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!

[Mpechlys]

Square has always did soft credit check as I’m aware of, but they don’t go by that, they go by how well your business is doing and the swipes, really all that matter is the swipes and if all the metrics are green just about 

[Twpchair]

They have since I started with them. I think I remember once it came across my credit monitoring service. It’s more so on your ability to pay back what they are offering vs your credit score. Square really does use your prior history with them and past loans to go off. We have all seen great offers or that one that just baffles you? With no guarantee of if or when you either accept or not. They normally work themselves out and the next offer is much better. Keep the negatives down, keep swiping and hopefully, it will be soon. 

[Twpchair]

Square has always been able to do a soft pull. I would probably use the term “randomly” could. 8-9 years with Square and loans, I should say, one time I remember seeing it come across my credit monitoring service. If I read that correctly you are loan #4. Loan 4-6 for myself and others were are longest waiting time. The algorithm is just gathering data and getting a good feel for your processing history and habits. Your history with Square is very important as well. Everything you said about previous loans sounds amazing, this plays a big factor. Hold tight, it’s been a little slower lately. Please, keep us posted! 

[Twpchair]

It’s been unusually quiet? Winter months are always tough to gauge with so many businesses being seasonal. I’ve seen a few in the 80% range, but mostly high to paid off. Good luck and hopefully soon. Nice to see you though!

[Twpchair]

It was on a pretty good stretch of approvals, until about Christmas week. Those Holiday that land on a Wednesday is hard. Since then it’s just been trickling in 😩 at least for those that post on here. I went back and looked at previous loans for my business and I believe I have ever had a loan in December? I don’t take every loan either, so I might have had offers. Jan and Feb yes, those are my biggest months. Hopefully, this kicks in fast!

[Mpechlys]

Paid off and I think since early last year with those dispute it may be affecting me, says needs work, already been closed two was in my favor the other two wasn’t, went to court he end up having to pay me back. So really it was all in my favor I guess square sees it differently. Still no loan offer.

[Twpchair]

Hello, besides that is everything going good? Business is steady etc, still swiping cards, new business coming in. You know all about this stuff so I don’t have to go over all that information. You help here more than anyone else and always have a great attitude. Let me tag a couple of people and see if you can send in some information regarding this and see if they can help get that needs work taken care of with your court paperwork in your favor. All Square can see is what is on there end hun. With the information and paperwork to back up the other disputes it could help. It’s worth a good shot and can’t hurt. @Abby_M would sending in outside information help here? Thank you so much. @Mpechlys let @abbeyc reach out to you privately and explain yes, you do have 2 disputes but you won in court and if anyone can help you or get you in the right hands she can. I would like to thank you for all your help and support back here. You’ve helped so many people. Let Square help you now. Good luck and hopefully by sending in your information that will help. 

[Mpechlys]

Yes everything is all great, a lot more busier so can’t complain there, starting to turn away jobs cause I can’t keep up. I usually pop in every now and then than.

[Twpchair]

That’s not a bad thing to have though. 

[Hope88]

Nothing still since paying off in October on loan #2. Everything is green and processing more since then. 

[Twpchair]

Well? Hope is the best name for you! It’s been slower than normal and hopefully it will break soon. I wish you the best of luck truly. Please keep us updated ok. 

[Hope88]

Finally got one Thursday after sending multiple/new invoices. 

Not sure if this will help anyone or if this is how & why I got an offer after being paid off for some time and everything was green. 

I had a T-shirt sale that day and instead of letting them checkout on website, I made the customers comment on group post and I sent invoices. Sale triggered more card processing and generated about 10/15 new customers and remaining returning. 

I started invoicing at 9 that morning and by 11:30am I had an offer pop up while doing so. Accepted the offer (it was small but much needed & thankful) and within 15 minutes it was approved and in my Square checking account. 

