thread Re: Loan offer 2025 in Banking With Square

Loan offer 2025

SHK25 — Sat, 20 Sep 2025 12:15:26 GMT

Has anyone received any loan offers this month? I’m at 76% and haven’t received anything.

Re: Loan offer 2025

Twpchair — Wed, 19 Feb 2025 00:48:43 GMT

Yes! Multiple people post just about every day. It's picked up a bit. What percentage are you at? It's been trending 80s to paid off though for most but not everyone as we are all different and process differently. Of course, you know by now there are no guarantees if or when. Just keep the metrics up and returns and disputes down and hopefully, the old algorithm will pick you up soon! Good luck and if you need anything else or have questions just hit the button there are loads of people who will jump on and help.

Re: Loan offer 2025

SHK25 — Wed, 19 Feb 2025 00:54:47 GMT

Okay. I’m new to how the Square Loan Communith works. First time chiming in today. I’m at 77%. All of the criteria is in good standing and my payback is always paid before time every month. Lord I really need this right now. Things are tight.

Re: Loan offer 2025

Twpchair — Wed, 19 Feb 2025 02:14:21 GMT

Welcome! Right now it's been trending from a higher percentage paid off to completely paid off. Not everyone is or has to be paid off. We are all different types of businesses and process differently from each other. There are and have been a few in the upper 70s last week a 78 and 79%. I understand emergencies, equipment going down, or slow periods. Unfortunately, the algorithm doesn't. The key thing is processing every day, new and returned customers, and the overall health of the business. Are you trending up or projected growth going up? That means business is going great and every year your income is increasing. Please try to stay away from them are disputes 1st and returns and refunds. All of those are good hun its waiting for the algorithm to pick you off. Unfortunately, you already know there is no guarantee or a set number that kicks in an offer. Keep swiping as much as possible!!!! Good luck and I truly hope you get one soon!

Re: Loan offer 2025

SHK25 — Wed, 19 Feb 2025 02:20:41 GMT

Thank you. You were very helpful.

Re: Loan offer 2025

Twpchair — Wed, 19 Feb 2025 14:11:05 GMT

You're very welcome! There are some truly good people here who are willing to help. All we can do is share our experiences and closely monitor trends, considering factors like how busy you were 3-4 days before your offer, and whether your customers are new or returning. That’s what we have—support from each other. The moderators here are amazing and genuinely understand when people are in need of a loan. However, since this is an open forum for everyone, they can't discuss individual accounts publicly, which can lead to frustration. I understand this fully, as I am also a victim of identity theft. Many come here in a state of panic, dealing with issues like a broken pizza oven or a malfunctioning work truck, which can jeopardize their business. All point-of-sale systems use some kind of algorithm, and we can only compare what might have triggered anything that might have kicked it in. It’s not rocket science, but there are definitely trends we can write down and start checking them as people report back. My last 3 offers all came after 3 extremely busy days. 2 times I was running sales and the last one was the first round of taxes hit and I am retail furniture and decor. Friday I updated like normal 1-3 pm 84% I believe no offer. I check my deposit after 5 pm and no issues and the 6:30 pm offer came in. I was guessing from sales that day that 85-87% paid off. 5k higher than the previous offer. I accepted it and 20 minutes later approved and deposit hit about 2pm Monday. No emails at all regarding offers for the last 3-4 only on my dashboard. No email on deposits just me checking my bank. Saturday morning my loan circle all changed to 0 and the previous loan was gone and a new one was up. 8/10 on my list have had a group of 3 or more crazy busy days, big increase in purchases, and new customers. Most that are getting a bigger offer right now are saying that in their reports (mine also) that your project trend for growth has increased mine has shot up about 20% vs previous years. Did this kick it in? I don't know and none of us do but it is all we have to keep posting and keep sharing. After 12 years you get use to that 70-75% boom offer there. Those days are gone! They have been and this is a user to user site to share, get some help. Thank you for reaching out and best of luck to you!

Re: Loan offer 2025

Hairbywill — Thu, 13 Mar 2025 04:43:31 GMT

I have had many loans since 2019 and paid all of them off early and now on my current loan I'm at 86% paid off i owe 600,00 and still no offer. I used to get offers at 80% like clockwork but for some reason this year square is being greedy so I'm not sure if we will get new offers.

