Has Anyone Received a Loan Offer in Fall '25?

[Tamara3]

The title of this thread has been edited by a Square Moderator from the original: "November 2025 loan offers?"

Hey I started this thread to see if anyone is receiving loan offers for November 2025 or even last month? I’m currently at 64% paid off since July. My sales processing has went from $19,000 last year and right now I’m sitting close to $60,000. I’ve had 3 loans with square this year because I have been paying them back so fast and the offers IMO are pretty low but because I need the extra to keep growing I accept when they do come. My last loan was at 62% paid when I got the offer and the one before that was 59% but here I am at 64% and haven’t received anything yet. What percentage are yall at? I’m trying to see if there is a pattern for offers or if they really just algorithm the accounts. Last year I got a loan offer November 23, 2024 so curious if I’ll see one this month when they evaluate. 

[Abby_M]

Hi @Tamara3 

Thank you for taking your time and posting on the Seller's Community

New offers are not automatically extended when a certain percentage of an existing loan is repaid, but your business may become eligible for a new offer when your existing plan is closer to being repaid. 

While the repayment of your current loan is considered, there are many factors that may affect your eligibility and accounts are evaluated as a whole. The information we provide in the Square loan eligibility page is just a summary of the factors that lead to a loan offer. We cannot guarantee that you will receive a loan offer, even where all of the factors on the eligibility page are “Good.” If you become eligible, you’ll be notified directly on your Square Dashboard and via email.

Please contact us directly, our Square Loans line is open between 8am-5pm PT Monday-Friday if you want to give us a call.

[Pupology1]

I’m in the same boat you are. I’m waiting on my next offer. I’m at 63% and have always gotten a new offer by now?  

[Tamara3]

Me too! I have not gotten to 70% on any loan this year and im at 70% as of today probably hit 74% by the end of today and ive only had this loan 3 months. This loan only has a repayment percent set at 13.5% so even lower than my previous loans and still paying it back at 70% in 3 months shows im growing rapidly. Im all green and run a 6 figure business but really wish square would offer a legit loan of $5,000-$10,000 instead i get little offers like $2500-$3900.. ive been with square 9 years and have had 9 loans no disputes and always paid back early. Still the last loan offer i got was $3,900. Im greatful for the boost but i feel slightly insulted to say the least. 

[Tamara3]

Have you received a loan offer? Here I am at 75% today all green and this year I’ve been rolling sales are way up right now but nothing on offers. Something is off with square. I’ve been with them 9 years and sales are up +11379.03% that’s insane and nothing I’ve only had this loan 3 months and 75% paid I’ve never got to this percentage without a loan offer. 

[Timtom03]

Good luck guys I’m at 93% paid and nothing still 

[Tamara3]

Nothing here paid 70% in 3 months and probably have this one paid off this week I’ve never went this long this year paying my loan back this fast this year and this is my 3rd loan this year. My last 3 offers came before 70% repaid. They even dropped my payback percentage to 13.5% on this one and still paying back but I would’ve paid all loans by the end of 3 months had I had them. This last loan offer was only $3900 and I run a 6 figure business if that tells you anything. Good luck on your next offer I’m not holding my breath for anything based on some of these comments. 🥴🥴

[Tamara3]

Also adding my sales are up 187.3% this year 

[shenaniganstatt]

As of today was at 78% and received a kick in the teeth offer. Recently received a kick in the teeth lain from square. I’ve had and repaid 17 loans going back to 2015. Had a large loan in 2022 for 20k , also diagnosed w cancer that year and had to take a year off. Repaid the loan in 24 months rather than the customary 18 months. Got another loan in October 2024. Got an offer for 12.5k a week later. Paid it off in April of 2025. Received another loan for 11.5k. Busted **bleep** and was finally offered another loan today 11/18/25. For 8k. I started with a $400 loan way back when I first started. Even though I was late w my largest loan to date iron 2022. I’ve scaled my business (tattoo shop). From 3-5k (50-60k yr)a month to over 20k (200-240k a yr)a month with minimal staff. Every time a question gets answered it’s the same canned response. I’m tired of not being able to discuss this with a human and not wait for hours on the phone. I wish for way more transparency with the process. I’m glad that unlike some posters in here I’m not counting on the loans for inventory purposes. But I’d have liked another loan on the level with my growth. I’ve always ahead of my payment cycle and usually if it’s a 10 k or less it’s usually 3/4 months in slow season to pay it off. Everything in the green and ahead of payments yet square can’t be bothered to at least talk to one of us instead of just milking us for fees and to say”just keep processing” it bull crap. I’m looking into another POS service to handle my business as they can’t even be bothered to respond. I declined the offer as it’s not worth my holiday pay to pay it back. I’ll keep the cash and look elsewhere. Square is losing a long time customer here and it saddens