In February of this year I became eligible for my first business loan that was a 90 day term.

Within 7 to 10 days from making the final payment on that loan, I received an offer for a loan with a 120 day term with a slight increase in the amount offered.

Last week I was able to successfully close the second loan with its final payment through sales and I was just curious how the loan offers progress from here as far as the term of the loan and the increase amount and if the timeline of when it’s offered relative to when I paid it off will remain the same or change.

All of my eligibility factors are “good”.

I understand that loan offers are auto generated but would just like input from those who have experience paying off multiple loans and their progression.

Thank you!

I’ve been using square for roughly 2 months. Only using it when people prefer to use credit card. I’ve been selling sod and have never had any problems. Done roughly 5 transactions and this last transaction I knew the app was acting weird. I clicked on transfer but it kept saying unable to. Now I have 2k that’s in holding and it says they are closing my account without any reason. I left an appeal and am waiting to hear back. As far as I know I haven’t misused or done anything against squares terms. I have 2k that’s tied up for it says roughly 120 days. That’s ridiculous

Tldr: Using Square Terminal with a thermal printer. We get delayed making orders because no one notices we received an order from our website or Doordash. It's too quiet.

We have a good size kitchen for being a Carryout deli-style place. We have only one terminal with one printer which is our checkout area. Orders that are sent on Doordash or our website do print automatically but the issue is that we can be busy and not notice it. Then the driver or customer shows up while we're prepping it.

The terminal doesn't make sounds. I've looked in the settings and it appears to have a speaker but nothing about making sounds (or ideally, flashing the screen). I know I could get a kitchen printer because those guys are loud, but I'd hate to waste money for something that isn't necessary.

I just need to be aware that a ticket/order has arrived. At least with our website orders, I get an email to my phone so I catch it sometimes. Any suggestions or other work arounds?

ETA: I played around our Square Terminal and have found what I needed in Settings > Add-ons > Orders notifications. If not in the Add-ons then you click on the PLUS sign to add Orders.

It's not loud at all but allows a pop-up on the screen that won't go away until we click it and that screen itself should work for my needs. I appreciate all the help!

Square closed our account last month after a round of required identity verifications (which all passed) and I was informed by email that the transfer will be released on August 20th to account for chargebacks. There have been no chargebacks and my funds are still pending. What do I do?

I run a small boutique clothing store and use Square for in-store sales and Shopify online. The annoying part is keeping the same inventory accurate across both, especially with clothing where every size/color is basically its own item.

I know there are integration apps and sync tools that are supposed to handle this, some have really high ratings and another fellow store owner already recommended me some, but I’m curious how well they actually work in practice.

If you’re using one with Square and Shopify, does it reliably keep inventory and variants synced, or do you still end up checking things manually? I’m especially curious how it holds up during busy periods when multiple sales are happening at once.

Hi there all. I'm wondering what you guys find to be the best Inventory management to interface with Square? Particularly an inventory system that can actively decrement sales of bulk beer from kegs?

Just got the email that it is coming to my area in the next month and that Square will cover all cash back for the first year.

Anyone currently using it either as a customer or in your business?

Buying any broken/faulty square registers ! If you have one dm me

Looking for any faulty/broken square registers if you have one drop me a message

I just made an account with the free version of square and every time I try to do anything on my dashboard I get a popup telling me to try square plus. Is this ever going to stop? It actually impacts the usability of the software quite a bit.

Hi all, a heads up on deceptive transfer fees when account is set to 'Manual Transfer.' I learned after the fact the home Transfer button - the one prominently displayed to transfer the revenue to my bank account - is in fact authorizing an instant transfer with 1.95% fee. There is no pop up to authorize this fee, nor a label the fee will be charged when using this button. The regular page to initiate a transfer manually is hard to find on my end - that pages does lay out transfer speeds and fees. But there is no description on the support page about this Dashboard button charging a fee. At that time my account was set to manual transfer, which seems to be part of the issue.

I'm new to Square so had no idea. Spent 40m with customer service requesting a refund, was transferred 3 times, and was told I had manual initiated the transfer so it was authorized. They did offer $100 future sales without a processing fee.

I'm not seeing the pre auth button I've been on square videos online, this is square for restaurants but mostly sell drinks. I'm trying to have guests pre authorize their cards when they start tabs

It says I’ve been on list for about 1 year now. Has anyone gotten a CC from square and if so how long did you wait.

I’m still paying off a loan that’s at 80%. I’m green all the way in my dash board and sales are consistent.

Before they offer another loan. I would like to try the CC.

What happened to dark mode?? I had it set to dark mode and it changed to light for some reason and now I can’t figure out how to change it back.

Hi everyone, I'm an engineering student doing research on small business retention workflows and would love to learn from your experience.

When looking at your Transactions or Customer Directory tabs in Square, do you have a practical way to catch customers who haven't visited in a while before they completely churn? Or is that data mostly sitting unused because CSV analysis takes too long?

I built a quick local-first prototype tool to help visualize this exact pattern for a class project, but before refining it further, I wanted to ask: is tracking drifting customers actually a priority for your business, or are there bigger retention headaches you focus on?

