Solved: Re: December 2025 Square Loans

beautyspabrow

This is my 18th loan with square, these loans have helped build my business tremendously since 2019. my lowest offer being 2100 to now paying off my highest of 38,900 - 80% paid off - always early pay off before the due date metrics.. I know the usual square verbiage "no guarantee of an offer, must be 3/4th paid for any hopes" etc.. just wondering if anyone please in similar shoes as me, has seen an offer in December yet? I desperately need this holiday boost , all metrics green and I could almost swear id have one by now .. usually I hit from lowest 54% to highest 87% but majority have been BEFORE hitting 80%... getting anxious. Anybody getting a loan recently?

Abby_M

Hi @beautyspabrow

Thanks for posting on the Seller Community.

We appreciate your loyalty when choosing to partner with Square for your past business loans. We understand that not being immediately eligible can be frustrating, but we are unable to override the automatic review process. Offers are based on many business factors including, but not limited to, your current payment processing volume, your customer mix, and your Square account history. At this time, we can’t predict if or when your business may be eligible for an additional Square Loan. At this time, we can’t predict if or when your business may be eligible for an additional Square Loan

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

Abby_M
Square Loans Team
Sign in and click Mark as Best Answer if my reply answers your question.

This is a service email from Square Financial Services, Inc., a wholly owned subsidiary of Block, Inc. All loans are issued by Square Financial Services, Inc, a Utah-Chartered Industrial Bank, Members FDIC.

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Hope88

Paid off 2nd loan with Squate on October 28 and still no offer. All metrics are green. Been patiently waiting on an offer. Hopefully it will come soon as this has helped my business out as well.

kacey_k

Still no offer? Please keep us posted. I know loans 1-3/4 usually take the longest while the algorithm learns your patterns however I see all kinds of different things. My 3rd offer came in at 58% paid for my 2nd loan. There is sadly no rhyme or reason!!
I’ll send out all the positive jujus for you (and me 😉

Square Champions Expert and member of the Square Champions group. (But NOT a Square employee, just a seller like you) Was my post helpful? Take just a moment to mark it as a solution. Marked solutions help other sellers find possible resolutions to similar problems.

Kemonroe

I received my last loan when I had the other 48% paid off July 2025. I’m at 50% paid off now on the current loan and I’m waiting too.

kacey_k

My 2nd loan came in 20 days after I paid off my 1st loan and then outta nowhere at 58% my 3rd offer (current) came in. I’m currently sitting around 85-88% was off for a week due to holiday and sickness so it’s got me now in dreaded “needs improvement” metric 😩

Square Champions Expert and member of the Square Champions group. (But NOT a Square employee, just a seller like you) Was my post helpful? Take just a moment to mark it as a solution. Marked solutions help other sellers find possible resolutions to similar problems.

Hasay

I’m at 86 % paid on a 31k loan and still no offer I have had about 12 loans with square and it sucks waiting hopefully we will get an offer soon!!

beautyspabrow

Still waiting also. I really don't think square is giving out offers! I am praying someone updates this feed to prove otherwise my business really needs the help

kacey_k

I’m currently at 85% or maybe it’s 88% now anywho paid off on my 3rd and largest loan to date and really hoping to see one this month. My inventory is low and Christmas bundles I like to sell aren’t cheap to gather. Here’s to us getting an offer soon 🤞🤞

Square Champions Expert and member of the Square Champions group. (But NOT a Square employee, just a seller like you) Was my post helpful? Take just a moment to mark it as a solution. Marked solutions help other sellers find possible resolutions to similar problems.

kacey_k

Guessing by the username you’re in the beauty industry as well? Right now I need an offer so bad cause Holiday time we need to stock up on inventory. I don’t know about you but the thought of tax time coming soon has me sweating!!! The once a year wild hair colors 😳 Praying my offer is in before that cause imma need it and a vacation.
please keep us posted!!!!!!

Square Champions Expert and member of the Square Champions group. (But NOT a Square employee, just a seller like you) Was my post helpful? Take just a moment to mark it as a solution. Marked solutions help other sellers find possible resolutions to similar problems.

beautyspabrow

No offer yet sitting at 81% now, over 1k days all week yep we're a waxing salon ... I'm getting so distraught

Hasay

Any offers yet? I have not had any yet!!

beautyspabrow

Nothing

kacey_k

Nothing for me as well

Square Champions Expert and member of the Square Champions group. (But NOT a Square employee, just a seller like you) Was my post helpful? Take just a moment to mark it as a solution. Marked solutions help other sellers find possible resolutions to similar problems.

kacey_k

Every loan (3) I have gotten was on a Saturday night. From what I see in the loans forums is there is no guaranteed time/day etc.

Square Champions Expert and member of the Square Champions group. (But NOT a Square employee, just a seller like you) Was my post helpful? Take just a moment to mark it as a solution. Marked solutions help other sellers find possible resolutions to similar problems.

Kemonroe

Nothing for me yet either

Lemoncircle

Not to get anyone’s hopes up, But i just received an offer. Only 62% paid off. last time i didnt get an offer until i was in the 90ish percent paid off. This would be the 4th paid off, now 5th loan in total so far. This one was about $4,000 higher than the last.

beautyspabrow

Did you just get the offer today Saturday?

Lemoncircle

Yes. Offer, Application, Approval and deposit today.

beautyspabrow

How did you get deposit today?

Lemoncircle

Im not sure, I was actually shocked i even got an approval today to be honest. Last time i got an offer on a Saturday, it didn’t process until Monday.

beautyspabrow

Did you use the square checking account / square balance or your bank account?