thread Re: November loans 2025 in Banking With Square

November loans 2025

CDVbarba — Fri, 14 Nov 2025 09:39:57 GMT

Has anyone received any loan offers recently ? I’m 69% as of today and have yet to receive an offer. I usually get mine around 60%. I’m curious to see if they are offering loans out right now. It’ll help out business out tremendously right now

Re: November loans 2025

Minion — Fri, 14 Nov 2025 11:15:26 GMT

Hey @CDVbarba

Yes Square is still offering loans. Looking through all the loan threads here you can see that most sellers (that are posting) are getting them at a much higher % paid back. 69% paid back is still a very low % paid back from what looks to be mid 80's plus. To not sugar coat anything for you or give you any false hope , I wouldn't count on receiving one until another 15%+/- is paid back.

It's better to plan for not getting one and receiving one, than the other way around.

Re: November loans 2025

RADFITNESS — Fri, 14 Nov 2025 16:28:48 GMT

I'm at 77% paid back, and still waiting also. Hoping I get an offer today. Dan, I see a lot your posts about the loans and you make great points. If you have any influence, could you get Square on board with publishing a newsletter about the loan climate? Most of everyone is only frustrated because in the past they were rewarded when paying off the loan at 75%+ . If you give a dog a treat for sitting, next time they sit, they are going to want that treat.

Re: November loans 2025

Abby_M — Fri, 14 Nov 2025 17:29:27 GMT

Hi @CDVbarba

Thanks for taking the time to reach out to us.

New offers are not automatically extended when a certain percentage of an existing loan is repaid, but your business may become eligible for a new offer when your existing plan is closer to being repaid. We can’t guarantee that another offer will be extended before or after the current plan is complete. While you are not currently eligible for an offer, your account is automatically reviewed daily to determine eligibility. Offers are based on many factors, including, but not limited to, your current payment processing volume, your customer mix, and your Square account history.

Please contact us directly if you have any other questions.

Re: November loans 2025

kacey_k — Fri, 14 Nov 2025 22:57:38 GMT

I’m currently at 80% higher tonight and nothing. My second loan came in 20 days after paid off and my 3rd (current) came in under 60%. I’m not even anticipating until I’m paid off.

Re: November loans 2025

kacey_k — Fri, 14 Nov 2025 23:00:29 GMT

I have to agree with @Minion on this one! My 3rd (current) shocked me when it came in under 60% I’m currently at 80% and not even expecting until MAYBE next weekend or after.

Re: November loans 2025

kacey_k — Fri, 14 Nov 2025 23:01:40 GMT

@CDVbarba @welcome to the community!!! Just noticed this was your first post!!

Re: November loans 2025

Shen1221 — Fri, 14 Nov 2025 23:47:10 GMT

I am at 77%, and no offers yet. The last time I was at 63%. Just very frustrating not having any consistency with their process

Re: November loans 2025

Minion — Sat, 15 Nov 2025 01:30:30 GMT

@RADFITNESS wrote:
I'm at 77% paid back, and still waiting also. Hoping I get an offer today. Dan, I see a lot your posts about the loans and you make great points. If you have any influence, could you get Square on board with publishing a newsletter about the loan climate? Most of everyone is only frustrated because in the past they were rewarded when paying off the loan at 75%+ . If you give a dog a treat for sitting, next time they sit, they are going to want that treat.

I appreciate the feedback @RADFITNESS .

I could definitely pass that on for sure! I think Square's loans are good, however I have never liked the fact of when they offered another loan at 50-80%. Sure the amount is larger, but that is because literally half of that is paying off the original, and then its just a vicious cycle of payday type loans. I wish they would completely overhaul the loan program to be that you will possibly become eligible once you paid it off 100%, That way other sellers are not planning and guessing when/if a loan may come in. They know that it has to be paid off 100% in order to considered for another one and that is not guaranteed. I'm sure it would be pretty hard for some sellers in the short run, but in the long run I think it would truly be the better route to go.

I will definitely pass on the request, I think it's a great idea! @Abby_M

Re: November loans 2025

Hasay — Mon, 17 Nov 2025 14:37:05 GMT

Did anyone get one this month at 80% paid ??

Re: November loans 2025

Hasay — Mon, 17 Nov 2025 14:39:11 GMT

I have not and at 80% paid

Re: November loans 2025

Tamara3 — Thu, 20 Nov 2025 03:42:29 GMT

Agreed I’m at 81% this is my 4th loan this year with square and I have had a total on 9 loans in 9 years. I’m only 3 months into this loan.

Re: November loans 2025

Tamara3 — Thu, 20 Nov 2025 03:40:46 GMT

Same here im a 81% paid in 3 months my sales have increased 25% in 3 months and 210% for this year and all green metrics this is my 4th loan this year because I’m paying them off in 2-3 months but this year all my offers came in before I hit 70%

Re: November loans 2025

Tamara3 — Thu, 20 Nov 2025 03:40:25 GMT

It’s crazy right?! Same here I’m at 81% paid in 3 months my sales have increased 25% in 3 months and 210% for this year and all green metrics this is my 4th loan this year because I’m paying them off in 2-3 months but this year all my offers came in before I hit 70%

Re: November loans 2025

Tamara3 — Thu, 20 Nov 2025 03:35:45 GMT

Re: November loans 2025

Shen1221 — Mon, 17 Nov 2025 15:33:06 GMT

Basically the same here! All categories green, 78% in 3 months time! A loan right now heading into the holiday season would be great but nothing except the daily review and that great ineligible status . And I took one day off from processing a payment and went from green to needs work, that’s just crazy to me!
My daughter gets loan offers constantly thru her Shopify that she uses for her business, way more offers and amounts than I have ever received thru square !

Re: November loans 2025

Tamara3 — Thu, 20 Nov 2025 03:39:43 GMT

This year I was offered loans so early in the 60-70% range and sales are up 239% this morning for 11 months I just checked and nothing.

Re: November loans 2025

Hope88 — Mon, 17 Nov 2025 20:13:20 GMT

I’m currently at 100% paid with my 2nd loan and nothing either. It’s also been 20 days since paid off.

Re: November loans 2025

kacey_k — Mon, 17 Nov 2025 20:38:18 GMT

I was at 22 days from paid off on my paid off loan for my first one

Re: November loans 2025

KR9 — Tue, 18 Nov 2025 15:05:30 GMT

Hi am done paying off my loan no offer yet