Solved: Square loans 2026 - Page 4

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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HeavenlyLawnSvs

Yes confirming that most offers have for our company been January -April with April being the most dominant month!

Twpchair

April, August, and December are leading it for me. Those all fall right after the busy 2-3 months, though, for me. Retail tends to be a little easier for offers than for beauticians and barbers. We swipe 85% cards 7 days a week. Run a 3-day floor clearance to boost numbers and trigger an offer, such as an end-of-the-month invoice drop. It all helps

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

Twpchair

Thank you so much for the stats. I always forget to do it. It helps to put things into perspective. Nice to see you back here, thank you!

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

BG77

Stats and data would be very helpful. It at least gives us an idea of what’s going on instead of leaving us wondering and guessing. I myself started to question if Square was even still giving loans so this data is good to see.

Twpchair

Transparency would be amazing! We only see the ones who post here, and they are always looking to see what the average is. Yes, Square has increased loan sizes and numbers. We're all a small splash in a big pond. We do help each other stay informed, and that's why this forum is so important and helpful.

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

Twpchair

I agree 100%. I don't see why stats, data, average loan per day, etc., shouldn't or couldn't be posted quarterly. We can look it up ourselves, so why not pin it to the top? I would think most people would be more aware of, or have a better understanding of, the big picture: how many loans are issued and how many users accept offers. I know I look at it. As a business owner, I am extremely transparent and keep the guys and gals informed. It helps them, as well as explaining why it's a busy week or anything that involves them; they should know, IMO.

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