thread Re: Have the loan terms changed oct. 2025 in Banking With Square

Have the loan terms changed oct. 2025

Premierhms — Thu, 16 Oct 2025 20:16:31 GMT

I received a new loan offer but is only for a term of 60 days not the 18 months. And it also states that the noon loan amounts are anywhere from 100 to 10,000 not the $350,000 that stated on the main loan page . I attached pics can someone please explain? Also the loan amount is the lowest I've ever gotten in 10 years and 15 loans even though my credit card sales and processing and volume and customer mix are all way higher than they ever been

Re: Have the loan terms changed oct. 2025

Hineshospitalit — Fri, 17 Oct 2025 17:12:53 GMT

It looks as if you were offered one of the new micro loans through Square Checking. They apparently have 2 different types of loans now

Re: Have the loan terms changed oct. 2025

Sammie_C — Fri, 17 Oct 2025 19:53:56 GMT

Hi @Premierhms, thank you for your post! I understand your concern.

We do have different types of loans that we offer, and this particular one you screenshotted does appear to be one of our new Loans that we are piloting.

To make sure we get you all the correct information, I am going to tag in a few of our experts in Square Loans. @marielmt and @Abby_M, do you all have any insight you could shine on this Seller's inquiry?

Re: Have the loan terms changed oct. 2025

Sammie_C — Tue, 04 Nov 2025 23:37:04 GMT

Hi @Premierhms, I wanted to check in on this again.

Square Loans are customized based on your business’s recent processing volume with Square.

Some offers may look a bit smaller than offers you’ve received before. That’s because we have designed some loan terms as short-term capital meant for immediate business needs like paying bills, buying equipment—whatever you need to support your business. This type of offer also has a shorter term length of between 1-4 months, which is tied to the smaller loan size. Please check your Square Dashboard to review your offer details.

Keep in mind, we cannot predict if or when your business may receive a higher offer. If you choose to not move forward with this offer, your account will continue to be evaluated for loan offers and we may send larger offers as your business grows.

Please let me know if you end up having any other questions.