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?

[Kemonroe]

What drives me crazy is how there is literally no rhyme or reason. Last loan was my 4th & I got the offer at 48 %. Now I’m at 51% just waiting for who knows how long 

[kacey_k]

Kinda same for me…my 3rd offer (current) came in under 60% and now at 91% and will be paid off this week for sure and nothing! 

[Hasay]

I have had so many loans with square and love square but have never had to wait this long for an offer I’m at 89 % paid on a 31k loan and it really sucks not knowing .  Everything green and still no offer 

[kacey_k]

I will stand firm when I say I wish Square did offers after 100% paid off!! I hate inconsistency more than anything and not just square loans, life in general. Hopefully soon we will have a more clear idea on loans!! But for now…we are at the hands of the wonderful algorithm 😂😂 

[StevenCheech]

I have always had to finish paying off my loans before new offers arrive. Not sure how you've gotten that ability! 

[Lizallucy]

Hii

im currently on my 4th square loan. I was in the same boat as you all with waiting and wondering . I received my offer when I was 83% paid off on my existing loan.  Usually I got offers at 75%. This loan was much lower than my previous loan .. but I was happy to receive it ! I got the offer on a Sunday . I believe you will all get an offer soon! 🙏  

[beautyspabrow]

Congratulations that's a blessing if you don't mind me asking when did you get your offer?

[Lizallucy]

Thank you.  I got it on December 1st  and I was at 83% paid off on my last loan. **Correction this is my 5th loan. 

[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?