Solved: Re: October 2025 Loan Offers - Page 6

shannong · ‎10-10-2025

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?

Abby_M

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.

Abby_M
Square Loans Team
Sign in and click Mark as Best Answer if my reply answers your question.

This is a service email from Square Financial Services, Inc., a wholly owned subsidiary of Block, Inc. All loans are issued by Square Financial Services, Inc, a Utah-Chartered Industrial Bank, Members FDIC.

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Tamara3

I will say they have evaluated and are looking at loan offers for businesses Friday I was showing a needs improvement for dispute with all others green. The dispute was dropped by the customer and was not my fault and today it shows all tabs green. In 9 years I’ve never had one dispute on my account. I’m 61% paid on loan which I accepted on July 29th 2025. So I have paid 61% in 3 months and I’m hoping for a new offer this week fingers crossed

kacey_k

Yes I have to agree because mine showed processing volume needed work on Thursday and then over the weekend. It shows good so I’m all in green again and I think I’m at like 71%

Abbie913

Do you mind if I ask how much they were and what month they were offered ?

Tamara3

I see a pattern for March13 2024 May 17th 2024 and November 23rd 2024 for 2024. This year was March 7th $1180, May 24th was $2440 and July 29th was $2900. To me the 3rd and 4th weeks is when I get my offers. Not really an algorithmic type thing but more consistently through all 9 loans I’ve been offered.

Doe777

Im also at 80%nand everything in the green. Hoping the offer comes soon.

addisonsgrace

Any update? I am at 82%

shannong

Almost 84%. I have a small dispute in bank review that I accepted, hoping it falls off soon.

Tamara3

Nothing I’m at 64% today and nothing I haven’t received any emails and have been checking daily. I’m sure it’s coming any day now

kgucc

I’m at 90% and nothing!

Tamara3

That’s crazy is your processing up?

kgucc

It is! I’m at 94% today, still nothing.

Tamara3

Yes currently I’m averaging anywhere from $300-$1000 a day in cards. They have my payback % at 13.5% the loan before this was payback 15% of my sales but this loan is a lower percentage and still paying back in 3-4 months on an 18 month loan

Tamara3

I just notice they updated my loans eligibility factors

on my dashboard all are greet now. It says updated November 11th at 12:11 pm

Doe777

No updates yet. I am at 82%.. But here is some info....a friend of mine in the same field as me received a loan offer from square and she was only at 69%. The offer was double the amount of the first loan. I am trying to be patient but rrrrrrrrrr

shannong

I’m at 84%. They gave me a generic response yesterday of course. Just frustrating.

Tamara3

Maybe mine will come they did evaluate my loans eligibility and updated my factors to all green today at 12:11 so I guess they are looking at accounts I’m at 67% repaid and usually I get an offer by now.

Tamara3

They reviewed my account today was wondering if you got an offer?

Dotr

I Have been paid off since October 5th still no new loan offer Im starting to think they are not offering anything right now.

Tamara3

I’m wondering that also because I’ve had 3 loan offers this year when I hit 68%, 59% and 62% all of those 3 months of paying back the loan which I’m at 64% 3 months of having this loan it’s an 18 month loan term. Since 2017 square I’ve noticed offers November loans in the 2nd and 3rd week of this month. Seems like most offers for me come the 2nd and 3rd week of the month but maybe just coincidence idk.

kacey_k

My very first loan ever was November of last year and I’m currently on my 3rd and I’m at like 75% paid back or more. Here in the next couple weeks I believe will be flooded with people saying “I got my loan” and one better time than right before Christmas to get ready for all those Christmas promos

shannong

I do feel like there is truth to this. Historically, all but 2 loans have been January, May, or November for me. The other 2 were my first 2 lol

I am almost at 84% and almost paid the loan amount off just paying the fees now. ($400 more and the actual loan is paid)

I do have a $15 dispute 🙄 I accepted it and I’m waiting for her bank to send it back to Square as accepted so it can be closed out finally. I’d be surprised if I didn’t get another offer right at the end of this month.

just have to keep pushing and act like it doesn’t exist at this point lol. Honestly, I feel like if I pay it off I’ll probably refrain from getting another one because sometimes it can take $100+ of my sales for the day and I am paying over $1k back each month which could be put into bills and inventory instead.