Square Capital

Get a loan to grow your business.

See if you have a loan offer

How it Works

Easy application, fast funding, and effortless payback.

For eligible Square sellers, Square Capital offers exclusive access to small business loans to grow your business. Whether it’s payments or funding, Square is your trusted financial partner every step of the way.

  1. 1. Quick application

    Log in to your Dashboard to see if you have a loan offer through Square Capital. Application takes only a few clicks and there are no long forms to fill out or long waiting periods.

  2. 2. Fast funding

    Upon approval, your small business loan is deposited in your bank account as soon as the next business day. The funding comes just as reliably as your daily deposits.

  3. 3. Simple payback

    Pay off your loan with convenient automatic deductions from your daily card sales so you never have to think about it. You can also prepay at no additional cost.

If you’re not yet selling with Square, sign up, start taking payments, and grow your business to become eligible for a loan through Square Capital.

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How Square sellers use funds through Square Capital.

  • Inventory
  • New equipment
  • Overhead and everyday operations
  • Short-term cash flow management
  • More staff
  • Expansion or new space

Learn more about Square Capital.

Square Capital by the numbers.

Funds extended

$1.5 billion +

Merchants served

130K +

Loan amounts from

$500–$100,000

Includes MCAs and loans between May 2014 and March 2017.

Convenient Repayment

Payback is a breeze.

Square automatically takes a percentage of your daily card sales to align with your cash flow. There’s no bill you have to remember to pay back—just do business as usual and go about your day.

No hidden fees

We charge one flat fee for the total borrowing cost of your small business loan that never changes. We show you clearly how much you’ll pay back, and you can see what percentage of daily card sales we’ll use to repay your loan.

  • No application, origination, or closing fees
  • No fees for early repayments
  • No compounding interest
  • No kidding

Read our FAQ

Estimate your loan repayment

Information from this interactive tool is made available to you for your independent use and is for illustrative purposes only. Number of days to repay may vary based on your actual daily card sales and fixed repayment rate. Loan eligibility requirements still apply.

Eligibility

It comes down to your sales history with Square.

Eligibility for a loan through Square Capital is determined by factors like processing volume through Square, account history, and payment frequency. Eligible Square sellers receive an email and a notification in their Square Dashboard.

See if you’re eligible for a loan through Square Capital.

Check your dashboard

If you’re not yet eligible:

See how to increase your chances of getting Square Capital

Let us know you’re interested

Testimonials

We used our most recent Square funding to purchase in bulk for the holiday rush. As a result, we experienced a 54% increase in sales compared to the same period last year.

Tod Wilson, Mr. Tod's Pie Factory

Square Capital, LLC is a wholly owned subsidiary of Square, Inc., d/b/a Square Capital of California, LLC in FL, GA, MT and NY. All loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank. Member FDIC, located in Salt Lake City, UT. 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. All loans are subject to credit approval. Square Capital, LLC is a licensed servicer and debt collector in AK, AR, AZ, DE, ID, IL, IN, MN, NC, NJ, NY (Buffalo), OR, TN, UT, WA, WV. FW0417