Solved: Re: December 2025 Square Loans - Page 14

beautyspabrow · ‎12-03-2025

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
Sign in and click Mark as Solution if my reply answers your question.

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.

View Solution >

MJM33

No offer, but I did thankfully get out of Needs Work from the holiday.

BiancaAlexandra

I just got an offer and its so low omg 😔 60% less than the current loan. Im 91% paid off and all green. Currently on my 8th loan from Square.

taylor2121

All my offers were north of $2K . I got an offer for $660z..just ridiculous

Srachurros

I just got an offer, after 100% paid off since December 16, it’s 5k higher than the 1st one.
I’m hoping that everyone will get an offer soon.

BiancaAlexandra

Congrats! 🥹

MJM33

Wow. That's awesome. Well, today I got out of Needs Work after dropping to that after Christmas. I was happy for that. Now hoping for an offer.

webjet

How long did the need works thing stay around before it dropped off

MJM33

Almost a week this time. I have had it clear in two days but it was after a high processing day.

webjet

Ok i been sitting at 4 weeks now like this after a decline doesnt seem to want to go back up

BoBos228800

Sitting on "needs work" for 3 months tbh from October til now. Had a crazy summer slowed down to half the processing mid September.. Paid off 42k loan in six months. Volume pushing well over six figures, still no loan. It's been 5 weeks since payoff. I'm in the restaurant industry and I open 7 days and I opened through the holidays no days off. algorithm is super stubborn won't flip green...been thinking of switching tbh because of the volume and how disadvantage Square puts me in VS the competition. I have a onboarding call Monday well see how it goes.

Twpchair

mine was one busy Friday and Saturday and all green again.

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

MPAV

congrats, have had mine paid since november still cant even get to eligibility factors page so dont know whats tood and whats not but I did 75k more in processing with square in 2025 then I did in 2024 thats almost a 100% increase from last year, paid my previous lian off in less then 3months,no chargebacks no disputes just no loan offers either sucks!

DHVAC

Its stupid. Customer service gives the same answers. I lihave no reason to use square anymore to charge my customers. Ive been using a cheaper platform to charge cards. I dont think square understands they r hurting themselves.

DHVAC

The loans kept me using their platform. But now, F it

MPAV

what processor did you move too might have to look into that too?

DHVAC

I dont wanna say on here, but the fee is way cheaper. Only thing is u gotta wait 2 or 3 days to get your money. But its hundreds cheaper if your processing bills in the thousands. First word in the platform is swipe, second word is simple. F it i dont care anymore

AnniPadanni

It would be helpful when posting updates of loans offered to give everyone some basic info. Was it higher or lower than the previous offer? What percentage was paid? And what industry is your business in? I think there is so much variance by industry in relation to time of year too. Seeing the last two posts re: offers today and seeing how different each experience was, there is valuable info to be had in my 3 questions above.

Srachurros

My 1st loan was 2700 only, and paid it off 100% in more than a month.
the new offer is 7900 I’ll say that because I’m busier this holiday season.
This location is a churro truck.

I have 5 locations. And the algorithm of square is so hard to figure out.

my other store is sitting on 89% right now

But no offers.

I’ve experienced 40% paid off and received an offer.

good luck to everyone

Area956nailart

I usually have gotten a free by 68-71% I runs nail salon.

MPAV

its so dumb that any businesses are receiving new loan 9ffers when they havent paid off existkng loan but businesses hhat have had them paid for months have to sit and not receive an offer seriously. Injust dont umderstand thenlogic in it instead of rewarding hhenpeople that pay their loans off early like myself get one offer a year and then Insee all these other people getting new offers at 70% 82% 65% what in the literal F25k and why it makes absolutely no sense at all!!!

DHVAC

Same here, its bananas. I paid 4 loans in a row off early and here it is 3 weeks and no offer. Not even a small offer. F'd up. And im **bleep**ed