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 

[JonKT]

6th loan was 9K 7th was 6K.  

[Twpchair]

The first of December and the 3rd if I remember correctly both were hold outs from a lower offer than the previous one. Was a good size offer and the other was 3-4k higher roughly. That was it. 

[JonKT]

I just received the loan offer today.  Very small one but I took it. Lol

[MJM33]

Congratulations. I'm still on Needs Work.

[brown17]

Anyone get an update today?   I did not get one

[JonKT]

Just received one today 

[Twpchair]

I wasn’t open today but on a holiday I am usually a few hours behind. I usually update around 1-3 by 5 or 6 pm I will or would have if opened. 

[Tinymoon]

79% all green (6k+ paid)  - still nothing. This will be my 5th loan if offered. Hoping for at least 8k, but from reading everybody’s post I doubt it. 

[Srachurros]

No update on my end. We have a very busy December. 100% paid off but nothing triggers a new offer. 
it sucks. But I guess no one can ever figure Square out.

[JonKT]

I just received one today. 

[Srachurros]

Congratulations, how many percent you paid off? And it’s higher or lower? If you don’t mind me asking 

[JonKT]

at 88%. Wayyy lower 

[NicholeK2]

We received one today, thank you square!  You are helping us open our second location!!!

[BiancaAlexandra]

If you dont mind me asking, what percentage were you at?  

[NicholeK2]

71%

[BiancaAlexandra]

Congrats! Was the offer more or less than the one you paid off?

[NicholeK2]

It was slightly under, but not by much.  I wish everyone all good things and hope that square comes through for you soon!!!!!

[Twpchair]

Congratulations 🎉 and thank you for the update!

[WalleFightShop]

Sitting at 80% hopefully I wake up to some good news! 

[WalleFightShop]

Congrats to all that got their loan. Please drop what changed that might've triggered the loan! 

[Area956nailart]

I'm at 67% 11,152 payed off and still no new offer! 😭 I'm being patient because I'm hoping for a higher offer but everyone here is saying their offers are relatively lower this time around! 🥹