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 

[BanbaCreations]

I did get an offer today! A little more than my first one - but my loans are still under $1000 - I just started the business this year and didn't switch to Square until May. Hang in there!

[Twpchair]

Welcome!!! Congratulations 🎉 it must have been a busy day for Square today. 

[CTC95]

Still waiting for my day 😭 at 66% paid on a very large loan, probably my 12th or more with Square. Mine usually come mid-60s to mid-70s but with the holiday season here and expansion on the horizon for us, it would be so helpful now.

[kacey_k]

Congratulations!

[beautyspabrow]

Just received an offer 88% paid , came out after the update for the day. My offer is HALF of what I got in March, from 38,000 to 17,000. My sales have been up since March always green, I'm very disappointed this will be my last loan with Square, just wanted to update everyone.

[beautyspabrow]

I also did instant deposit but have not received anything yet it's been 30 minutes. Has anybody chose instant and not got it the same day? 

[MPAV]

CONGRATS ITS STILL BAFFLING to me though how people are getting offers at 86 88 74  percent loan completion but then there are accts like mine that have been paid off for months that never get offers at all it just so dumb.

[Ralphael84]

Have you had charge backs ?

[MPAV]

No charge backs no disputes no anythjng negative...

[Ralphael84]

Wow that's disheartening to hear, hopefully they get it together for you ASAP.

[DHVAC]

Same here. I paid 4 loans in a row off early, and have been waiting 3 weeks now for another offer. Its really a insult to their good customers.

[kacey_k]

I chose instant and mine was in my square balance within 15 minutes max. No rhyme or reason 

[Twpchair]

I am sorry 😫, the only good thing is that things are moving. I was waiting to see if the one who posted yesterday, who was letting the 1/2 offer go, posted again to see if it increased. I am sorry, I hate it for anyone. Been there, done that. I do hope that what you received helps. 

[kacey_k]

Mine was the lowest too! But congratulations!!!! 

[Cafegripons]

100% paid off and still no offer. 

85% to the other and no offer too 

congratulations to everyone who got an offer ..

[MPAV]

Im right there with you but i cant even see eligibility factors in  my acct h haven't been able to in over a year in support won't help fix it so I'm just stuck it sucks.

[Ralphael84]

Wow that's weird I can still see my eligibility factors ??

[MPAV]

YEAH ive tried.phone support tried calling loan people on phone, banking people on phone, community forums, email, have tried escalating support tickets to management and never get any teply to why I cant view that information anymore last person said it was due to my current activity that I cant view my current activity I was like I cant view my activity metrics because of my activity WTF does that even mean. At this point Im about to just say fu^7 it and go with a different processor as it shouldnt take over a year to get a simple question answered but here I sit over a year later still asking daily and still not 1 reply that is actually related to why I cant view the eligibility factors in my acct anymore it sucks. 

[WalleFightShop]

Another Decent day in sales no new loan… SQUARE PLEASE GET ON IT

[Twpchair]

I'm watching for you too!!!

[WalleFightShop]

Thank you! Hopefully i get something later tonight, i dont really know how the algorithm works but we can just wait and hope!