Hello @shannong
Welcome to the Square Community. As I am sure that you are aware from all of the other threads involving loans, that the "metrics" aren't really a set in stone guarantee once they are green but more of a very very very basic visual of meeting the minimum guidelines for a potential loan offer.
As far as % paid back I haven't been watching any of the loan threads, but it was at a point around the 80% plus paid back last that I knew. So if that is the case, it seems that you are very close! Keep your visual metrics in the green, and keep processing and hopefully you will get one here shortly once you pass the 80% mark.
I agree with you that there should be an easier way to predict a loan, however my .02 on that would be that I think Square should eliminate the "early" loan offer. A new offer should not be extended until that previous loan is 100% paid off. Then and only then would a new offer potentially be granted. I know that my opinion on it isn't a very popular one, but it also takes out the guess work, takes out the false hope ( previous offers ranging from 65-85% paid back), new loans can be used to their full potential instead of paying off a previous loan,
