Revenue-based financing for Square sellers
Get started at Block (Square) → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Retail, restaurant, and service businesses using Square POS
Square Loans — Revenue-based financing for Square sellers Best for: Retail, restaurant, and service businesses using Square POS. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Square Loans is built for retail, restaurant, and service businesses that already process sales through Square POS. Because it's revenue-based financing underwritten from your Square sales data, it fits established Square sellers with a few months of sales history rather than businesses outside the Square ecosystem.
Square Loans is repaid as a percentage of your Square sales, so the amount automatically flexes with slow and busy periods. Pricing is set as a factor rate rather than an APR, so it's worth translating that factor rate to an APR before comparing it against other offers.
For established Square sellers, funding typically arrives in 1 to 3 days. A key advantage is the platform-native underwriting: Square draws on your existing sales data, so there's no separate external application to fill out.
You'll need to be an active Square seller with a few months of Square sales history. Square uses that sales data to determine eligibility and any offer — specific terms vary by your business, so confirm current details with Square.
A factor rate is a flat multiplier on the borrowed amount, not a time-based rate, so it can look cheaper than it is once repayment timing is factored in. Use the factor-rate-to-APR tool on this page to convert it before comparing Square Loans to APR-quoted options.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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