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?

[kacey_k]

Thank you!!! 

[Lizallucy]

You’re welcome! The stress that comes with not knowing if you will get another offer or not is awful. I hope square can help everyone by offering a more detailed answer for the user. 

[CTC18]

65% paid on my largest loan with Square ever. I believe somewhere around my 15th loan with them. Sometimes they’ve come in way early, but usually by the upper 70s. I’m getting antsy.

[beautyspabrow]

sorry to hear that I am on the same boat! I am praying square sends something today!

[Bbonhage]

Same here. I’m at 67% and if all goes as planned this week I will be in the 70s. All indicators are green and never had a dispute. This is my 3rd loan with Square. My last 2 loans were at 40%-50% when I got a new offer. Hopefully I will see something soon. Really could use the help during this season. 
I really enjoy Square as a company but it’s a bit discouraging to hear so many companies are waiting for assistance. I wish they were more transparent about their process so we could plan accordingly. Good luck everyone❤️

[beautyspabrow]

I hope for the same. I have been a square customer for 7 years, these loans have been a blessing to the point I haven't needed additional funding. I wish square would atleast populate the loans for return customers at the same time every time. I understand waiting until 100% for new businesses, but not consistent loyal always in the green businesses. 

[selectorseattle]

Wondering if other people are checking 5-8 times a day right now like I am to see if that offer came in...

[beautyspabrow]

I think I've checked 11 times today your far from alone my nervous system is shot 

[Bbonhage]

I’m pretty sure they check it once a day like the time on your dashboard with loan eligibility. Mine is normally between 1pm-2pm.

[kacey_k]

Mine is always around 2-3pm, I’m telling ya we all should be soon! 

[MJM33]

You're definitely not alone. 

[Hasay]

I’m at 90% paid and like my 12th loan never have I waited this long for an offer.  Hopefully something will come up this week.  

[kacey_k]

Wow I’m kinda shocked at this. Your metrics I assume are all in green and up and up? 

[Hasay]

I’m also everything green and I will be paid off in less then a year from my original loan… just sucks but I guess can wait it out or get a loan with my credit card

[selectorseattle]

Monitoring this thread, looks like the last day that someone in this post said they received an offer was on Dec. 6th.

If anyone that's chimed in here so far gets an offer, will you let us know? I'm at 87% paid off, I haven't officially given up hope, but have decided to let it go and say I don't need it. Reverse psychology for my own sanity. I wonder if Square reaches a maximum amount they will offer out on loans in a given year, and it being close to the end of the year, well, here we are, who knows...

[MJM33]

I’ve been paid off send I think November 23rd. Just taking it a day at a time.

[kacey_k]

What # loan did you pay off? 

[MJM33]

Number 3. The first one I paid 100% and got an offer in the next 5 minutes. The second time as soon as it hit 75% it sent me and offer. 

[kacey_k]

I’m on my third loan as well, and they say that you know high numbers or what ping the algorithm But I don’t think anybody really knows because I got my second loan offer at 100% paid off and my third loan offer came in under 60% paid off and that one my sales were down it was during the summer and now my sales are pretty consistent for the most part except for I took a week off so that probably screwed me as of today. I am 92% paid off

[kacey_k]

I’ve been monitoring it as well and if others are getting loans they aren’t posting or even know this forum exists. I’m currently 83% paid off on my 3rd loan and will be at 100% by Saturday. Only time it’s taken this long before was between my 1st-2nd loan. I’ve been wanting to go down to 2 days a week so I just chalked it up to maybe the universe is setting me up to be able to do that by paying this loan off in full 😂

[beautyspabrow]

Exactly how I feel well atleast if I don't get this loan I'll be closer to being debt free lol