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Square Capital Eligibility FAQ

How is my eligibility for loan offers determined?

Offer eligibility is based on a variety of factors related to your business’s Square account, including payment processing volume, account history, and payment frequency. Learn more about eligibility.

When will I be eligible for another loan?

If you don’t see an offer in your Square Dashboard, your business isn’t currently eligible to apply for Square Capital. However rest assured, Square sellers are reviewed for offer eligibility on a daily basis. Because eligibility is based on factors related to your Square account, including processing volume and payment frequency, the more you use Square, the more likely you are to become eligible for an offer through Square Capital. If you become eligible, you’ll be notified directly on your Square Dashboard and via email. Learn more about becoming eligible again.

Will I be eligible for a new loan if I pay off my current loan through Square Capital early?

Making an extra payment or paying off your loan early will not not increase your chances of getting another loan offer through Square Capital. Eligibility for another offer is not guaranteed, regardless of whether you prepay your current loan. Also, keep in mind that making a loan payment through the Square Dashboard will expire any existing loan offers. Learn more about early payment.

Can I apply for a loan even though I currently do not have a loan offer available?

We are unable to accept a loan application if you do not currently have a loan offer available in your Square Dashboard. Loan offers cannot be manually created, but keep in mind that Square accounts are evaluated daily for additional offers through Square Capital.

If you become eligible, you’ll be notified directly on your Square Dashboard and via email.

What are some eligibility factors I should be aware of?

There are a number of factors that could be impacting your business’s eligibility for a loan offer through Square Capital, including chargebacks, debit failures, associated accounts with outstanding loans through Square Capital, and processing behavior. Learn more about eligibility.

For more information about the eligibility process, follow Kaitlyn, a fictional Square merchant who is interested in receiving an offer through Square Capital. Check out her story on our Seller Community.

Square Capital, LLC and Square Financial Services, Inc. are both wholly owned subsidiaries of Square, Inc. Square Capital, LLC d/b/a Square Capital of California, LLC in FL, GA, MT, and NY. All loans are issued by either Celtic Bank or Square Financial Services, Inc. Square Financial Services, Inc. and Celtic Bank are both Utah-Chartered Industrial Banks. Members FDIC, located in Salt Lake City, UT. The bank issuing your loan will be identified in your loan agreement.  All loans are subject to credit approval. FW1118