2025 square loans

[Arminius]

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

[Twpchair]

Hopefully, very soon! Good luck they are moving. 

[Abby_M]

Hi @SPPhotography1 

Thanks for posting on the Seller Community.

We appreciate your loyalty when choosing to partner with Square for your past business loans. Keep in mind all loans are still subject to credit review.  I will share your concerns with the rest of the Square Financial Services team. Please know that we’re constantly working to improve our products and services based on the feedback we receive from customers. Also it looks like a member of our credit team have reach you out recently, please refer to that email for further information. 

Please contact us directly if you have any other questions.

[Paulynne]

Hi everyone. Update: I received my 16tb loan about 3 weeks ago at about 74%. The amount was the same as the last loan. 

[Koleen1234]

Thats great! So happy for you

Good to hear they are handing them out 

[Twpchair]

Congrats!!!! There has been a lot going on this past week. 

[stanleycourtney]

I have had about the same amount of loans. I recently opened 3 stores and each have their different locations.. My main 1st location is 77% and I’m nervous!! It is all in the green with 170k in sales so far this year… Is the algorithm still working? All is green down the board. Although my loan hasn’t been huge I normally always get an offer by now. 

[Twpchair]

The last 2 weeks it has kicked out a bunch of offers finally. After a long holiday it tends to late wed or Thursday before things get back to normal. If people honestly remember the last 2 summers were long and few and far between and then boom Aug/Sept they came rolling out and didn’t really slow down until around late April. The algorithm is working hard right now. Good luck and hopefully by this weekend you will have an offer! Fingers crossed here for you

[Koleen1234]

Hopefully we all need it! Good luck everyone 

[Twpchair]

Yessss! Let's keep this rolling!

[stanleycourtney]

Hopefully. I have had loans since 2022! I don't know? I really wished they would make it more clear- I recently opened 2 new locations. All process through square but my main location is now 80% paid off and all in the green!! Nothing has been offered and normally I always have an offer by now.. I really wished it was laid out like here is what you need to work on instead of the automated response of we check it everyday lol 

[Koleen1234]

I completely agree with you. I know clover automatically offers at 66% 

Unknown gets so frustrating when we as business professionals needs capital 

[stanleycourtney]

I have heard very good things about clover... I have just been with square for so many years now.. I like Square I just wished they were more straight forward with their loans.. dont put things in the good if they arent really good and affecting your eligibility lol 

[Twpchair]

You and everyone else. The old days of pre-COVID and that almost guaranteed a 75% loan offer is done. All summer actually this would be the 3rd summer rough really bad. Then comes late Aug/September and boom off it took again all sorts of ranges from 60s-paid off. Keep swiping every day, increase the swipes if you can and promote and get in new customers. Those are key and a healthy business. Please keep me posted ok. 

[Abby_M]

Hi @stanleycourtney 

Thanks for posting on the Seller Community.

While you are not currently eligible for an offer, your account is automatically reviewed daily to determine eligibility. New offers are not automatically extended when a certain percentage of an existing loan is repaid, offers are based on many factors, including, but not limited to, your current payment processing volume, your customer mix, and your Square account history. 

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

[Abby_M]

Hi @stanleycourtney 

Thanks for reaching out!

We routinely review eligibility of our sellers for a Square Loan offer. Keep in mind cannot promise a loan offer, even where all of the factors on the eligibility page are “Good.” It’s important to everyone that lending through Square is done responsibly. We know your business is important and we don’t take that lightly. We want you to be successful and we support your future growth. If you become eligible, you’ll be notified directly on your Square Dashboard and via email. 

If you have any other questions, please feel free to contact us directly!

[Twpchair]

Yes, loans are going out daily. It's nice to see you again! The metrics hun are more of a tool for us to use to see how we are doing, what needs work, etc, and right now it's key to watch your daily swipes, the volume, or dollar amount of each swipe. Also new vs return customers. All of these are key indicators of a strong healthy business. Square still takes into account your past history and how long you've been working with them. It sounds like all is going good. They are going out, so just keep those cards swiping and that algorithm will do its job! Good luck and fingers crossed!

[Twpchair]

Congrats! I believe you are number 12 unless I missed any with all the threads this week! Thank you so much for sharing, it truly does help others see that yes loans are going out and in fact they have picked up.

[Twpchair]

i did and it was 3 times higher. My sales have increased by over 4 times over the past 3 years on track to beat that 16 loans the algorithm has your stats. PI couldn't see if you said it was higher, Lower or the same 

[Thetattooshop23]

Does anyone know once your account is reviewed and you get an offer does that offer show up automatic or could it take a few hours to show up in the dashboard? just for example if your account is reviewed on 10/13/2025 @ 2:15pm does it show immediately in the dashboard or would it take a few hours to show.  

[locksmithnick]

No, I don’t think it’s immediately after the review. My offer came in about 12 hours after the last review update. 

[Twpchair]

All of mine came later that evening. I usually update around 1-2 pm, and my earliest offer, I believe, was around 6pm.