Square Capital

Get a loan to grow your business.

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Your capital, your business

Square Capital gives you funds to grow your business—buy equipment, hire employees, increase inventory, and more.

Get funds fast

Your small business loan is deposited into your bank account as soon as the next business day.

Automatic repayment

Repay your loan with a fixed percentage of your daily card sales. Pay more when you’re busy and less if things slow down.

One flat fee

You’ll always know how much you’re going to pay—the total amount you owe never changes.

How it Works

From funded to repaid in three steps.

Square Capital is simple and straightforward. No hidden fees or long applications to fill out—just funds in your bank account fast, so you can invest them in your business immediately.

  1. Receive personalized loan offers to your business based on your activity with Square.

  2. You select the option that fits your business and funds are deposited as soon as the next business day.

  3. To help payments stay on track, a fixed percentage of your daily card sales goes to pay off your loan.

Choose a plan that works for you.

When Square Capital is offered, you’ll be given loan options. Select the amount and repayment option that works best for you.

Here’s an example.

Let’s say you select an offer for a $10,000 loan through Square Capital with a $1,300 fee. The total amount of $11,300 will be repaid automatically upon approval. Each day, 13% of your card sales with Square goes to pay off your loan—so you pay more when business is strong and less if things slow down.

Keep growing.

Additional funds are offered automatically to eligible sellers, so you can achieve your goals—and then set new ones.

Read our FAQ


No lengthy application process.

With Square Capital, there are no paper applications or long waiting periods. Eligible merchants receive an email and a notification in their Square Dashboard.

Already a Square seller?

Check your Dashboard to see if you’re eligible. Capital eligibility is determined by factors like processing volume, account history, and payment frequency. Learn more about how to get noticed by Square Capital and complete this survey to let us know you’re interested.

Interested in Capital but not currently a Square seller?

First, you’ll need to start selling with Square. Create your free account to get started taking payments. Then, as you actively run and grow your business with Square, you may become eligible for a Square Capital small business loan.


It’s really hard to get a loan out there. With the Square Capital program, we had the money in 24 hours.

Woody Lovell, The Barbershop Club

It just automatically pays back on its own. I never have to think about it.

Lindsay Wesley, Juxtapose Apparel & Studio

Square Capital, LLC is a wholly owned subsidiary of Square, Inc. All loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank. Member FDIC, located in Salt Lake City, Utah. Loans are not issued to borrowers in ND. The individual authorized to act on behalf of the business must be a U.S. citizen or permanent resident and at least 18 years old. Valid U.S. bank account and Social Security number or Individual Taxpayer Identification Number are required. Actual fee depends upon payment card processing history and loan amount. A minimum payment of 1/18th of the initial loan balance is required every 60 days, and full loan repayment is required within 18 months. All loans are subject to credit approval. Numbers are for illustrative purposes only.