Hello everyone,
I’m a Japan‑based seller using Square Loans / Square Capital, and I’m hoping to hear from others who may have had a similar experience.
Recently, I made a manual prepayment through my Square Dashboard to pay off my current loan.
On the following day, I processed normal card sales, which caused the automatic repayment to overlap with the prepayment, resulting in a small reconciliation / overpayment adjustment.
After that:
- The loan status moved to Completed
- I received the loan completion confirmation email
- My Eligibility metrics are currently all marked as “Good” in the dashboard
As of today, it has been 8 business days since the loan completion date (U.S. business days), but I have not yet received a new loan offer.
Since my business operates in Japan, I understand that timing can sometimes look different from a U.S. seller’s perspective (time zone, evaluation windows, etc.).
I’ve also seen posts from Square Champions mentioning that when a manual payment is involved, it can take 7–10 business days before re‑evaluation begins.
I wanted to ask specifically about sellers who had:
- A manual prepayment
- Reconciliation due to overlapping automatic deductions
- A quiet period after loan completion
If you experienced something similar, how many business days did it take before a new offer appeared (if it did)?
I’m not looking for a guarantee or prediction — I’m simply trying to understand real‑world timelines from sellers with comparable situations.
Thank you very much for your time and insights.
