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 

[Hasay]

I have not and at 80% paid 

[Tamara3]

Same here im a 81% paid in 3 months my sales have increased 25% in 3 months and 210% for this year and all green metrics this is my 4th loan this year because I’m paying them off in 2-3 months but this year all my offers came in before I hit 70%

[Shen1221]

Basically the same here! All categories green, 78% in 3 months time! A loan right now heading into the holiday season would be great but nothing except the daily review and that great ineligible status . And I took one day off from processing a payment and went from green to needs work, that’s just crazy to me!
My daughter gets loan offers constantly thru her Shopify that she uses for her business, way more offers and amounts than I have ever received thru square ! 

[Tamara3]

This year I was offered loans so early in the 60-70% range and sales are up 239% this morning for 11 months I just checked and nothing. 

[KR9]

I just paid off my loan yesterday it was loan #3 for this year now I just got a offer today for another loan 

[kacey_k]

Congratulations!! See you spoke it into existence 

[Hasay]

Was the offer more then ur last loan or less?

[kacey_k]

Congratulations!! Mine should be coming any day now!! I’m almost paid off on my 3rd and largest loan to date as well. I always make the “minimum payment well before the date given too.

This week EVERY SINGLE person has paid me using a debit or credit card (tis the season) so like my sales are up in the green ✅ by 977.8% over the last 3 days 😳 now I’m No numbers person or anything but seems good to me. I think I got like $600 or less left to pay! 

[FirstLook]

Currently at 77% (just about 78%) on my 9th or 10th loan, and the highest one yet. Haven't paid off this much without a new offer in years, so definitely keeping an eye out and will update if I get an offer soon! Definitely hoping for one ASAP as this is a great time of year to purchase equipment and take care of some general costs. Fingers crossed one shows up soon! 

[kacey_k]

Please keep us posted. I got my first loan ever Nov 21 last year!! See if next comes close too it. I’m 80% paid on my 3rd loan now 

[shenaniganstatt]

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 me.

[Tamara3]

I feel this

[CDVbarba]

hoping to get one soon.. currently at 71% and will be at 75% end of week, the longest I’ve had to wait to get a new offer 🥲

[Tamara3]

My last offer came July 29th at 68% and right now this one I’m at 84% and no new offer, not trying to let you down it seems they are not issuing them as soon as they were earlier this year. My sales are through the roof 280% increase and 31% for the last 3 months I just hope they trigger a new offer soon for me

[kacey_k]

It seems what to look for now is mass volume of swipes, an increase in the dollar amount, and history is getting. Maintaining is getting you in the 90s to paid off. The 60s-70s means you are swiping 2x -3x more than normal and the algorithm will pop off. I’m running a special for anyone that swipes a card from now to Dec 1 gets a discount. I am

80% paid as of today. 

[Tamara3]

Great idea I ran $800 today and $1500 yesterday in cards I’m rolling in sales and I’ve paid a steady $80-$200 back a day in sales. I’m at 84% paid today hoping for an offer this week 🤞🏼🫶🏼 I feel really good about it. I’ve been frustrated not getting a new offer already but decided I was just going to run my business and when it comes it comes. I felt defeated when I would check my dashboard and no offer had come by 75% but I am actually glad my  next offer won’t be rollover into the next offer so I’m Happy. It’s all gonna work out just fine in the end for me because either way my business is doing great. 

[kacey_k]

I think this time next week we will both see offers if not sooner!!! I don’t check my dashboard at all. 

[Tamara3]

Me too last year I had a loan offer come last year on November 23rd. It came late at like 8-9pm so I’m hopeful this is the week or next. 

[kacey_k]

Mine was Nov 21 around 10pm!! 

[FreshOne]

At 78% and no new offer. Been here since the beginning and on my 12th loan.

[Tamara3]

I’m at 84% and no new offer and my sales are through the roof right now so I knew when I hit 70% I was going to get one but really would like to see one soon