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 

[kacey_k]

Wow I’m kinda shocked at this. Your metrics I assume are all in green and up and up? 

[Hasay]

I’m also everything green and I will be paid off in less then a year from my original loan… just sucks but I guess can wait it out or get a loan with my credit card

[selectorseattle]

Monitoring this thread, looks like the last day that someone in this post said they received an offer was on Dec. 6th.

If anyone that's chimed in here so far gets an offer, will you let us know? I'm at 87% paid off, I haven't officially given up hope, but have decided to let it go and say I don't need it. Reverse psychology for my own sanity. I wonder if Square reaches a maximum amount they will offer out on loans in a given year, and it being close to the end of the year, well, here we are, who knows...

[MJM33]

I’ve been paid off send I think November 23rd. Just taking it a day at a time.

[kacey_k]

What # loan did you pay off? 

[MJM33]

Number 3. The first one I paid 100% and got an offer in the next 5 minutes. The second time as soon as it hit 75% it sent me and offer. 

[kacey_k]

I’m on my third loan as well, and they say that you know high numbers or what ping the algorithm But I don’t think anybody really knows because I got my second loan offer at 100% paid off and my third loan offer came in under 60% paid off and that one my sales were down it was during the summer and now my sales are pretty consistent for the most part except for I took a week off so that probably screwed me as of today. I am 92% paid off

[kacey_k]

I’ve been monitoring it as well and if others are getting loans they aren’t posting or even know this forum exists. I’m currently 83% paid off on my 3rd loan and will be at 100% by Saturday. Only time it’s taken this long before was between my 1st-2nd loan. I’ve been wanting to go down to 2 days a week so I just chalked it up to maybe the universe is setting me up to be able to do that by paying this loan off in full 😂

[beautyspabrow]

Exactly how I feel well atleast if I don't get this loan I'll be closer to being debt free lol

[kacey_k]

Exactly that’s my way of thinking everything happens for a reason, right? 

[beautyspabrow]

I will definitely update, I'm at 84 percent now I turn another percent almost every day high volume over 4 digits daily everything GREEN  no offer in sight 

[Hasay]

Yes I will update also if I get an offer 

[Breebree89]

Well I’m at 78% paid back. Usually I have an offer by now. So I’m in the same boat as everyone else waiting. I’ve sadly been relying on this loan to come through but I don’t think that’s happening. I will say the last 2 loans I got came in around lunch time on Friday. So hopefully I get something tomorrow. 🤞🏽 Hope you one soon as well. 

[Bbonhage]

Any good news today, my hopeful friends???

[kacey_k]

Nothing here

[Hasay]

Nothing for me I’m at 91% paid off for my 12th loan and have never waited this long

[kacey_k]

I’m now just paying back the fee on a $2500 loan, actually less than my fee. I have paid this loan back faster than I did my first one that I paid 100% off!! Soon I’ll be debt free at least!!!! New Year Debt Free is something I have to look forward too now that I’m not getting anymore offers!!!! 

[Bbonhage]

That’s awesome! Congratulations! At least some good news❤️

[beautyspabrow]

Still nothing down to my last 6000 left out of 42,000 after fees.. I am so sad that I may have to just reconsider these loans all together. I truly needed the boost and now it feels like it's never coming 

[kacey_k]

I am just paying my fees at this point! I’ve completely shifted my thinking to once this is paid off (next week) I’ll be 100% debt free. That alone makes me happy and beyond grateful. 

[ChefSouthpaw]

Im at 86% paid of a 42k loan too, waiting patiently did u receive your new offer yet?