Access to capitalafter just 1 weekof processing
Process with us for a week and you're eligible. No waiting months to build history.
Switch & unlock capital · for small & medium businesses
Guaranteed funding approval.
At the speed of business.
Switch your card processing to PayMullet and unlock access to capital after just 1 week of processing. Same-day funding, no credit score required, and repayment that takes care of itself.
Trusted by thousands of businesses
Real humans on the phone
Capital powered by
jaris
Same-dayfunding
Approved in the morning, money in your account the same business day.
No credit scorerequired
Approval is based on your card sales, not your personal credit. No hard pull.
Simpleapplication
A two-minute form. We already see your processing, so there's no paperwork pile.
Automatedrepayment
A small percentage of each day's card sales — no due dates to remember.
Switch this week. Fund next week.
Switching processors sounds like a headache. We do the setup, the terminal programming and the paperwork — you keep running your business, and the capital unlocks as soon as your first week of sales is on our books.
Switch to PayMullet
Send us a recent statement. We match or beat your rates, ship pre-programmed equipment, and handle the cutover — usually with zero downtime.
Live in under a week · we cover early-termination fees on qualifying accounts
Process for one week
Run your card sales like normal. That first week of processing is all the history we need to guarantee your funding approval.
No credit check · no application yet
Get funded — same day
Tell us how much you need. We size an offer to your sales, you e-sign, and funds land the same business day. Repayment comes out of daily card sales automatically.
Powered by Jaris · all loans subject to approval
Why switch to PayMullet
Better processing today. Capital when you need it.
Most processors take a cut of every sale and disappear when you call. We built PayMullet the other way around: keep more of every sale, talk to a real person, and have working capital ready before your busy season — not after.
- 0% processing program available — stop paying fees on every sale
- Transparent pricing, no hidden markup, no long-term lock-in
- Real humans on the phone, 7 days a week
- Guaranteed capital approval after 1 week — grow on your schedule
What you get
PayMullet
Typical processor / bank
Time to capital eligibility
1 week
6–24 months of history
Credit score check
None
Hard pull, 650+ typical
Approval
Guaranteed*
Weeks, often declined
Funding speed
Same day
5–30 days
Repayment
Automatic, from sales
Fixed monthly payment
Who answers the phone
A real human
A ticket queue
Switch & unlock capital
Fields marked * are required. Estimates are fine.
You're in — we'll call you shortly.
A PayMullet specialist will reach out at the number you provided, usually within one business hour, to start your switch. Can't wait? Call (855) 604-2350.
Straight answers before you switch.
Is approval really guaranteed?
Yes — once you've processed with PayMullet for one week and your business hasn't had a bankruptcy in the past 3 years, you're approved for a capital offer sized to your card sales. The amount depends on your volume. All loans are subject to final approval.
Will this affect my credit score?
No. There's no credit score requirement and no hard credit pull. Approval is based on your processing history with us, not your personal credit.
How does repayment work?
A small, fixed percentage of each day's card sales goes toward your balance automatically. Slow day, smaller payment. Busy day, you pay it down faster. There are no due dates to track.
How much can I get?
Offers are sized to your monthly card volume — typically up to about one month of processing. A business running $35,000 a month in card sales, for example, could see an offer in that range after the first week.
Is switching processors going to shut down my checkout?
No. We ship pre-programmed equipment, run the cutover alongside your current setup, and switch you over with no downtime. On qualifying accounts we also cover early-termination fees from your old processor.
Do I have to take the capital if I switch?
Not at all. Switching gets you better processing on its own. The capital is there whenever you want it — this month, or before next year's busy season.
Get funded. Grow faster.
Switch your processing to PayMullet this week and unlock guaranteed capital approval after just one week of sales. Same-day funding. No credit score required.
To qualify, the business must not have had a bankruptcy within the past 3 years. All loans are subject to approval. Capital products powered by Jaris.