December 2025 Square Loans

[beautyspabrow]

This is my 18th loan with square, these loans have helped build my business tremendously since 2019. my lowest offer being 2100 to now paying off my highest of 38,900 - 80% paid off - always early pay off before the due date metrics.. I know the usual square verbiage "no guarantee of an offer, must be 3/4th paid for any hopes" etc.. just wondering if anyone please in similar shoes as me, has seen an offer in December yet? I desperately need this holiday boost , all metrics green and I could almost swear id have one by now .. usually I hit from lowest 54% to highest 87% but majority have been BEFORE hitting 80%... getting anxious. Anybody getting a loan recently?

[MJM33]

I know for Thanksgiving it popped up Needs Work and also this afternoon. Only a hand full of places operate on Christmas day. That should be excused. 

[Twpchair]

Mine popped up, too, and I was closed for half a day for Christmas Eve and Day. We got pounded by the ice storm on Friday. It takes a week, and I usually bounce back. There is a part in our settings for days open and closed. I totally forgot to adjust it this year. Good luck and hopefully soon!

[kacey_k]

I actually changed my settings and my hours and it didn’t help me but I can’t speak for everyone cause we all are different. 

[NicholeK2]

Hi All, any updates?  We are at 69% paid off and we are all in the green- have had several loan offers before and all came in at random amounts paid varying from 45-84%.  We're opening up our second location this month and it would be so helpful.  Was curious if square might be waiting until the new year in general.  Anyone with offers in late December?

[DHVAC]

Nope, nothing.

[Cafegripons21]

One account was paid off 100% since December 16, we’ve been processing high volume I’ll say more than double but nothing triggers the offer yet lol. 

another account is 89% and not so slow but consistent. No offer. 

My other location paid off the 5th loan since August and don’t get another offer. 

Other location got an offer last end of November and deposited December 1st on 81% highest offer. 

one location experienced getting offers on 40% paid off in the past. 
now we are on 50% 

I have 5 locations in total and square is making it harder to understand.. 

[NicholeK2]

5 locations, good for you!  Curious what your processing volume looks like at your highest offer location.  Also cool if you'd prefer not to to say.

[Cafegripons21]

Thank you . 
I will say my processing was high and that Black Friday sales triggered it.last quarter of the year I’m always busy 

it’s weird cause the one that’s busiest don’t get any offer even it’s 100% paid off since December 16 

[Ptedwards13]

Just an update I received an offer this evening for about 1/4 of the loan I got last time and it needs to be paid back within 30 days. Im going to hold off on that in hopes something better comes in the upcoming days but just wanted to let you guys know they still are handing out loans apparently

[AnniPadanni]

Square is requiring it paid back within 30 days?  That's new, correct?  I've had 8 loans over 5 years and they have all been over 18 months.

[Ptedwards13]

Yep. Theyre calling it a "cash flow boost". $2,230.00 but pay it back in 30 days. Doesnt really make sense to me especially when I had $23,000 in sales the past 30 days but hey its square. Im looking to add a truck to my fleet of work vehicles so im gonna hold off in hopes of something better

[CTC95]

Of course my processing now says “needs work” because we were closed on Christmas Day. 68%, over a year since my last offer (it is a large loan though).

[MJM33]

It sucked to see mine change to it but I knew it was coming since it did the same for me Thanksgiving. 

[SHK25]

The title of this thread has been edited by a Square Moderator from the original: Dec 2025 loan offers

It’s the end of 2025.  Im sitting at 95% of my current loan being paid off but haven’t received any new offers. Anyone received any offers yet? 

[Sammie_C]

Thank you for your post, @SHK25!

Unfortunately on my side, I have limited information on the Square Loans process, but I am going to go ahead and tag in a few of our Loans experts and see they can provide some additional insight on this.

@marielmt and @Abby_M, could you all please take a look into this Seller's inquiry, please?

[Sweetpeach25]

Hi all. I recently took out my first square loan and paid it back in 2 months. Super early.. not been ask to do another yet, but. Here’s where I get confused…

anyday that I have a “slow day”, to where my numbers are lower that day- vs that day for the prior week, it will out “needs work”, at the processing volume report.

will that stop me from getting a loan? I only ask because you can’t control if a day is slower or you just don’t do more than the previous week. I guess I’m just confused 

[Minion]

Hi @Sweetpeach25  welcome to the Square Community. 

In a nutshell, yes that would effect eligibility for future loans.  Here is some reading on loans that you can take a look at.  The metrics page that you are referring to in your Dashboard should only be used as a very general guide on where you stand even If everything is green that does not mean that you will get an offer.  I say this because there is a lot of confusion here based on those metrics.  If you look at the banking boards in this forum or even search "square loan square community", you can see many data points from other sellers about the loans.

My best advice that I can give you when it comes to a Square loan is to not depend on them and not to assume you will get another one when one is paid off.  Keep conducting business as usual, growing your business. 

[Moody]

Hey everyone,

I just paid off my Square loan in full 🎉 but I’m not able to check my eligibility or see any requirements for future funding in my dashboard yet. (This has been like this for the last month or so before hand it would show my requirements or things I need to work on etc)

Has anyone else run into this after paying off a loan?

• How long did it take for eligibility to update?
• Did it eventually show on its own, or did you have to contact Square support?
• Was there anything specific you had to improve (processing volume, consistency, etc.) before it showed again?

Just trying to figure out what to expect and what I should be working on in the meantime. Any insight would be appreciated.

Thanks in advance!

 

[Minion]

HI @Moody 

Congrats on paying off your loan.  If it was a manual payment for the last payment I believe it will take about 10 business days to clear and the algorithm to kick back in before potentially being eligible again.  As for the eligibility factors page not displaying properly, you can try to access it in a different browser or in incognito mode to see if it is simply a cache issue with your current browser.  If that doesn't work you may need to get in touch with support to put a ticket in. 

[JonKT]

Restaurant business here. I’m currently paying off my 7th loan and am at 87% paid. All eligibility factors are green. My processing volume is about $88K since December of last year. I’ll keep you updated once I receive the offer email

 

[MJM33]

When you do, I'm curious to see if they offer you higher. I haven't seen anyone receive a higher offer in months.