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Money to keep your business moving forward.

Square Capital small business loans from $300—$100,000.

Check for offers

Not a Square seller? You could become eligible by processing with Square.

Get a customized offer based on your card sales through Square, and then choose your loan size.


There’s no ongoing interest.
Just a simple flat fee.

Repay it automatically with a percentage of your daily card sales through Square.


Pay less on slow days. And a little more when sales are strong.

It’s your business.
Get more money to do it.

Our loans are tailored to your unique business. We’ll offer as much as we believe will help you move forward—not hold you back. And you can use the money on anything for your business.



Small businesses deserve more credit.

Whether you want to grow, evolve, or just maintain, you deserve access to the type of funding options big business gets.


$6.8B+

Funds extended*

340K+

Merchants served

PD01516 - capital trustpilot

*Includes MCAs and loans from May 2014 to March 2020.

FAQ

  • How do I repay this loan?

    A fixed percentage of your daily card sales is automatically deducted until your loan is fully repaid. If sales are up one day, you pay more; if you have a slow day, you pay less. A minimum of 1/18 of the initial balance must be repaid every 60 days.

  • Can I request a different loan amount?

    Yes. If you’d prefer a different loan amount, use the slider above to select the amount that best fits your business—up to your maximum offer amount. As you adjust your loan amount, the flat fee and percentage of daily card sales change accordingly.

  • How do you determine my business’s loan offer?

    Loan eligibility is based on a variety of factors related to your business, including its payment processing volume, account history, and payment frequency. To learn more about how you may become eligible for a loan through Square Capital, please see our FAQ.

  • Can I prepay the loan?

    Yes, you can make prepayments at any time at no additional cost. The total amount you owe does not change due to prepayments.

  • What happens if I miss a payment?

    If your daily card sales cannot cover the minimum payment, Square Capital may debit the remaining minimum payment amount due from your Square-linked bank account.

  • Are there late fees?

    No. There are no additional fees added to your total amount owed.

  • Does applying for a loan affect my credit score?

    No, applying for a loan through Square Capital doesn’t affect your credit score. Additionally, we don’t require a personal guarantee for your business to take a loan.

Still need help? Check out the Square Support Center.

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