Square Capital

Get a loan to grow your business.

Square Capital

How it works.

For eligible Square sellers, Square Capital offers exclusive access to business loans to grow your business. Whether it’s payments or funding, Square is your trusted financial partner at every step.

1. Easy application

Log in to your Dashboard to see if your business has 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. Fast funding

Upon approval, your 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. Effortless payback

Pay off your loan with convenient automatic deductions from your Square daily card sales so you never have to think about it. You can also prepay at no additional cost.

Not selling with Square?

Sign up today, start taking payments, and grow your business. Then see if you become eligible for funding through Square Capital.

Some ways you can use Square Capital.

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

Square Capital by the numbers.

$5B+

Funds extended

275K+

Merchants served

$500–$250K

Loan amounts offered

Includes MCAs and loans between May 2014 and June 2019.

Payback is a breeze.

Your loan is automatically repaid using a percentage of your Square daily card sales to align with your cash flows. You don’t have to think about repayment—just do business as usual and go about your day.

Fees you can understand

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 your Square daily card sales will be used to repay your loan.

  • No application or closing fees
  • No fees for early repayments
  • No compounding interest
  • No kidding

Read our FAQ >


Eligibility comes down to your 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.

“We’re just a small business that started from our home. We’re opening new locations, embracing our community—but a traditional bank looks at us and goes, oh you’re so small—nope! Without Square, we may never have been able to get a loan.”

Larissa Wilson, Hannah’s Gluten-Free Bakery

Testimonial reflects the views and opinions of the merchant. Actual results from taking a loan through Square Capital may vary.

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. 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, loan amount and other eligibility factors. Loan eligibility is not guaranteed. All loans are subject to credit approval. Square Capital, LLC is a licensed servicer and debt collector with the following License Information. FW1118