Re: Loan offer 2025

SHK25 — Thu, 13 Mar 2025 11:44:23 GMT

I finally received an offer last night. I was at 85% paid off.

Re: Loan offer 2025

SHK25 — Thu, 13 Mar 2025 11:45:33 GMT

I finally received an offer last night. I’m at 84% and was approved in less than 5 min.

Re: Loan offer 2025

Twpchair — Fri, 14 Mar 2025 10:18:48 GMT

It’s starting to move! 7 now in 2/3 days! That’s just who post here! Hold tight ok. Good luck

Re: Loan offer 2025

Twpchair — Fri, 14 Mar 2025 10:20:08 GMT

Congratulations 🎉🎈🎊 I am starting to loose track! If you are 7 or 8 in 2/3 days reporting new offer! 🙌 yes

Re: Loan offer 2025

Abby_M — Fri, 14 Mar 2025 17:49:59 GMT

Hi @Hairbywill

Thanks for taking the time to reach out to us.

We appreciate your loyalty when choosing to partner with Square for your past business loans. Keep in mind new offers are not automatically extended when a certain percentage of an existing loan is repaid, While you are not currently eligible for an offer, your account is automatically reviewed daily to determine eligibility.

Feel free to reach out to us directly if you have any additional questions!

Re: Loan offer 2025

Twpchair — Sun, 16 Mar 2025 01:46:44 GMT

85% -90s seems to be around the average. Of course not all the rare 70s - completely paid off are close to the same. Just going off of the trends and % that post on here at least

Re: Loan offer 2025

Twpchair — Sun, 16 Mar 2025 01:50:23 GMT

That’s awesome! It has been trending higher. Now, you kinda have an idea to just hold tight and remember your last offer for reference.

Re: Loan offer 2025

Brooke34 — Wed, 19 Mar 2025 21:23:35 GMT

No. I'm at 84% and having a very slow week. I could badly use an offer bc my loan is up in June. I would like to start a new one rather then pay a big chunk of this one. I owe $1300 on the loan and 5k in the Square fee.

Re: Loan offer 2025

Jb1983 — Tue, 25 Mar 2025 01:30:13 GMT

usually it triggers the even numbers

wait for the 80%

if not then try to pay cash in pay early

this also reset the algo 10 Business day

then algo works to look urs

Re: Loan offer 2025

Twpchair — Tue, 25 Mar 2025 01:40:43 GMT

Hmm, definitely should be updating every day not 10 days. I tagged the Mod and she is super nice and she will help you out with who or what department you need. What they have access to is beyond myself. Unfortunately, for security reasons and our safety, she just can't go over your issue here on a public forum. Good luck and she will respond back. Good luck with it and hopefully soon one or the other will be picked up soon!

Re: Loan offer 2025

Twpchair — Tue, 25 Mar 2025 01:51:50 GMT

Let me try one more @Abby_M here is one more! I don't know their hours so hopefully one will jump on.

Re: Loan offer 2025

Brooke34 — Tue, 25 Mar 2025 10:55:18 GMT

I'm the same like 85.5% paid off and no offer.

Re: Loan offer 2025

Twpchair — Tue, 25 Mar 2025 11:20:58 GMT

I was around 90/91% in February when my offer came in. Hard to tell exactly. I updated at 1:30 pm that Friday and was very busy. The deposit hit right at 5 pm and at 6:30 pm offer came in and about 20 minutes later approved. Money hit Monday. My sales vs previous sales (same timeframe) were up 55% and transaction and dollar amounts of them were both up 25-35% new customers were also up. No chargeback all year returns nothing all zero. My offer was 3xs my previous offer which was 1k higher. Keys right now are increased flow of the metrics. Your prior history with Square as well. I accepted it ( I don't accept every offer) growth and numbers up equal a healthy business. Trust me, I understand the slow-down times I'm in Michigan and the winter months can be hard. I'm a retail furniture store and we get that boost during tax season and we have been busier than normal all winter long. I am thinking just imo if my numbers are all good but not that big of a spike in all the good areas my offer would have probably been the same as the previous offer. Which makes sense going off of all my previous loans if sales were just good and sales not going up my offers were about the same or 1-3k higher. The slight dip you had might be why it didn't pick you up yet. If you can try to bring those back up and see if that doesn't change not just picking you up but helping with the offer. Good luck and I will be looking to see for you when you receive it. Hold tight the board is moving