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 · Accepted solution]

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 · Accepted solution]

Hi @nyallblacks 

Appreciate you taking the time to post.

Square Financial Services may perform a soft credit check for the purposes of evaluating your business for future credit offers. Please note, this is a soft credit check so your credit score won’t be affected . Please visit our Support Center for additional information.

Don’t hesitate to contact us directly if you have further questions or concerns.

[Mpechlys · Accepted solution]

You can’t change it, soon you swipe thats when they take their fees. It’s automatic 

[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 😉 

[Twpchair]

Any news yet?

[Mpechlys]

Still nothing on my end, processing and swipes are higher than last year dispute factors still says needs work, no new offer as of yet 

[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 😩 

[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

[Twpchair]

It is pretty dry around here, unfortunately 😭 Hopefully something breaks soon!

[Twpchair]

It's looking like a slow start to December 😳 hopefully everyone has updated. Good luck!

[ChefSouthpaw]

Did you receive new offer yet? Im at 86% paid on my 8th loan looking for a new offer

[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 🤞🤞

[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!!!!!! 

[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 

[Twpchair]

It's been pretty slow hopefully something breaks 

[beautyspabrow]

Nothing here yet actually could cry! Lol

[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.