Solved: Re: December 2025 Square Loans - Page 16

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 · ‎12-12-2025

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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kacey_k

Hey!!! All is good here!!!!

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.

CTC18

Sitting at 71% and still nothing.

Area956nailart

Same!

JentlySpecials

Hey Everyone ,

just came to say that I got an offer today when my current loan was at 87% and the new offer was 50% less than the previous one !! But the offers are still coming in

JentlySpecials

I was also approved with in ten minutes of accepting

Jerrysbar

I'm at 98% paid on my 4th loan and nothing.

Twpchair

That could be the loan number you’re on as well. About loan 4-6 is where Square is really figuring out your processing patterns. It’s been 8 years or so since I was there but those were my longest wait times and also my biggest increases till that point. Good luck!

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

brown17

I second this! Around the 4th loan is where I saw my biggest wait time too. It was 6 mo paid off before I received a new offer BUT I am seasonal so it was during my slow time I waited the most. After that my offers increased and came sooner

ChefSouthpaw

Finally got an offer at 87%, i had given up, but offer was 50% less and i still owe about 5k so i didnt walk away with much. Was approved in 10 mins

nyallblacks

I was reading through the Square Loans page details, and read that Square has started doing soft credit pulls for loan eligibility. It now makes sense why there seems to be less loans, longer renewal times, and lesser approval amounts.