2025 square loans

[Arminius]

85% paid off all green and still no offer, does any know what's going on 

[Twpchair]

Any updates??? 

[kacey_k]

Nothing unfortunately 

[Twpchair]

You have to be paid off completely now? I am hoping that spike will kick it in. I just try to remember in the back of my head as I am looking for my offer naturally, that so are people all over the world! I follow trends and you are breaking all those. So that's great. IMO it's just got to pick up on that with the algorithm. It stinks I know and that is why they say no guarantee if or when. It's taking in data daily and you do update regularly correct? Mine is 1- 3 pm daily. Sometimes Saturday and Sunday an hour later but I update. Make sure you are and if you are it has to pick you off. Usually, a big spike in sales will trigger it. Other factors do as well. 2nd and 3rd loans are the ones that are trying to find the right size offer for your business. You are going on close to a year and it is time you start to go up in offers to match your sales. I myself only am not stressed about if part you are rocking it! It's just when it will be and I would think soon. Especially, if you keep pushing out those numbers. After loans 5-6, they seem to run more smoothly and consistantly has yet to be determined. The old days are gone and they are sticking with the higher percentage paid back pretty tightly. 

[kacey_k]

What do you mean update? I know around 9:30pm daily I get email about my day and loan payment etc. 

[Twpchair]

Congratulations!!! I know more would have helped but at least I haven't seen the summer and early fall numbers like half the offer of the last. It varies from 1k and up but at least up! Congratulations again and thank you for updating your offer timing and increase. It does help 

[allisonb_23]

80% here and all is green. 

[ianssoph]

I’m all green as well at 82% but we have had snow and ice this month that brought my yearly percentages down as opposed to 2024 so I was wondering if that was why I haven’t been extended an offer. Who knows at this point though.

[Arminius]

That could be a possibility. I was close almost 2 weeks beginning of January because of snow and bad weather . But people are still getting theirs is just everyone is saying it seems like it has shifter offers between 85% and 90% . But in reality we all are not sure at the end of the. Hope you get yours soon 

[Twpchair]

Anything yet? What % are you? Checking in to see where everyone is at 

[Twpchair]

Checking in on those so close! Anything?

[kacey_k]

I will be at 100% by Saturday this week because I have a very busy next few days with several color appointments so hopefully once I’m paid off at 100% I will FINALLY get a offer 

[Infusion]

So, I had ~$693 left to pay on current loan.  I decided to pay it off on 2.20.  Hoping & thinking that if it can take up to 10 days from paying a loan off, then hopefully by March 1, Id get an offer..  Square loans had my payment "pending" until 2.26.  Square loans has my loan paid as of 2.26.  Today is 3.2 and no offer.  I swear things have changed with square loans.  I just pray that since I always pay off the minimum way before its due and that my income via cc has increased, and that I've been with square for ever that I get a new offer soon!

[Twpchair]

Up top, I believe that the criteria for loans some of the wording has been revamped. The good ole days of 70% range is lower on average it is about 80s-90s% but I have a few on the regular loan page 2025 I believe that is 100% paid off 2-3 weeks now too. Of course, you know the golden rule of no guarantee when or if. This is just what I do whenever I make a big payment or pay off I do it around 60% just because 2x I did in at or around 87 and 85% and like you I did understand the 10 business days and 1 fell in with a federal holiday. I would have been paid off if I waited. One took 2 days after it cleared paid off on my dashboard and the other took about 3 weeks to get an. Offer. Those 2 were prior to having the metrics then. I then switched my payment or paying off to around 60% and then through the process I usually landed around the mid-80s. That's just my experience with paying off or down. I still do it but now at 60% I pay half give or take and I still average mid 80% and then the algorithm takes over. I know this past week a lot of people who were waiting received loans and they were in the upper 80s to mid 90s. For those who come on the forums at least. Good luck and hopefully it will pick you up soon! 

[Twpchair]

Any updates?

[Arminius]

Yes I have received an offer 2 days ago , and it was 10000 less had no choice but take it . Little bit surprised I sure was expecting same or more . 

[Infusion]

GM!  No new updates.  I had amazing Nov/ Dec/ and Jan & Feb were also pretty good...all those months were above the same months previous year/time same months....so I don't know why I haven't received a new offer.  Paid off on 2.20. they show 2.26 as mentioned before....hope I get an offer this week....would be great for business!

[Twpchair]

Before the storm metrics dropped as fast as the snow the loans were daily on here and up. Now, I am lucky to see 1 (post here at least.  And it hasn't been good. Also, a lot of people miss the last section of the updated or new verbiage for the loan criteria. The economy and overall health of it. Also, the stock market comes into play. It's been pretty steady on the whole with a few high spikes. Stockholders tend to hold tight and hold that money tight. It's not just in the United States but worldwide. We could be banging it out here but 2 wars going on and multiple countries having or will have elections play a favor. Also, the first part goes into why the higher % to paid off. They said that way you are getting the most out of your offer than losing 20-30% in rolling over that much. Most missed that one also. Of course, as we are all different and process differently you do see a handful of 60-the 70s here and there but on the whole, it's around the upper 80s- to mid 90s. Good luck and hopefully today was your day!

[Twpchair]

Anything yet? Unfortunately, I have seen from 2 days after posted and paid off to a couple of months and finally an offer. It's been a rough week of approvals. At least for those who post here. 

[Robgrey]

I still haven't received a new offer!  This is going to be a busy week for me.  So lets get these offers rolling!

[Twpchair]

I'll 2nd that!

[Twpchair]

Any news?