Square Capital provides access to loans to help you grow your business. Because we know each individual business is unique, eligible Square sellers are extended Capital offers that are personally tailored. You can use Square Capital to increase inventory, buy equipment, or hire more employees, whatever you need to help your business grow and succeed.

Square Capital is a loan product made with simplicity of all Square products. There is no lengthy application, just a few clicks on your Dashboard. Your funds are deposited in your bank account as soon as the next business day. Repayment occurs as a fixed percentage of your daily card sales. You pay one flat fee to borrow the loan. This fee never changes.

Note: Numbers are for illustrative purposes only.

Loans through Square Capital have an early repayment option, giving you even more repayment flexibility with no penalty. All Square Capital loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

Get Started with Square Capital

First, you’ll need to check your Dashboard to see if you have an existing offer. If you are eligible for a Square Capital loan, you’ll see your loan offers displayed on your Capital Tab. If you have any questions about Square Capital, check out our FAQ.

If you don’t see an offer, you aren’t currently eligible but we are always reviewing accounts for eligibility. Remember - the more you use Square, the more likely you are to become eligible for a Square Capital offer. Loan eligibility is based on a variety of factors related to your business, including its payment processing volume, account history, and payment frequency.

Select and Accept your Offer

Click and drag the slider bar to select the amount that’s right for your business. As you slide across different loan amounts, the fee and hold rate will adjust accordingly. The lower the loan offer size you select, the lower the percentage of daily card sales used to repay your loan. Once you accept your offer, all fees are fixed. For a more in-depth look, see a full breakdown of Square Capital’s Fees.

Capital Offer Screen

Note: Numbers are for illustrative purposes only.

Capital Review Process

Once you have submitted your application, your request is sent over to our Capital team for review on behalf of Celtic Bank. We may request a few extra pieces of information from you during the review process. Check out this information from us to help you through the review process:

Square Capital Information Request Form FAQs
Tips for Verifying your Business Information for Square Capital
Have you been declined by Square Capital?

Repay your Capital

Your Square Capital repayment will happen automatically through a fixed percentage of daily card sales. We also have some additional options that may suit your business better.

Square Capital Repayment Options
Paying Back Your Loan Through Square Capital Early

Additional Offers

Once you’ve completed your first offer, you may become eligible for additional Square Capital. If you are eligible for additional Square Capital, you’ll follow the same steps to accept and pay back your Capital.

Becoming Eligible For Another Loan Through Square Capital

Still need help? Ask the community

Visit community forum