[Twpchair]

Congratulations! That is exactly what I do! I run a sale on Thursday /Saturday and kick in those swipes and 9/10 times it's late Friday and an offer comes in. When you increase swipes 2-4 times above normal and new customers that algorithm is going to ping off something for a 2nd look. Good for you! It's not always the dollar amount we want but if it helps fill that gap between a bigger offer than it win in my book. Way to work it in your favor. 👏👏👏👏

[brown17]

Same.  If I Run a sale and go over my normal it almost always triggers a new offer

[Dhgaming]

Paid off my loan on Oct. 27th 2025. I’ve only had one charge back and it was decided in my favor.  I’ve been waiting and waiting but every time I reach out I get nothing. I’m starting to give up and want to move over to Shopify maybe. I know they have a loan

program also or PayPal. 

[Mpechlys]

I think the chargebacks is the issue, on my 4th loan and I had one customer 4 charge back two in my favor, the other two had to take him to court, end up in my favor as well. Loan paid off two weeks ago no offer yet

[Dhgaming]

The charge back happened in July of 2025 it shouldn’t even be affecting anything. I’m over it 

[Twpchair]

Have you reached out to the loan department privately? In theory, it should have fallen off but honestly with millions of users it doesn’t always happen. Believe me, I am not just saying this; I went through it myself and I had to call in to explain my situation. Mine wasn’t disputed; it was a new phone, new number, etc., and nothing was verified properly on my end. I couldn’t even update it here and I knew I needed a human. It was for my security, still frustrating but after explaining the recent changes, passing all security questions it was fixed and all back to Good. A good lesson for everyone to keep all your information updated at all times. This is our responsibility. Square isn't a mind reader. I learned that fast. Good luck.  Please, reach out privately on Monday and see if they can help or give you a time frame. 

[Dhgaming]

While, I’m happy your situation was easily resolved, I don’t believe mines will be. They send me emails all the time and  I’ve called about this and they always give the same prescripted answers. 

Also I get them having millions of subscribers but how about some transparency as I think that will help a lot of sellers out. I don’t think we can chuck a lot of these issues up as they are busy.  

[Minion]

---

@Dhgaming wrote:

While, I’m happy your situation was easily resolved, I don’t believe mines will be. They send me emails all the time and  I’ve called about this and they always give the same prescripted answers. 

Also I get them having millions of subscribers but how about some transparency as I think that will help a lot of sellers out. I don’t think we can chuck a lot of these issues up as they are busy.  

---

You are correct, a bit more transparency from Square in these matter would be ideal.  Tossing up green or yellow "metrics" isn't the solution.  I think they are and have been working on the back end of the loans over the last year as the % paid back is much higher (which is a good thing) before another loan is possibly offered and a smaller micro type loan seems to be making its way around.

The problem that I see and have always noticed is that with any company offering these type of loans, be it Square, QB, Stripe etc  if you want an algorithm based lending options with a only a soft credit pull, extremely minimal paperwork, but ease of payments then this is why you get.  If you want the more traditional face to face , personal and business credit pulled , but a more personal experience then those options are available also.  

I just don't believe you will ever see that one on one personal relationship with any of these companies.  There has to be line drawn.  I believe that is just the reality of it , but it's just my loose change I'm throwing. 

[Twpchair]

I agree 100%. I looked up a good 20 pos systems all based on Square are the same. If you want that larger more structured loan so do the structured and stricter qualifications. A very decent credit score, a plan, or a detailed itemized reason for it, and what or how you are going to pay it back. Timely 3-7 days. With any pos you know exactly what and how they operate. 1 and only 1 asked for further consideration please send in 3 bank statements for cash and checks. Most said it added in 1-3 k. Face it they make their money off of cards not cash. Certain businesses boom off of cards while others are cash or checks. Again, it’s not the total picture of your business unfortunately, but its squares business as well and they have to answer for these loans too. As of yesterday, Square was still number 1 in micro loans. Stay true to their roots and keep it simple and moving pays off.