Square loans 2026

[moxiemavenandco]

Hi! I am currently @ 49% paid of my 8th loan with square. Typically offers have come in at around 50-60% since. I have seen a few people mentioning that they now do a soft credit pull and am wondering if this pertains to personal credit or business credit? 

[Abby_M · Accepted solution]

Hi @moxiemavenandco 

Appreciate you taking the time to post.

New offers are not automatically extended when a certain percentage of an existing loan is repaid, but your business may become eligible for a new offer when your existing plan is closer to being repaid. This timing helps to ensure a significant portion of a new loan can be used to reinvest in your business directly rather than repaying your existing loan balance.

Keep in mind that we can’t guarantee that another offer will be extended before or after the current plan is complete. Repaying your existing plan does not guarantee that your business will be eligible for another offer.

Don’t hesitate to contact us directly if you have further questions or concerns.

[Abby_M]

Hi @LCOULL 

Thanks for posting on the Seller Community.

Your account is actively evaluated every single day for new offer eligibility. While automatic offers aren't triggered at specific repayment percentages or status benchmarks alone, your business's progress is constantly being monitored.As you continue making payments and growing your sales, our system will automatically notify you the moment a new loan offer becomes available!

Hope that helps, please feel free to reach out to us directly if you have any other questions!