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. 

[KR9]

Am done paying my loan off no offer yet 

[kacey_k]

What loan # is this?? 

[KR9]

Loan 3 just got another offer 

[Tamara3]

I literally had a dream I was gonna get an offer earlier today. Had a horrible migraine fell asleep and in my dream I was at work opened my app and it said new loan offer. It showed the number of $5008! 😂 now it would be hilarious if that actually happens. Anyways I noticed my loan board doesn’t show when my next payment is due anymore? It just shows minimum reached for November 26th I thought it use to say when the next day was?

[kacey_k]

Interesting!!! Maybe you manifested it 😂😂 PLEASE keep updated if offer comes in for exact amount 

[Tamara3]

Will do lol 

[Tamara3]

I just got a loan offer it’s $1500 less but I accepted I needed it so bad this week with inventory being low and the holiday coming Thank God. Anything helps at this point I will have this one paid back in no time. So I accepted 

[kacey_k]

Holy crap you manifested that girl!!! Congrats 

[kacey_k]

I been feeling mine will be this weekend. I have a busy busy day tomorrow and running special if paying with card

[KR9]

Hi am done paying off my loan no offer yet 

[Lakreshabeale1]

This would be my 6th Loam I’m at 96% I’m like Dang yall help me out it’s Christmas 

I paid back $20,000 on 4 months 😩

[MaryPixieBoutiq]

I feel you! Good luck 🥲

I have paid off 8 loans and I am at 90%…starting to think something is up with square not us. 🥰

[Lakreshabeale1]

The financial market is taking a toll 

maybe they are over leveraged 

if we all are not getting the money it’s going somewhere 

but I think imma keep my cash for now 

I only owe $1000 

It will be paid this week 

[MaryPixieBoutiq]

I agree! That’s what I think is going on. I was reading about there overall year and struggles overall. So yea. I am almost paid off too, $2,000 left! So I guess nice to not take a percentage out of my sales. 😝

[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 

[kacey_k]

I have to agree with you there @Minion just some concrete guidelines would be much better and less stressful for many people. I know I have just for shi**s and giggles checked out other processing apps Communities (none as great as here btw) but mostly their loans and capital etc.

There’s a couple companies that I see others speak about on here and always say how they will “move if I get a small loan” or “not got a loan offer yet and I’m 60% I’m leaving square “ 

Anywho..I was shocked that one of the other companies within their loans forum some people had been paid off 2+ years…no offer in sight. Another had been with them for over 15 years and only had 2 small loans and been paid off for close to 5 years and no offer I did ask what was up by never got an answer back. It looked like said meme he was active and running a business. So those 2 immediately threw red flags up for me. I’ve not thought to leave here. I’m grateful. At the Barbershop some girls use Gloss Genius which for booking ehh is ok but anything else it’s foreign to me. 
**sorry for the ramble, I’m at the point where I’m soooo tired but I can’t fall asleep tired sadly. 

[Minion]

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@kacey_k wrote:

I have to agree with you there @Minion just some concrete guidelines would be much better and less stressful for many people. I know I have just for shi**s and giggles checked out other processing apps Communities (none as great as here btw) but mostly their loans and capital etc.

There’s a couple companies that I see others speak about on here and always say how they will “move if I get a small loan” or “not got a loan offer yet and I’m 60% I’m leaving square “ 

Anywho..I was shocked that one of the other companies within their loans forum some people had been paid off 2+ years…no offer in sight. Another had been with them for over 15 years and only had 2 small loans and been paid off for close to 5 years and no offer I did ask what was up by never got an answer back. It looked like said meme he was active and running a business. So those 2 immediately threw red flags up for me. I’ve not thought to leave here. I’m grateful. At the Barbershop some girls use Gloss Genius which for booking ehh is ok but anything else it’s foreign to me. 
**sorry for the ramble, I’m at the point where I’m soooo tired but I can’t fall asleep tired sadly. 

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Yeah every business is unique and no two businesses are the same.  The capital loans regardless of company are great for certain things, but when you become dependent on them, or even when the company "makes" you dependent on them things can get out of hand quickly.  A personal connection and building a relationship with your physical bank or credit union will always be the best bet when trying to grow your business IMO.