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Navigating Your Square Capital Online Account FAQ

Welcome to Square Capital! Below are some tips on navigating your online account.

How do I access my Square Capital account?

  1. Navigate to Square Capital and enter the email address you provided in your loan application.

  2. Click Request Link and we’ll email you a unique sign-in link (it expires in five minutes).

  3. Check your email for a message with the subject line, Square secure sign in.

  4. Click Sign In to access your Square Capital account.

I can’t find the email with my unique link. What do I do now?

  • When entering your email address, be sure to use the email you provided in your loan application.

  • Check your email spam folder.

  • Search for the most recent email subject: Square secure sign in.

  • Go back to the Square Capital account page and request a new link.

Still can’t find it? Contact us.

I can’t log in to the email account associated with my loan. What do I do now?

Please reach out to your email provider. Square Capital doesn’t have access to your email account information, so we can’t help reset your email password.

Why does the unique link expire after 5 minutes?

This helps keep your information and identity safe. Don’t worry—if you need to view your Square Capital account again, enter the email address you provided in your loan application and we’ll send you a new unique link.

Can you help me understand the “Loan Details” section in my account?

Total Paid: The dollar amount that has been successfully repaid toward your total owed balance
Total Remaining: The dollar amount of remaining scheduled payments
Loan Amount: The dollar amount borrowed
Loan Fee: The one-time fee added on top of the Loan Amount
Pending Payment: A debited dollar amount toward your repayment that’s being processed.

Your Total Remaining and Total Paid balances will update when the debit has cleared. You’ll see your Pending Payment amount while the debit is processing, which may take up to 10 days.

How much do I owe?

After accepting the loan, you’ll see your total as the Loan Amount plus the Loan Fee. It’s paid back over six months in fixed, monthly payments. Any applicable Unpaid Late Fees will need to be fulfilled as well.

How can I make an extra payment toward my loan?

You can make additional payments toward your business’s loan. Here’s how:
1. Navigate to your Square Capital account.
2. Click the three dots next to Loan Details.
3. Select Make a payment for repayment options.

On each scheduled monthly payment date, Square Capital will automatically debit your payment from the bank account provided in the application. The scheduled monthly repayment date is non-adjustable and defined in your loan agreement.

While your total amount owed will decrease — making an early additional payment does not modify your upcoming scheduled payment. The only exceptions are: (1) if you prepay the total remaining balance or (2) if the total remaining balance is less than your next scheduled payment amount — in which case, your next scheduled payment amount will equal your outstanding balance.

What happens if I miss a payment(s)?

If you can’t pay on time, contact us immediately. We can help you get back on track.

If your scheduled payment fails, you’ll see the Past Due Amount in red under Loan Details. If you miss a scheduled payment, you won’t get charged a late fee for a full month. After that, a 2% late fee will be applied monthly to any past due amount. You’ll also see Unpaid Late Fees in red under Loan Details.

To fulfill a missed payment:

  1. Navigate to your Square Capital account.

  2. Click the three dots next to Loan Details.

  3. Select Make a payment for repayment options.

How do I view my loan agreement?

  1. Navigate to your Square Capital account.

  2. Click the three dots next to Loan Details.

  3. Select Download Loan Agreement for a PDF version of the loan agreement.

How do I cancel my loan?

If you need to cancel your loan after it has been approved, you can do so within two business days after the time of approval.

If you choose to cancel your loan, your full loan amount will be debited from your linked bank account. Please make sure you have the funds available for this debit. You won’t be charged the loan fee (as long as the debit is successful).

  1. Navigate to your Square Capital account.

  2. Click the three dots next to Loan Details.

  3. Select Cancel Loan for loan cancellation options.

You will be unable to cancel your loan after two business days of your loan being approved. At this point, your business will be responsible for the full loan amount, including the loan fee.

How do I get in touch with someone about my loan?

Fill out a contact form and we’ll get back to you as soon as possible.

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