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?

[Hasay]

No nothing for me yet I’m shocked to be honest 

[BanbaCreations]

Hi, new here but I've been stalking this thread hoping for some good news. I paid off my first loan this week - no other offers. All of my stats are in the green - but my sales numbers have been lower since October. Every other vendor I talk to says theirs have been down too this year. Perhaps that's why Square is offering fewer loans? Spending in general is way down this year. 

[Abos10]

Hello! New here. Ive been watching this thread since it started. Im patiently waiting. Im at 82% now and I've normally gotten an offer at 75% or just over, and nothing yet. My numbers and everything are good. Just paying it down. Hoping to get something before Christmas. Fingers crossed! Good luck everyone, and congratulations to those who have received an offer.

[beautyspabrow]

Anything yet?

[beautyspabrow]

Sadly nothing yet I believe only two people have received in this feed it is so very discouraging wow 

[Srachurros]

I’m 96% and no offer yet. And we are on our peak right now because my store is inside the mall. The algorithm is really interesting. I’ll let yall know if I will get some offer. I think I will paid this loan off today or until tomorrow 

[Hasay]

Just an update I got an offer today I was at 92% paid this will be my 13th loan and it’s been exactly a year from my last loan it’s $900 more then my last loan so they are still giving them 

[kacey_k]

Congratulations!!!!

[beautyspabrow]

Glad to hear that congratulations 

[Hasay]

Thank you hopefully yours is coming but I honestly never waited this long

[asecondpeek]

78% and patiently (trying anyway!) waiting so I can start an expansion! May 2026 be the best year yet for all of you 😊

[WalleFightShop]

Im at 73% on my second loan, patiently waiting on my 3rd offer all metrics are green and im way ahead of schedule on paying it back, ive been selling like crazy since the month started but Nothing yet. Any advice?

[Srachurros]

99% and still no offer. It’s my 1st loan 

I paid it off in less than 2 months. 
Anyone got any offer recently? And congratulations to those who got their new offers 

[MJM33]

I’m bombed I haven’t gotten an offer. I’ve been paid off for almost a month. I really thought today would be the day. 

[Srachurros]

If you don’t mind me asking. How’s the sales? Cause some people says that if it’s slow.and sales are down. Probably it will affect the offer

[WalleFightShop]

Ive had great sales for my business, so It doesn't make sense to me why they wont offer me a loan. My metrics are green and im 74% done on a 18 month term loan in less than 5 months. If they would offer me loan i would honestly get so much inventory, that would more than likely triple my sales. I know someone who sells half of what I do, and got a loan offer a few days ago!

[beautyspabrow]

Your not alone, I've been getting these loans for years sales are up every thing green, I'm at 88% with no offer in sight 

[Srachurros]

We have another locations 

recently got an offer dec.1 on 81% 

 another location I have it’s paid off 100% since August and never get no offer again. 
given that it’s slow on that location. 

the algorithm is so confusing.. 

maybe because it’s December too every one are needing some fundings