Money to keep your business moving forward.

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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.


$9B+

Funds extended*

460K

Small businesses funded

PD01516 - capital trustpilot

*Includes MCAs, SBA PPP loans, and business loans from May 2014 to March 2021.

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. Learn more about eligibility for Square business loans.

  • 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 Financial Services 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 Square loan 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 Financial Services, Square Capital, and others are trademarks of Square, Inc. and/or its subsidiaries. Square Financial Services, Inc. is a wholly owned subsidiary of Square, Inc.

All loans 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.

Is your money just sitting in a checking account? With Square Savings, your money is designed to grow. There’s no minimum to start earning our 0.50% APY (which is 8x the national average). Start with an amount you’re comfortable with—and enjoy how far it can go.

Savings accounts are provided by Square Financial Services, Inc. Member FDIC. Annual percentage yield (APY) of 0.50% or more will apply until 12/31/2021, after which the APY in-effect at that time will apply and will be subject to change. No minimum deposit is required to open an account, and no minimum balance is required to obtain any advertised APY. Accounts will not be charged monthly fees. Accounts are FDIC-insured up to $250,000.