November loans 2025

[CDVbarba]

Has anyone received any loan offers recently ? I’m 69% as of today and have yet to receive an offer. I usually get mine around 60%. I’m curious to see if they are offering loans out right now. It’ll help out business out tremendously right now 

[Minion]

Hey @CDVbarba 

Yes Square is still offering loans.  Looking through all the loan threads here you can see that most sellers (that are posting) are getting them at a much higher % paid back.  69% paid back is still a very low % paid back from what looks to be mid 80's plus.  To not sugar coat anything for you or give you any false hope , I wouldn't count on receiving one until another 15%+/- is paid back. 

It's better to plan for not getting one and receiving one, than the other way around. 

[kacey_k]

I have to agree with @Minion on this one! My 3rd (current) shocked me when it came in under 60% I’m currently at 80% and not even expecting until MAYBE next weekend or after. 

[RADFITNESS]

I'm at 77% paid back, and still waiting also. Hoping I get an offer today. Dan, I see a lot your posts about the loans and you make great points. If you have any influence, could you get Square on board with publishing a newsletter about the loan climate? Most of everyone is only frustrated because in the past they were rewarded when paying off the loan at 75%+ . If you give a dog a treat for sitting, next time they sit, they are going to want that treat. 

[Minion]

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@RADFITNESS wrote:

I'm at 77% paid back, and still waiting also. Hoping I get an offer today. Dan, I see a lot your posts about the loans and you make great points. If you have any influence, could you get Square on board with publishing a newsletter about the loan climate? Most of everyone is only frustrated because in the past they were rewarded when paying off the loan at 75%+ . If you give a dog a treat for sitting, next time they sit, they are going to want that treat. 

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I appreciate the feedback @RADFITNESS .

I could definitely pass that on for sure!  I think Square's loans are good, however I have never liked the fact of when they offered another loan at 50-80%.  Sure the amount is larger, but that is because literally half of that is paying off the original, and then its just a vicious cycle of payday type loans.  I wish they would completely overhaul the loan program to be that you will possibly become eligible once you paid it off 100%, That way other sellers are not planning and guessing when/if a loan may come in.  They know that it has to be paid off 100% in order to considered for another one and that is not guaranteed.  I'm sure it would be pretty hard for some sellers in the short run, but in the long run I think it would truly be the better route to go. 

I will definitely pass on the request, I think it's a great idea! @Abby_M 

[Abby_M]

Hi @CDVbarba 

Thanks for taking the time to reach out to us.

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. We can’t guarantee that another offer will be extended before or after the current plan is complete. While you are not currently eligible for an offer, your account is automatically reviewed daily to determine eligibility. Offers are based on many factors, including, but not limited to, your current payment processing volume, your customer mix, and your Square account history.

Please contact us directly if you have any other questions.

[kacey_k]

I’m currently at 80% higher tonight and nothing. My second loan came in 20 days after paid off and my 3rd (current) came in under 60%. I’m not even anticipating until I’m paid off. 

[kacey_k]

@CDVbarba @welcome to the community!!! Just noticed this was your first post!!

[Shen1221]

I am at 77%, and no offers yet. The last time I was at 63%. Just very frustrating not having any consistency with their process