Owning a business often means seeking growth opportunities, planning for expansion, or even weathering the occasional storm. The truth of the matter is that each of these components requires an upfront investment, impacting cash flow. Traditional financing options, like bank loans, can be slow, paperwork-heavy, and inaccessible to many owners who need capital quickly to seize opportunities. This funding gap can limit growth and even threaten business survival.
Square Banking1 offers a faster alternative, placing money management directly inside the tools you already use to run your business. It’s banking embedded in your business, giving you instant access to your funds and a clear picture of your cash flow — all in one place. At the heart of Square Banking is Square Loans, a financing option built to move as fast as your business. Instead of being based on credit scores or long applications, Square Loans are tailored to your actual sales, giving you the flexibility you need.
Square has issued over $26.5 billion in loans globally to more than 900,000 sellers*.
In this ebook you’ll discover:
- Real-life examples of how businesses across industries have used Square Loans to grow
- Relatable stories of how Square Loans have helped business expand operations with confidence
- Proof points of how Square Loans have helped businesses navigate unforeseen challenges
*Source: Internal Square Data, 2025
Square, the Square logo, Square Financial Services, Square Capital, and others are trademarks of Block, Inc. and/or its subsidiaries. Square Financial Services, Inc. is a wholly owned subsidiary of Square, Inc.
1All loans and Savings accounts are issued by Square Financial Services, Inc., a Utah-Chartered Industrial Bank. Member FDIC. Actual fee depends upon payment card processing history, loan amount and other eligibility factors. A minimum payment of 1/18th of the initial loan balance is required every 60 days and full loan repayment is required within 18 months. Loan eligibility is not guaranteed. All loans are subject to credit approval.
Savings accounts are provided by Square Financial Services, Inc. Member FDIC. Accrue annual percentage yield (APY) of 1.00% per folder on folder balances over $10. APY subject to change, current as of 2/18/2025. No minimum deposit is required to open an account. Accounts will not be charged monthly fees. Accounts are FDIC-insured up to $2,500,000. Pending balances are not subject to FDIC insurance.
Square Checking is provided by Sutton Bank, Member FDIC. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted. Accounts are FDIC-insured up to $250,000. 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.
