Prepayment with reconciliation — Japan‑based seller asking about re‑offer timing (8 business days si

galctico8 — Sat, 02 May 2026 01:38:22 GMT

Hello everyone,

I’m a Japan‑based seller using Square Loans / Square Capital, and I’m hoping to hear from others who may have had a similar experience.

Recently, I made a manual prepayment through my Square Dashboard to pay off my current loan.
On the following day, I processed normal card sales, which caused the automatic repayment to overlap with the prepayment, resulting in a small reconciliation / overpayment adjustment.

After that:

The loan status moved to Completed
I received the loan completion confirmation email
My Eligibility metrics are currently all marked as “Good” in the dashboard

As of today, it has been 8 business days since the loan completion date (U.S. business days), but I have not yet received a new loan offer.

Since my business operates in Japan, I understand that timing can sometimes look different from a U.S. seller’s perspective (time zone, evaluation windows, etc.).
I’ve also seen posts from Square Champions mentioning that when a manual payment is involved, it can take 7–10 business days before re‑evaluation begins.

I wanted to ask specifically about sellers who had:

A manual prepayment
Reconciliation due to overlapping automatic deductions
A quiet period after loan completion

If you experienced something similar, how many business days did it take before a new offer appeared (if it did)?
I’m not looking for a guarantee or prediction — I’m simply trying to understand real‑world timelines from sellers with comparable situations.

Thank you very much for your time and insights.

Re: Prepayment with reconciliation — Japan‑based seller asking about re‑offer timing (8 business day

Elovesu — Tue, 23 Jun 2026 12:36:12 GMT

It does take the 10 business days. Maybe 1 day after you’ll receive the offer.

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Prepayment with reconciliation — Japan‑based seller asking about re‑offer timing (8 business days si

Re: Prepayment with reconciliation — Japan‑based seller asking about re‑offer timing (8 business day