Easy solutions to keep your business’s cash flow healthy.
Whether you need to cover day-to-day operations, handle an emergency, jump on an exciting opportunity, or take care of any other cash-flow need, Square can help your business maximize its funds coming in and cover its funds going out.
Keep your cash coming in.
Never miss a sale when you use Square. Whether it’s in person or online, Square offers flexible payment options that make it easy for your customers to pay. Starting at 2.6% +10¢ per transaction.
Square Payments
Accept every way your customers want to pay. Square has hardware for your counter or on the go. Magstripe, chip card, or NFC (phone payments)—accept them all with our readers. You can also get paid remotely by keying in payments, even without a signal.
Also, the free Square Point of Sale app has tools to help you manage every area of your business, such as inventory management, customer directories, and digital receipts.
Square Invoices
Send online invoices free, track them free, and only pay fees for invoices paid by card. Accept credit or debit card payments securely online, and track offline payments made in person or by check. Customers are not charged a fee—no matter how they pay. Also, customers can choose to store their card information securely with Square, making it easier for them to pay you next time.
Funds from your paid invoices are transferred to your bank account as fast as the next business day.
Cover your cash going out.
When your business processes its payments through Square, it can access sales proceeds fast and become eligible for financing. This helps ensure you have sufficient funds to pay your expenses.
Instant transfers*
Sellers can get their funds from sales processed through Square instantly. You can send money to your bank account in a tap with instant transfers. This can help you cover day-to-day expenses or pay for emergencies. It’s available 24/7. Whether it’s late at night or on the weekend, Square is always ready to move your money when you need it.
Square Capital**
For eligible Square sellers, Square Capital offers access to small business loans. You can use the funds to take advantage of new opportunities for your business, pay for expenses you didn’t plan for, fill an occasional cash-flow gap, or any other business need. Also, paying back your loan is easy—Square Capital automatically takes a percentage of your Square daily card sales to better align your repayment with your cash flow.
Square Checking
Square Checking*** is the easy and convenient way to manage your money coming in and going out. The free business checking account gives you instant access to your Square sales. Make a sale and use your business debit card to spend that money right away on inventory, supplies, or any other business needs. And keep your business expenses separate from your personal expenses to make your accounting easier.
Keep your cash flow positive.
*Instant transfers require a supported debit card and costs a fee per transfer. Funds are subject to your bank’s availability schedule. Minimum amount is $25 and maximum is $10,000 in a single transfer. New Square sellers may be limited to $500 per day.
**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. Loan eligibility is not guaranteed.
***Square Checking is provided by Sutton Bank, Member FDIC. Funds generated through Square’s payment processing services are generally available in the Square checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues