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?

[Lemoncircle]

Not to get anyone’s hopes up, But i just received an offer. Only 62% paid off. last time i didnt get an offer until i was in the 90ish percent paid off. This would be the 4th paid off, now 5th loan in total so far. This one was about $4,000 higher than the last.

[beautyspabrow]

Did you just get the offer today Saturday? 

[Lemoncircle]

Yes. Offer, Application, Approval and deposit today.

[beautyspabrow]

How did you get deposit today? 

[Lemoncircle]

Im not sure, I was actually shocked i even got an approval today to be honest. Last time i got an offer on a Saturday, it didn’t process until Monday.

[beautyspabrow]

Did you use the square checking account / square balance or your bank account? 

[Lemoncircle]

I don’t have a bank account connected to the loans section, any loans get deposited into my square checking.

[kacey_k]

I am the same as you I used to have a bank account linked but no longer do it’s all square checking! 

[kacey_k]

Each loan I’ve had has been on the weekend and I’ve had my funds within 30 min. 

[kacey_k]

I’ve always had the money in my square bank account within 30 min! Congratulations!!!!! 

[Lemoncircle]

Any offer i’ve ever received on a weekday has been processed and deposited into less than an hour. This is the first time i’ve had a weekend offer and it process and deposit quickly. I’m not mad at it though.

[beautyspabrow]

Ok this is hopeful, I really am praying for an offer. All my offers for the past three years have been Saturday nights or Sundays so this sounds on track 

[kacey_k]

My dashboard updated at 2:41 and shows “needs improvement” on weekly sales however when I check it’s up by 65% so it needs to update again and I believe I would get an offer. I’m at 91% now on 3rd loan 

[beautyspabrow]

How much was your offer for if you don't mind sharing more details? Was it higher than your last offer? 

[beautyspabrow]

Any updates today my good people? Square, I ask if you see this. Please help me out my business desperately needs a new offer, always in green sales always high please help friends. 

[kacey_k]

I am there with ya!!!!

[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!

[MPAV]

wow another pre-canned response where you just had to hit f11 to respond to somebody and you probably didn't even read through any of the multiple messages she probably posted and asked you for help with maybe you should actually try reading the messages that people send to you so that you can actually answer people's questions a little bit more efficiently because I know that when you responded to my last question you didn't answer my question at all you answered something that had nothing to do with what I was trying to ask I wouldn't be surprised if it's the same case here

[MPAV]

just thought I'd point out that always providing the same pre-canned response two questions people ask doesn't help people a good portion of the time it just upsets people because a lot of the times you're not even answering the question that people are asking you you're just providing an answer to something that you thought they were trying to ask because you don't read the full messages Abby m it's terrible

[selectorseattle]

Came here wondering the same thing, has anyone gotten an offer in December? I'm on 2nd loan, 86% paid off, really hoping an offer pops up. I'm starting to think Square is not offering any more loans in 2025 maybe. Bummers if not...

[Tinymoon]

71% paid off on my 5th loan. Still patiently waiting too.