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? 

[BoBos228800]

Only my first loan with square and paid majority of it in a span in 3 months. Been sitting at 90% and still nothing. They definitely took their money faster than I expected 

[Tamara3]

I’m looking into other card precessors atm I’ve been doing business with square for 9-10 years my loan offers and insanely low for the fact I’m making 6 figures a year. $3,000 loans are no longer working for me. I’d they would offer a at least 30% of what I process then that would help but $3000 is less than 1% of my processing so it’s really insulting and makes me feel they are either discriminating or not being honest in their advertising. Personally is the SBA can look at my financials and offer $100,000 loan then something is up with square. My stats are green and I’ve tripled last years income and never had a dispute yet they have disputes at needs work and processing needs work and I’ve paid 68% of loan back today. Ridiculous 

[kacey_k]

That would be frustrating to say the least. I would totally think you would get more than $3k 😳 I hope you’re able to find what works best for you!! Im Currently sitting at 75% but not getting my hopes up at all. It will come when it’s my time and when it’s supposed too. I REALLY wish Square would have more consistency. 

[Tamara3]

Me too I’m a hair dresser but I also do lashes and waxing and hair extensions. Most of my clients use cards to purchase hair from me which is pretty fair amount even though I’m a little cheaper than some on those services and $3,000 loan is kind of crazy if you ask me especially with my payment history. Only 1/4 of my clients process through square some pay cash or Venmo cashapp Apple Pay and really I would process more through square if I had a bigger loan. Crazy as that sounds I don’t really push using square because paying back $3,000 is no sweat to me it’s like a little chunk change payday loan. I’m thankful they offer something but I always take the offer in hopes that one day the loan will actually be a reasonable amount but 9-10 years in and it’s the same amount as when I was processing $20,000 a year… so kind of pointless I would really like a processing company that would offer something credible even $10,000-$15,000 to use for expansion or furniture. $3,000 is what I spend a week in products it doesn’t go far for me.. 🥺

[Minion]

Why not look into a LOC for your business? It will at least build your personal and possibly business credit depending on which bank you use and what bureaus they report to.  That way ithey can give you that one on one and increase your line over time with good payment history and habits etc.

[Tamara3]

Actually I have never even thought of it but Thank you that’s a great idea 

[Minion]

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@Tamara3 wrote:

Actually I have never even thought of it but Thank you that’s a great idea 

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It will be a few more jumps and hoops to get through, but once you get it established, it will be more worthwhile in the long-run!

[Tamara3]

They just updated my eligibility factors all are great they fixed the disputes and processing volume after I emailed them about why my account said that. I’ve never had a dispute and my processing is tripled so it made no sense for either of those to say needs work. 3 days last week I processed over $2,500 a day on those days I would say for a stylist my processing is high but at 67% still no offer my finger are crossed something will come through 

[Adalynn]

Hey @Tamara3 

We appreciate you sharing your experience on the community!

Offer sizes are mainly based on your business’s most current processing activity. We also consider your business’s history with Square and progress on any plan that’s currently active, among other factors.

Please let me know if theres anything I can do to assist.

[Tamara3]

Hi there,

I appreciate your response, but based on my current business performance and history with Square, I believe I should already be eligible for a new offer. I’ve been with Square since 2017, have never had a single dispute, and have consistently demonstrated strong repayment behavior in paying off every previous loan within three months.

I’m already at 70% repayment on my current loan in just three months, and my sales in 2025 have more than tripled compared to last year, which is clearly reflected in my recent processing volume.

Given my long-standing, positive relationship with Square, consistent repayment record, and significant business growth, I’d appreciate a review of my account for an updated loan offer.

Thank you for your time and attention. I’m confident my track record speaks for itself.

kind regards,

Tamara

[Minion]

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@Tamara3 wrote:

I’m looking into other card precessors atm I’ve been doing business with square for 9-10 years my loan offers and insanely low for the fact I’m making 6 figures a year. $3,000 loans are no longer working for me. I’d they would offer a at least 30% of what I process then that would help but $3000 is less than 1% of my processing so it’s really insulting and makes me feel they are either discriminating or not being honest in their advertising. Personally is the SBA can look at my financials and offer $100,000 loan then something is up with square. My stats are green and I’ve tripled last years income and never had a dispute yet they have disputes at needs work and processing needs work and I’ve paid 68% of loan back today. Ridiculous 

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 Keep in mind also that most SBA loans compound interest daily/monthly. @Tamara3 

[kacey_k]

Loans 1-3 are usually the longest and most paid off in my experience that way the algorithm can learn your patterns 

[Tamara3]

Yes I’m on loan 9 with square this is my 9th year and my sales this 2025 year are up +239.21% and the last week it shows sales are +1,239% like I’m at 72% probably 74% by tonight. I usually have an offer way before now..

[Tamara3]

Have you received an offer?  I’m at 70% as of yesterday, I usually have already received an offer at this point my current loan is 3 months old but even they dropped repayment on this loan to 13.5% and I’m still paying off in 3-4 months. Fingers crossed you and I get something soon! 

[shannong]

Almost at 85% and nothing. 

[Kd270]

I got an offer at 79% on Sunday but it’s 4,000 less than my last offer. I haven’t accepted yet, trying to decided if I want to wait on a higher offer. My sales are picking holidays and events so I’m hoping that helps. I’m also scared if I don’t take it I won’t get another offer. 

[kacey_k]

I wish I could help you but I’ve never not accepted an offer so I don’t know what that looks like. But if your sales are up and everything then I personally would wait it out and get that loan as close to 100% paid off

[Tamara3]

Have you gotten an offer yet? I’m at 75% now and I’m gonna start asking clients to pay with cash… I’m literally trying to get a new offer yesterday my sales were $11,000 some invoices were paid and I asked them to pay with cash just because I needed the extra minus the fees. I’ve double sales since my last loan and I’ve contacted gloss genius to get started back with processing cards again through them because they seemed to offer better loans and more predictability 🥺

[kacey_k]

I didn’t even know Gloss Genius offered loans. I love square but wish they had more predicable loans. Sending you positive jujus. I’ve not received a loan offer at all I am 75% my last one came in under 60%