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? 

[kacey_k]

That’s how mine was my second/third kinda were- 100% paid off for over 2 weeks before new offer came then the next one came in around 67% now I’m currently on my third and I’m at 67% again. I don’t see me getting it until mines paid off in full again. I think the 2nd loan I got lucky at 67% 🤣 

KEEP US UPDATED 😉

[shannong]

Almost at 82%. Had the best week in sales in a long time last week. Still nothing. Truly need this to come in this week for my holiday inventory. 

[kacey_k]

Keeping my fingers and toes crossed for you!!! 

[Bdz]

Thank u

[Bdz]

Has anyone received a loan when processing says needs work. October and November are very slow for me, so of course my processing took a dip, but I am 95% paid on loan. Would love to purchase inventory during the next few months, because it goes on sale, during the slow times of my biz. Just curious, if anyone received loan with the needs work?, if I had some new inventory that stood out a little, I could raise sales a little,  not much, cause Oct, Nov always been very slow for me, just kinda sucks the timing happened like that, right when I may have been coming up for a loan. Thank you in advance for answering me

[shannong]

You will not get an offer if processing is down. 

[Bdz]

That's kinda what I thought my metrics change almost daily from needs work to good, so hoping it catches it on good. 😆 

[Bdz]

Out of needs work again, all green so fingers crossed 

[Thetattooshop23]

I am still not seeing an offer, and I'm at 92% repaid! I have never gone this far without a new offer. I was reading online, and it stated that some Square customers would see a Square cash advance offer after the current loan was paid at 100%. Some are still receiving loans like before, while some customers would see a square cash advance, which will be a short-term loan while others will still stay the same. I don't understand the reasoning behind this or how they pick who will stay on a traditional loan like they are on or who will have to pay 100% just to be offered a cash advance. 

[Elizabeth07]

Anyone get an offer yet? I’m at 93% and still nothing … I keep moving % each day and still nothing!! 

[Dotr]

I have been 100% for weeks and not got an offer. Called to see if they have any red flags or anything on my account they advised no and read the script.

[marcyliz]

Been at 100% for 3 weeks now, still no offer.

[Thetattooshop23]

I am also at 93% and still nothing! I call and they tell me the same generic generated script every single time! 

[shannong]

Just about at 82% but of course I got a chargeback on $15 🙄 accepted immediately so hopefully it rolls off quick and doesn’t hurt my chances. Just going to keep processing sales and get creative to make the funds needed for my holiday inventory. At this point, when I pay it off, I don’t know if I’ll take another one. 

[Dotr]

Any updates? Anyone get any offers yet? 

[marcyliz]

Still nothing for me. 21 days after paying off, still in the green, still a record year for me. Nothing. 

[Timtom03]

Any offer yet?

[marcyliz]

Nope, nothing.  25 Days after paying off, everything still green, still processing more than I have any previous years. Super annoying to just get the shrug off from Square and hear "keep processing" or "it automatically checks daily to see if you're eligible!!"

[shannong]

82% and nothing. 

[Tamara3]

My last few loans this year came at 59% and 65% and 69% 

[kacey_k]

My second come in 20 days after being paid off and my third (current) came in at 51% paid off. Definitely no rhyme or reason to it.