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 

[Tinymoon]

71% paid off on my 5th loan. Still patiently waiting too. 

[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.