Loan January 2026

[Skitchens39]

Has anyone had a loan offer recently? We were counting on an offer by now at 82 percent paid because we have always had offers by now.

[Adalynn · Accepted solution]

Hi @csmajesticinc1 !

We appreciate you sharing your frustrations about eligibility. Please know that we are always working to make our products and services better.

I know it can be frustrating not being eligible for a new loan, but we are unable to override the automatic review process with a manual review. We review your account everyday for new eligibility and if at any point you become eligible we will definitely let you know!

Let me know if you have any questions!

[Vina3 · Accepted solution]

@brown17 Congratulations on your new offer👏🎆! For future reference, you can continue to use the eligibility page to gain more insight into the status of your Square Loans eligibility. Please keep in mind, we cannot promise a loan offer, even where all of the factors on the eligibility page are “Good.”

[brown17]

Oddly I am now experiencing this 10 days after receiving and accepting new loan offer.    I will call tomorrow but my eligibility factors screen is missing 

[Twpchair]

They are working on it currently. I did get clarification on that. Square offers multiple loan options and how you choose to pay for them. It's getting all those to show up correctly for each loan type. By all means, you can call as well. I did on Thursday to get some clarification on why it's taking longer. Is it being tracked in the back when we can't see it ourselves? Yes, yes, and yes on the questions I asked (I had a list from here) 

[brown17 · Accepted solution]

Sorry for late reply!  Our season is starting soon and I have had no time to come on here.  I did call the same day just in case,   they said it can take up to 10 business days.   It did show up a few days after I called.    Thank you!   Was longer than normal for sure.      I also have new tabs on my square invoice app, so definetley a new change   

[Twpchair]

They have been working in the back, trying to streamline everything and make it easy to navigate. Thank you for your response. Here's to a great year for you! 

[brown17]

Received an offer yesterday.    67% paid.  Minimal increase but I do not normally receive an offer this time of year as it is my slow season.   However we changed the way we bill our customers that has driven in more sales, increased the amount per sale.  We also offered a discount which drove another increase in sales and new customers.      This is what I have been saying all along.   The more you swipe and get your numbers above your normal the more likely you are to receive a loan.  Remember these loans are based off sales, not how much you paid in a certain amount of time.     The minimum set for you to reach in the given time period is what the system thinks you can handle comfortably.  Showing that you cannot only reach that but go over it is a trigger.    Keep Swiping! 

[Twpchair]

Congratulations 🎉 and you are 100% correct!

[Mpechlys]

Honestly in my opinion no one knows when the loans coming, or how much they’re getting, I agree just keep swiping, eventually you’ll get an offer, the metric is just an example to base off of, I know my disputes from earlier on the year is what’s hurting me getting a offer but in my business I really don’t need it, it comes it comes it don’t it don’t, I’m just glad I’m not in other shoes depending on it for rent or etc. congrats btw

[brown17]

Exactly.  Its a bonus if it comes.    

[Vina3 · Accepted solution]

@brown17 Congratulations on your new offer👏🎆! For future reference, you can continue to use the eligibility page to gain more insight into the status of your Square Loans eligibility. Please keep in mind, we cannot promise a loan offer, even where all of the factors on the eligibility page are “Good.”

[brown17]

That was exactly my point.    I was offering insight to those who state they are paying their loan and no offer has come yet.       

[Twpchair]

I got it!😉

[worker4life]

April 2026 post——Square loans are absolutely a positive experience and a fantastic option that I’ve got to utilize multiple times. Wondering if anyone has received one lately?  My previous metrics would have typically seen a new offer by now so inquiring since Square Loans are a positive option/experience that I hope to continue using and sharing with all the small business owners I know that also use square. 

[Papaya]

Hi @worker4life !

Thanks for your post.

I am glad to hear you have had a positive experience! Congratulations on your loan offer!

Don’t hesitate to contact us directly if you have further questions or concerns. Have a great week!

[Twpchair]

I'm not sure what your percentage normally is, but it's been running higher than normal for some time now. Upper 80s to completely paid off for a big portion (not all of course) we are all unique and process differently. The best I can tell you is keep swiping daily and try to increase the amount of swipes and lastly, new customers vs return customers. That's what they are looking for. Those indicate a strong healthy and growing business. Good luck!!! I am happy to hear the positive news in the loan threads😊