Square loans 2026

moxiemavenandco · ‎01-22-2026

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 · ‎01-23-2026

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
Square Loans Team
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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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Twpchair · ‎04-02-2026

Here we go!!! 1 more down. It can take 1-3 days, depending on the day of the week and the time you received it. Just watch your dashboard; if no information is needed, it's just a tad behind. There's been a big push! Congratulations again!

Tammi
Owner of The White Pallet Chair
Square Champion, Expert and Advisor

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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!

Abby_M
Square Loans Team
Sign in and click Mark as Solution 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.

Silentmach

I am not going to lie, I am like on my 9th loan and just feels like a slap in the face that square has changed the requirements so much and won’t give us transparency. The usually would offer me new offers at the 70-72% range the last one was at 60% and my largest. I have it paid off at 91% with everything in the green at both locations. And have been pushing my customers towards card vs check or cash. And still nothing, they conditioned us for 3 -4 years of getting new offers at a certain threshold but now nothing. It is very frustrating.