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!

[Dhgaming]

You can definitely see complete transparency in these situation. When i took out loans with PayPal, it was transparent and there wasn’t any hey don’t ask us why we gave you a loan. 

When took out eBay loans same thing. 

Square should have a system that says, hey these items are what we are looking for. It’s nuts when we call for loans and status they give a scripted answer. 

[Twpchair]

It’s not easy and I called and first call didn’t go well. I sayI am sorry and needed to call back. I did just like any call center you get the good and the bad. I don’t waste my time going nowhere. It might take 2-3 times but you will find that one person who will listen. 2.nd is getting past the call center. You need to get to account specialist. Do not mention the word loan ever that’s the kiss of death 😂. Once I was transferred, I explained and killed them with kindness and an hour later everything was updated. I took full responsibility for it as it’s our job to keep our information updated and I tried but unfortunately, customer service only let me in and did not update my information and I did this for a good 3 plus weeks daily. Then I got the right person who helped me out and didn’t get off the phone until I checked everything and he sent multiple codes and all worked. Don’t give up, get to right department first, then get the right person to work with you. Good luck 

[Mpechlys]

I update daily with swipes or no swipes, I think it’s trying to pick up how business is doing before my loan get offered, I still think it’s because my dispute that’s holding everything up, I normally get a offer by now since being completely paid off, this my longest wait yet so far.