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Last Updated: 06/21/2025

Square Capital Small Business Loans

in Business Loans from Block Inc

Last Updated: 06/21/2025

Square Capital Small Business Loans logo
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Amount Range

$300 - $100,000
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APR (Fixed APR)

30% - 35%(Verified 06/21/2024)
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Loan Term (Months)

3 - 18
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Square Capital Small Business Loans Review

Square capital is a business financing offering by Block Inc, based in San Francisco, CA. Founded in 2009, Block Inc offers access to small business loans in 22 states across the USA.

Square capital FAQ

What are Square capital rates?

Square capital offers a fixed APR business financing product that ranges from 30% APR up to 35% APR.

Does Square capital charge an origination fee?

Yes, Square capital charges a loan origination fee .

Does Square capital charge prepayment fees?

No, Square capital does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the business loan off early.

How much can you borrow from Square capital?

Business loan amounts start at $300 and go up to $100,000.

What is the maximum business loan term you can get with Square capital?

Square capital offers small business loans with terms ranging from 3 to 18 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for Square Capital Small Business Loans?

Square Capital Small Business Loans requires companies to be in business for at least month
Applicants with a credit score of at least 350 and up to 850 may be eligible for Square Capital Small Business Loans.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Square Capital Small Business Loans.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Driver's license or other government photo ID
  • Proof of citizenship or residence permit
  • U.S. tax identification number

What is the estimated funding time for a business loan via Square capital?

Square capital can fund small business loans within 2 business days.

Does Block Inc perform a hard credit pull?

Yes, Square capital performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Square Capital Small Business Loans Disclosure: Only businesses that take Square payments qualify for a business loan.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

1455 Market St STE 600
San Francisco, CA 94103
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