October 2025 Loan Offers

[shannong]

Hello! While I’m well aware loans can come at any time over 75% paid off on the current one, I do wish there was an easier way to predict when that would happen. 

my last one was 76% paid off and I received an offer. I’m currently at 78.5% paid off and nothing yet. 

Anyone seeing loans offered under 80% still? 

[VanKalkerFarms]

That is pretty much what so of the new offers seem to be testing a different type of loan.  My last offer was around 80k, but I would never use that type of loan personally.

[shannong]

 

[Abby_M · Accepted solution]

 Hi @Premierhms 

Thanks for posting on the Seller Community.

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.

[Thetattooshop23]

I was looking online about square loans, and it did say that some loans will not receive a new offer until 100% repaid, and it may be a square cash advance, which will be short-term. I don't like this at all, but that is what I was reading this morning. I am at 92% and this is my 5th loan, and it has never gone this far with me 

[Hineshospitalit]

Yes, my loan are always around 180k to 200.k. Like I’ve said before, I have a feeling square has lending restrictions and now that so many have them the funds are running out. It’s the only explanation that makes sense

[Abby_M]

Hi @shannong 

Thanks for posting on the Seller Community.

We understand that not being immediately eligible can be frustrating but new offers are not automatically extended when a certain percentage of an existing loan is repaid, your business may become eligible for a new offer when your existing plan is closer to being repaid. 

Because businesses are dynamic, we’re unable to guarantee Square Loan offers. At this time, we can’t predict if or when your business may be eligible for an additional Square Loan, however, we will continue to monitor your account for eligibility. If your business becomes eligible to apply for a loan, we’ll notify you through your Square Dashboard.

Don’t hesitate to contact us directly if you have further questions or concerns.

[shannong]

Yes I’m well aware as that is always the generic response given to us as loan customers. My question was are they coming still before 80% or no. Considering I’m close to 80%, I assume not for me. 

[CAM2mangonadas]

Hello! Just checking in to see if there’s an update on any loan offers coming in since last week? 

[shannong]

Of course I had a slow week last week so all of a sudden my weekly processing is down since I hit 80%. Hoping for a good day in sales today and then an offer soon. 

[Hineshospitalit]

I finally received an offer. It was only after it was completely paid off. I was expecting an offer around 120k and was offered 82k. Seems as if loan amounts are smaller than before and offers for the most part are mostly being extended when prior plans are paid off

[shannong]

Sometimes I wonder if it’s based on the amount too? Like my loan is a $12,700 loan. I’ve never been above 82% before a loan offer was offered. I guess I’ll see! 

[Hineshospitalit]

I have received every other offer before 80%. Hope you get one soon but by the comments I’ve read in the community it seems like most loans are being paid off before new offers are extended 

[shannong]

Blah. Of course. When I really need it lol 

[Tamara3]

I will give a glimpse of hope I have noticed a pattern in my 9 loans with square I always seem to get a new offer in November, so hang on maybe one is coming. 

my months of loan offers seem to be 

February, March, May, July, August and November. Most are the 3rd-4th week or those months. 

I’ve been with square since 2017

[kacey_k]

Funny you say that because my first one was in November, my next one was in March and then the one after that was in May and here we are in November and I’m at like 72%

[FirstLook]

At 70% now and hoping for an offer soon! Seems like the last month or so they’ve been happening anywhere from 62% to fully paid off, fingers crossed for one sooner than later!

[shannong]

I’m almost at 81%. Truly hoping it comes in soon for me! 

[Elizabeth07]

I’m in the same boat! Currently sitting at 89% and still no new offer and this is my 12th loan! My sales have actually been great, even higher than last month. It’s so frustrating because a new offer right before the holidays would be perfect. If I don’t receive one before this is paid off, I’ll definitely be switching to a new POS system.

[Abby_M]

H @Elizabeth07 

Sorry to hear about your situation.

We understand that not being immediately eligible can be frustrating but keep in mind that new offers are not automatically extended when a certain percentage of an existing loan is repaid, 

Please know that Square Banking is committed to helping your business succeed, but we understand that you may need to seek financing outside of Square. We are continually re-evaluating your account on a daily basis to determine if you’re eligible to receive another loan. If you’re eligible for a new loan, you’ll be notified directly on your Square Dashboard and via email.

If you have any other questions, please feel free to contact us directly!

[Dotr]

I have been paid off 100% since October 5th and still no offer. I check daily, I had to change my business hours so they wont report that I have 0 sales when Im Not working. My sales are good. Are they still sending offers in October?

[kacey_k]

I’ve seen others receiving loans so yes they are still giving them. What number is this for a loan?? How many in past? Metrics all in green?