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?

[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!

[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. 

[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 

[kacey_k]

This really highlights how inconsistent it’s become. When you can have multiple locations, different payoff percentages, strong volume, and still no clear pattern, it’s hard to plan anything. You’re definitely not alone in feeling confused.

[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

[taylor2121]

I am so confused. I was counting on this to pay my rent. I’m used to offers $2K + now they’re saying I’m only available for $460…

what the hell? 

[kacey_k]

I’m really sorry — that’s incredibly stressful, especially when you’ve been used to much higher offers. A lot of us seem to be seeing big changes all at once. Hopefully Square provides some clarity or improves the offers soon.

[kacey_k]

That’s exactly what’s throwing me off too. A short-term “cash flow boost” with a 30-day payback feels very different from the traditional offers, especially with strong recent sales. Hopefully better options roll out soon.

[kacey_k]

Yeah, this one was structured very differently. It showed as a short-term offer with a 30-day payback window, not the usual longer repayment period. Definitely not what I’ve seen in the past either, which is why I’m holding off for now.

[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).

[MJM33]

It sucked to see mine change to it but I knew it was coming since it did the same for me Thanksgiving. 

[kacey_k]

Ugh, that’s rough — especially when you already know it’s coming from past experience. Hopefully it flips back sooner rather than later this time.

[kacey_k]

That’s frustrating, especially when it’s tied to being closed for the holiday. Hopefully once normal processing days catch up, it resolves quickly — especially since it’s been so long since your last offer.

[taylor2121]

Frustrating is one word to use.. Another is "I'm going to lose my home" because my usual 2k+ loan offers went down to $600....

Thats a bit more accurate....