying to do, your timeline, and what your business qualifies for. I help business owners work through those questions before they apply anywhere, so they're pursuing the right product rather than whatever's easiest to find.

Business banking

Most business owners open a business checking account when they start their business and never revisit it. The account that worked at launch may not be the right fit now — and the fees, float time, and missing features add up quietly.

I work with business owners to look at their full banking picture: checking accounts, high-yield savings, certificates of deposit, and cash management tools like ACH payments, bill pay, positive pay fraud protection, and remote deposit capture. For businesses that also process payments through me, there's an integration advantage — merchant deposits can transfer same-day into a connected checking account, which gives you cleaner cash flow visibility without waiting on settlement.

Payroll services

Payroll is one of those operational necessities that most business owners handle through whatever they signed up for first — and then spend years working around its limitations. Cloud-based payroll handles the complexity: processing, tax filing, direct deposit, and reporting. It also removes the compliance risk that comes with managing payroll manually or through a system that isn't staying current with tax law changes.

If you're on a payroll system that's causing administrative friction — or you're still processing payroll manually — it's worth a conversation about what a modern cloud-based solution actually looks like.

PEO and HR services

A Professional Employer Organization, or PEO, is a co-employment arrangement that gives smaller businesses access to HR infrastructure they couldn't cost-effectively build on their own — benefits administration, compliance support, workers' compensation coverage, and HR expertise — through a single relationship.

PEO arrangements make the most sense for businesses with employees who want to offer competitive benefits without building an HR function. They're particularly valuable when a business is growing and the administrative burden of managing HR compliance is starting to create real risk.

This isn't a product most business owners think to ask about. But for the right business, it's one of the higher-value conversations I have.

IT services and technology

Through my platform relationship, I can connect business owners with technology infrastructure solutions — cloud computing, data backup and storage, managed IT services, website security, and cloud migration. This is typically most relevant for businesses that are growing past the point where ad-hoc IT decisions are manageable, or that have compliance or security requirements their current setup doesn't address.

Why one relationship matters

The reason I built Fraietta Financial Group to cover this range of services isn't to be a generalist. It's because the financial and operational decisions business owners make don't happen in isolation — and having one advisor who understands the full picture changes the quality of the conversation.

When your payment processing, your banking, and your financing are all through one relationship, I can see how they interact. When a cash flow problem comes up, I can look at whether it's a processing timing issue, a banking structure issue, or a financing need — instead of sending you to three different people who each see one piece.

That's the value of a single trusted advisor. Not just convenience — better advice.

If you'd like to talk through any of the areas above, reach out. The first conversation is always just a conversation.

Reach out directly: diane@fraiettafinancialgroup.com  |  fraiettafinancialgroup.com