Square Capital provides access to loans to help you grow your business. Based on each individual business, eligible Square sellers are extended unique 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 and the total amount owed never changes.

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Also, 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.


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Remember - the more you use Square, the more likely you are to become eligible for a Square Capital offer.

Select and Accept your Offer

If you are eligible for Square Capital, you’ll see three personalized offers. Select the offer that fits your business best. While all fees are set, we have a full breakdown of Square Capital’s Fees for a more indepth look.


Note: Numbers are for illustrative purposes only.

Capital Review Process

Once you have selected your plan, your request is sent over to our Capital team for review on behalf of Celtic Bank. Occasionally, we will 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 but we have some 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

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