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]

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@kacey_k wrote:

See if it were me I would open an online bank just to have as a backup to transfer funds cause you never know. Not saying you have too but it’s what I did in beginning when I thought I had too. Now I have 3 banks linked

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Chase usually runs promos like this one, and most can be opened up online without having to visit a branch. It's a relatively quick and easy few hundred to make if you can sit on some cash for a bit. @kacey_k @shannong 

[kacey_k]

Well bam there ya go!!! Thanks @Minion I swear I think of something and half a** explain it and here you come to polish what I said to be better 😂😂 I always tell people I’m horrible at explaining things, ALWAYS. Chase is a decent bank especially online. I’m with PNC for one of mine and bout to close it maybe I’ll check chase out!!! 

[Abby_M]

Hi @shannong 

Thanks for taking the time to reach out to us.

You can connect your primary business bank account with Plaid, and we’ll only use this data to improve future offers. However, you must be the business owner to do this. Connecting a bank or multiple banks is optional and will not affect your current eligibility status or loan offer if one is present.

Please contact us directly if you have any other questions

[KEC413]

Have had my second loan paid off since October 26th with no new offers.  Square is a joke.

[kacey_k]

Are you swipes up? Higher than normal? All in green? I do know loans 1-3 take longer due to algorithms learning your patterns and business. My 3rd loan current came in under 60% and my 2nd loan at time I only had 2 months so I lost a chunk of my current loan to pay back loan 2. Never will do that again!! Now if I’m not 90% I’m not going to accept. I want my full loan amount here on out. Lesson learned. I’d just increase your swipes, stay in the green and keep fingers crossed!!!! Good luck and square don’t suck at all!!! I’m beyond grateful for them!!! 

[KEC413]

So today I got an offer but different than anything I've seen.  It is a cash flow boost loan that has 90 day terms and is smaller than usual.  It says it's a new type of loan?

[Abby_M]

Hi @KEC413 

That’s a great question, I’d be happy to clarify.

Square Loans are customized based on your business’s recent processing volume with Square.

Some offers may look a bit smaller than offers you’ve received before. That’s because we have designed some loan terms as short-term capital meant for immediate business needs like paying bills, buying equipment whatever you need to support your business. 

This type of offer also has a shorter term length of between 1-4 months, which is tied to the smaller loan size. Please check your Square Dashboard to review your offer details.

Keep in mind, we cannot predict if or when your business may receive a higher offer. If you choose to not move forward with this offer, your account will continue to be evaluated for loan offers and we may send larger offers as your business grows.

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

[kacey_k]

I’m sorry you felt like square was a “joke” I do see that you did get a loan offer and it was one of the smaller ones! That’s great! Any help is better than zero help in my eyes!!! 
I’ve taken it upon myself to check out other companies with capital loans etc and one thing I see mostly within their communities is some and I mean several some people have like 2-5 years waiting for another loan offer 😳 Could you imagine?? So I’m just thankful we get a little more guidance on loans than some other propel do not on square! Square has been a game changer for me! 

[kacey_k]

I would have never believed a loan could come in before 75% until I joined this community and experienced it myself. My loan I’m currently on (almost paid off) I received around 50-55% it floored me. Came exactly when I needed most but I paid back my 2nd loan that I’d only had 2 months and it ate soooo much of my current loan and largest to date too. Crazy though cause sales were down then too. Gotta love algorithms I battle one daily on TikTok 😂😂 Hoping you got an offer by now????

[FreshOne]

Just got offer at 83% Loan was 50% of my last loan amount. 9:30pm PST Wednesday

[kacey_k]

Congratulations?! Exciting you got offer but will you hold out and see what the next one is if you don’t take this one?? May I ask were your sales all up? Like progress and in the green? I’m just curious. Again, congrats either way!!!

[CDVbarba]

Currently at 75% and nothing 😕

[kacey_k]

I’m over 80% and nothing either!!!! It will come when it comes is my motto!! Plus I’ve been off for a week and know that’s why mine isn’t! 

[Kemonroe]

I got my first loan offer, then the next at 75% paid off, next was at 65% paid off and my most recent was an offer at 48% paid off. I just hit 50% on this one and was hoping to see another offer soon. Not having much hope after reading these post! Lol

[kacey_k]

Wish I could tell you a definite answer but unfortunately it’s all in the algorithms hands. 

[Kemonroe]

For sure! The confusing algorithm 😂🤪

[kacey_k]

I have a love hate relationship with algorithms 🤣 I’m an affiliate on TikTok and that algorithm is like a toxic relationship and dare I say is worse than any other 

[MaryPixieBoutiq]

I feel you, 90% 🥺

[MaryPixieBoutiq]

I am 90% paid. I have paid off 8 loans. No offer. No chargebacks since August. I have no clue what’s going on with Square. Told my history, nothing is wrong with my history. 

[Minion]

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@MaryPixieBoutiq wrote:

I am 90% paid. I have paid off 8 loans. No offer. No chargebacks since August. I have no clue what’s going on with Square. Told my history, nothing is wrong with my history. 

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It could be that chargeback that is holding you down.  I don't think I've ever really seen any talk of  other sellers stating it took xx amount of months after a chargeback that someone was offered a loan.  It's hard to say with Square's algorithm but I would bet that is it if everything else is good. 

[MaryPixieBoutiq]

I have had chargebacks much fresher and been offered loans. 🥹

It’s  been over 4 months.