HR Mistakes Kill Profit and Funding (Use a PEO to Get Compliant and Bankable) HR Mistakes Kill Profit and Funding—Use a PEO to Get Compliant and Bankable Is your business lender-ready? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps.  Get my free Business Credit Starter Kit at FSBOly.com  Episode summary (SEO + conversion) Professional Employer Organizations (PEOs) can remove approval-killing friction: payroll tax risk, workers’ comp exposure, messy HR documentation, and benefits that can’t compete. In this episode of Small Business Credit Minute w/ S.E. Day™, S.E. Day sits down with Guillermo Triana (PEO-MarketPlace) to explain how PEO co-employment actually works, what PEOs cost, whether a PEO is worth it under 50 employees, and how to choose the right partner using credibility signals like IRS Certified PEO (CPEO) status.  Who this episode is for - Owners under 50 employees juggling payroll, benefits, compliance, and growth - Companies expanding into new states or adding headcount quickly - Owners preparing for financing and trying to look clean + bankable (compliance, cash flow, operational maturity) What you’ll learn (listener outcomes)  - What a PEO is, what “co-employment” does and doesn’t mean - Typical pricing models and how to evaluate ROI (not just fees) - The “control” question: what you keep vs what you delegate - How PEOs support labor-law processes and reduce operational risk - Benefits strategy: what to compare (network, plan design, employer cost) - Contract length, exit steps, and how to avoid payroll/benefits disruption - A decision framework to shortlist and select the right PEO partner Guest spotlight  Guillermo Triana — Founder, PEO-MarketPlace  PEO-MarketPlace helps SMBs compare PEO options for payroll, HR administration, benefits, workers’ comp, and compliance. Practical takeaway Don’t ask “Do I want a PEO?” Ask: Which risk is costing me the most right now—benefits, compliance, workers’ comp, payroll admin, or HR capacity—and which PEO proposal reduces that risk with clean terms and clean exits? Keywords PEO, Professional Employer Organization, co-employment, HR outsourcing, payroll tax administration, workers compensation, employee benefits, small business compliance, wage and hour, HR risk management, CPEO, certified PEO, PEO contract, PEO pricing, per employee per month, percentage of payroll, small business funding readiness

📣 New Podcast! "HR Mistakes Kill Profit and Funding (Use a PEO to Get Compliant and Bankable)" on @Spreaker #businesscredit #businesscreditcard #businessfunding #businesslineofcredit #co_employer #employeebenefits #hroutsourcing #hrriskmanagement #peo #peocontract #peopricing #s_e_day

What the One Big Beautiful Bill means for Small Business Taxes? As we wrap 2025, the recently passed One Big Beautiful Bill has some serious implications for the small business community. Join me as I have a conversation with Ms. Tanika Washington of https://www.ayannafinancials.com. Ms. Washington is one of the sharpest small business tax strategists in the country. She breaks down the Pros and Cons of the OBBB.

📣 New Podcast! "What the One Big Beautiful Bill means for Small Business Taxes?" on @Spreaker #ayannafinancials #obbb #onebigbeautifulbill #s_e_day #sandyday #smallbusiness #smallbusinesscredit #smallbusinesscreditbootcamp #smallbusinesscreditminute #smallbusinesstaxes #tanikawashington

Are you legally complaint with AI usage and the products you produce? Using Artificial Intelligence or AI in your business without legal advice can cost you everything if used incorrectly. Listen in and learn from Attorney Michael McCready of the https://mccreadylaw.com based in Chicago, Illinois on how to stay complaint with current and changing AI policies.

📣 New Podcast! "Are you legally complaint with AI usage and the products you produce?" on @Spreaker #business #businesscredit #businesscrediteducation #businesscreditpodcast #financialliteracypodcast #michaelmccready #s_e_day #sandyday #smallbusinesscredit #smallbusinesscreditminute

Do you have a relationship with your banker? Money moves through relationships! Having a relationship with your banker as a small business owner can be the difference of your business scaling, building small business credit or not! Mrs. Yerlis Guevara, veteran banking manager, will discuss the Pros and Cons of having a relationship or not with your banker. Tune in and enjoy the conversation!

📣 New Podcast! "Do you have a relationship with your banker?" on @Spreaker #build_business_credit #build_business_credit_fast #building_small_business_credit #business_credit_boot_camp #business_credit_builder #business_credit_education #business_credit_expert #business_scaling #fsbo #s_e_day

Is Your Personal Credit Portrait Beautiful...or Ugly? If your credit profile portriat was hanging in a gallery, would creditor buy it or would it be destined for storage? All hope is not lost! Listen in to discover your credit beauty.

📣 New Podcast! "Is Your Personal Credit Portrait Beautiful...or Ugly?" on @Spreaker #build_business_credit #business_credit_book #business_credit_boot_camp #business_credit_builder #business_credit_education #establish_business_credit #for_small_business_only #fsbo #s_e_day #sandy_day

Why business credit matters? Do you know the pitfalls of not properly building business credit? Tune in to understand the pitfalls. Some of them may surprise you! 

📣 New Podcast! "Why business credit matters?" on @Spreaker #business_credit #credit #fsbo #s_e_day #sandy_day #small_business_credit #small_business_credit_podcast