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 only takes a few clicks and there are no long forms to fill out or long waiting periods. All loans are subject to credit approval.

  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.

Sign up free

How some Square sellers use funds through Square Capital.

  • Inventory and new equipment
  • Overhead and everyday operations
  • Short-term cash flow management
  • More staff
  • Expansion or new space
  • Any other business need

Learn more about Square Capital.

Square Capital by the numbers.

Funds extended

$3.1 billion +

Merchants served

200K +

Loan amounts from


Includes MCAs and loans between May 2014 and June 2018.

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

You pay one flat fee to borrow the loan. This fee 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 or closing fees
  • No fees for early repayments
  • No compounding interest
  • No kidding

Read our FAQ


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


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

Larissa Wilson, Hannah’s Gluten-free Bakery

Square, the Square logo, Square Capital, and others are trademarks of Square, Inc. and/or Square Capital, LLC. 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. 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. Loan eligibility is not guaranteed. All loans are subject to credit approval. FM0418