Square empowers small businesses with the technology and tools they need to thrive in the economy. We started by enabling sellers to accept card payments, and we continue to expand access to the financial system.

Small businesses drive economic output and new job creation, and act as an on-ramp for individuals to participate in economic growth. However, small businesses often face challenges accessing the financial resources they need. For example, access to capital can be an intimidating, time-consuming, and often unsuccessful process.

We started Square Capital to serve as a trusted partner to our sellers, facilitating the funding they need to take the next important step in their business. Square Capital’s relationship with Square puts us in a unique position to expand access to capital to more businesses of all sizes. Using technology and data, we bring simplicity, flexibility, and transparency to financial products, creating a more inclusive financial system.

Our approach to financial services, including facilitating loans, is rooted in aligning our interests with those of our sellers to support seller growth and success.

Economic empowerment

Small business is the lifeblood of the economy.

It drives economic output and job creation, and serves as an on-ramp for individuals to participate in economic growth.

65%

of U.S. jobs are created by small businesses.

48%

of U.S. employees are employed by small businesses.

46%

of U.S. sales are made by small businesses.

Frequently Asked Questions, 2011. U.S. Small Business Administration Office of Advocacy.
U.S. Small Business Profile, 2017. U.S. Small Business Administration Office of Advocacy.
Frequently Asked Questions About Small Business, 2012. U.S. Small Business Administration Office of Advocacy.

Square powers small business.

Square empowers small businesses with the technology and tools they need to start, run, and grow.

85%

of Square sellers live outside the 25 most populous U.S. cities.

Traditional borrowing is difficult for a small business.

71%

of small businesses do not receive the funding they want.

2016 Small Business Credit Survey. Federal Reserve Banks.

The top reasons for lending denial are solvable.

Square Capital facilitates loans to prequalified sellers based on real-time payment and point-of-sale data. These customized loan offers eliminate the lengthy (and often unsuccessful) loan application process for the seller.

31%

Insufficient collateral

29%

Low credit score

28%

Insufficient credit history

2016 Small Business Credit Survey. Federal Reserve Banks.

A traditional bank looks at us and goes, oh you’re so small—nope! You’re just written off. Without places like Square, we may never have been able to get a loan.

Larissa Wilson, Hannah’s Gluten-Free Bakery, Mesquite, Texas

Small business in your community

Expanding access.

We work to empower small businesses in America and build a strong economy that lifts everyone up.

54% of loans through Square Capital went to women, compared to 18% of traditional loans.

37% of loans through Square Capital went to minority-owned businesses, compared to 26% of traditional loans.

Square Capital statistic: Based on a January 2017 survey of 7,000 respondents
Traditional loan statistic: SBA Lending Statistics for Major Programs as of 9/30/2016

We have a proven record with our sellers.

Square Capital is a trusted partner to small businesses. We bring simplicity, accessibility, flexibility, and transparency to financial products.

$1.8B

Facilitated

$6K

Average loan size

141K

Sellers

84%

Say Square Capital helped them grow

Includes MCAs and loans between May 2014 and June 2017.
Square Capital statistic: Based on a January 2017 survey of 7,000 respondents

Meet our sellers

Testimonials and videos reflect the views and opinions of the customer. Actual results from taking a loan through Square Capital may vary.

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