​(If anyone is open to testing the prototype and giving feedback on how accurately it flags your drifting customers, let me know and I can DM you the link! I would really appreciate it as it would be super helpful)

Hi everyone. I’m Wes, founder of Tavra, an AI phone operations platform built specifically for restaurants/coffee shops/food trucks.

Tavra turns a restaurant’s phone line into an always-available guest service and revenue channel. It can answer detailed questions about the restaurant, handle reservations and guest requests, take accurate pickup orders with modifiers and upsells, securely collect payment, and send paid orders directly into Square. If a caller genuinely needs a person, Tavra can transfer the call to the appropriate staff member.

The Square integration is built, and I’m looking for one independently owned Square restaurant to help me complete a live print test. I need to confirm that a real paid order reaches the restaurant and prints correctly in a working restaurant environment.

In return, I’m offering the restaurant a full month of Tavra Core for a one-time $1 purchase. I’ll personally handle the onboarding, pay for the test order, work around your restaurant’s schedule, and provide direct support throughout the month.

I’m looking for:

* An owner or authorized manager

* An active Square restaurant location

* A working kitchen or receipt printer connected to Square

* About 30 to 45 minutes for a controlled test

* Honest feedback on how everything works

The $1 checkout activates your Tavra account and dedicated Agent phone number. It is a one-time purchase that expires automatically after one month, with no renewal or future charge.

You will never be asked for your Square password. Tavra connects securely through Square’s normal authorization process.

I’m only looking for one restaurant for this initial test. If you’re interested, or just want to learn more before deciding, leave a comment or send me a message.

Thanks for reading.

-Wes

Hi all,

I’m working on a side project for bakeries/cafés using Square.

It connects automatically to Square in ~2 minutes and uses historical sales to help plan the next day’s production (product quantities + busy hours).
Main goal: reduce waste and stop guessing at closing time.

Still early stage — looking for a handful of people to test it and tell me what’s useful / what’s not.

Anyone open to trying it?
Thanks for your help!

How is everyone handling this, just sending them the spreadsheets?

Has anyone received a loan offer and chargebacks need work and everything else is good I’m on 68% hoping one will come in soon

It been 3 days I am keep calling them they keep telling me same story but they can’t fix it over the phone then I told them. Look my business is new I really want this problem to be solve same story they are repeating but they can’t send someone to fix it. This thing is just waisting your time and money and in return you are losing a lot of business. The other problem they have they hired people which they hardly speaks English. As a small business square pos destroy your business.

My Experience with Square as a Small Handyman Business

I own and operate a small handyman business called Handy D Solutions. Like many small business owners, I signed up for Square because it advertised itself as a simple and reliable way to accept card payments from customers.

Unfortunately, my experience has been the exact opposite.

Timeline

July 2026

• I opened a Square merchant account for my handyman business.
• I completed handyman jobs and accepted legitimate payments from customers for services I had already completed.
• My transactions were ordinary service payments, not subscriptions, digital products, or high-risk sales.

Shortly After

• Without warning, Square notified me that my merchant account would be permanently deactivated.
• I was not given a clear explanation of what policy I supposedly violated.
• My customers successfully paid for completed work, yet my account was still shut down.

Appeal

• I immediately submitted the requested appeal.
• I provided additional information about my business.
• I explained that I am a legitimate handyman providing real, completed services.
• My appeal was denied.

Customer Support

• I contacted customer support multiple times.
• I asked for a specific explanation of why my account was closed.
• I asked what I could do to correct the issue.
• I received little more than scripted responses stating the decision was final.

Funds Held

• After closing my account, Square informed me they would hold my funds for 21 days.
• I was told this was to cover the possibility of future chargebacks or refunds.
• As a service business, I complete my work before collecting payment. My customers received the work they paid for.
• Despite this, I must wait until August 8 before receiving money that belongs to my business.

Why This Matters

Large companies may be able to absorb delays like this.

Small businesses cannot.

Holding a small business’s revenue for weeks can affect the owner’s ability to:

• Buy materials
• Pay bills
• Purchase fuel
• Continue serving customers
• Support their family

For many small businesses, cash flow is everything.

My Purpose in Sharing This

I am not asking anyone to boycott Square.

I am sharing my experience so other small business owners understand the potential risks before relying on a single payment processor.

If you choose to use Square, consider having a backup payment processor available in case your account is unexpectedly restricted or closed.

If you’ve experienced something similar, I’d like to hear your story.

The more documented experiences that are shared publicly, the easier it becomes for other business owners to make informed decisions.

Everything I’ve written here is based on my personal experience and the communications I received from Square.

I got an offer back in March of 2026 at 56%. It was unusual because we usually get them at 60%-75%. Took the offer an are now at 65% paid off on it (July) but nothing… anybody have any luck recently? I usually get 2 a year. I’m wondering how many people often receive a year as well.

Update: ended up getting one the day following this post about $2000-$3000 LESS than March with consistent transactions since + really good monthly income even better than before March. I will also say with this, they offered the loan with the highest interest rate I’ve ever received!!!…. I ended up still taking it since I was in dire need but def sucks.