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?

[kacey_k]

Congratulations!!!!

[beautyspabrow]

Glad to hear that congratulations 

[Hasay]

Thank you hopefully yours is coming but I honestly never waited this long

[asecondpeek]

78% and patiently (trying anyway!) waiting so I can start an expansion! May 2026 be the best year yet for all of you 😊

[WalleFightShop]

Im at 73% on my second loan, patiently waiting on my 3rd offer all metrics are green and im way ahead of schedule on paying it back, ive been selling like crazy since the month started but Nothing yet. Any advice?

[Srachurros]

99% and still no offer. It’s my 1st loan 

I paid it off in less than 2 months. 
Anyone got any offer recently? And congratulations to those who got their new offers 

[MJM33]

I’m bombed I haven’t gotten an offer. I’ve been paid off for almost a month. I really thought today would be the day. 

[Srachurros]

If you don’t mind me asking. How’s the sales? Cause some people says that if it’s slow.and sales are down. Probably it will affect the offer

[Twpchair]

Increase in daily swipes, the dollar amount, or sales; new customers are key. They all equal a good, healthy business that is growing. Your history, and prior loans, and of course the negatives, and trying not to get returns, disputes, etc. The three key ones are the first ones listed. Metrics are great, but they do not guarantee an offer. They are an excellent tool for us to gauge how we are doing versus last year. It's what makes that algorithm take a 2nd look.  

[kacey_k]

I was 100% paid off for close to 3 weeks before I ever got my 2nd offer

[WalleFightShop]

Ive had great sales for my business, so It doesn't make sense to me why they wont offer me a loan. My metrics are green and im 74% done on a 18 month term loan in less than 5 months. If they would offer me loan i would honestly get so much inventory, that would more than likely triple my sales. I know someone who sells half of what I do, and got a loan offer a few days ago!

[beautyspabrow]

Your not alone, I've been getting these loans for years sales are up every thing green, I'm at 88% with no offer in sight 

[kacey_k]

Do you have automatic transfers set in your account?? That is quite literally the only thing I did different and I got an offer. It was like not long after that transfer went through now I’m not saying that that will work for you, but I’m just wondering

[beautyspabrow]

What do you mean by automatic. Transfers? How do i do that 

[Twpchair]

Besides a handful, it's been trending higher. You will always have a few pop in around 60%, but overall, they are looking for sales and dollar amounts to go up, and for new customers. All indicate a strong, healthy business rather than just barely keeping the lights on. This year I've had five offers. 91%, 63%, 74%, and 81% across the page. Sales have been amazing this year. I don't accept every offer, especially from April to December/January, our busiest time. I wish I could predict when that algorithm hits you. Only you can help it and then it's just what it is. Good luck! There are a bunch of new faces waiting for something.  

[Srachurros]

We have another locations 

recently got an offer dec.1 on 81% 

 another location I have it’s paid off 100% since August and never get no offer again. 
given that it’s slow on that location. 

the algorithm is so confusing.. 

maybe because it’s December too every one are needing some fundings 

[Twpchair]

You are the first I've seen myself for December! Congrats on that one. Hopefully, the 2nd will kick in. 

[kacey_k]

I got my offer Saturday I shared it in here!!!!

[Twpchair]

Congratulations! Long dry spell but a very busy 2-3 days I see!

[Tinymoon]

At 75% today, all green, so let’s see what happens. Hoping for something by the weekend.

[WalleFightShop]

Im in the same boat as you, hoping for it to come in today or tomorrow