Solved: Re: December 2025 Square Loans - Page 11

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

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
Square Loans Team
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This is a service email from Square Financial Services, Inc., a wholly owned subsidiary of Block, Inc. All loans are issued by Square Financial Services, Inc, a Utah-Chartered Industrial Bank, Members FDIC.

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MJM33

I know for Thanksgiving it popped up Needs Work and also this afternoon. Only a hand full of places operate on Christmas day. That should be excused.

Twpchair

Mine popped up, too, and I was closed for half a day for Christmas Eve and Day. We got pounded by the ice storm on Friday. It takes a week, and I usually bounce back. There is a part in our settings for days open and closed. I totally forgot to adjust it this year. Good luck and hopefully soon!

Tammi
Owner of The White Pallet Chair
Square Champion, Expert and Advisor

kacey_k

I actually changed my settings and my hours and it didn’t help me but I can’t speak for everyone cause we all are different.

Square Champions Expert and member of the Square Champions group. (But NOT a Square employee, just a seller like you) Was my post helpful? Take just a moment to mark it as a solution.

NicholeK2

Hi All, any updates? We are at 69% paid off and we are all in the green- have had several loan offers before and all came in at random amounts paid varying from 45-84%. We're opening up our second location this month and it would be so helpful. Was curious if square might be waiting until the new year in general. Anyone with offers in late December?

DHVAC

Nope, nothing.

Cafegripons21

One account was paid off 100% since December 16, we’ve been processing high volume I’ll say more than double but nothing triggers the offer yet lol.

another account is 89% and not so slow but consistent. No offer.

My other location paid off the 5th loan since August and don’t get another offer.

Other location got an offer last end of November and deposited December 1st on 81% highest offer.

one location experienced getting offers on 40% paid off in the past.
now we are on 50%

I have 5 locations in total and square is making it harder to understand..

NicholeK2

5 locations, good for you! Curious what your processing volume looks like at your highest offer location. Also cool if you'd prefer not to to say.

Cafegripons21

Thank you .
I will say my processing was high and that Black Friday sales triggered it.last quarter of the year I’m always busy

it’s weird cause the one that’s busiest don’t get any offer even it’s 100% paid off since December 16

Ptedwards13

Just an update I received an offer this evening for about 1/4 of the loan I got last time and it needs to be paid back within 30 days. Im going to hold off on that in hopes something better comes in the upcoming days but just wanted to let you guys know they still are handing out loans apparently

AnniPadanni

Square is requiring it paid back within 30 days? That's new, correct? I've had 8 loans over 5 years and they have all been over 18 months.

Ptedwards13

Yep. Theyre calling it a "cash flow boost". $2,230.00 but pay it back in 30 days. Doesnt really make sense to me especially when I had $23,000 in sales the past 30 days but hey its square. Im looking to add a truck to my fleet of work vehicles so im gonna hold off in hopes of something better

CTC95

Of course my processing now says “needs work” because we were closed on Christmas Day. 68%, over a year since my last offer (it is a large loan though).