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Square Capital Funding

Business Loans


unsecured business loans

Get Your Cash in 1 – 2 days!!

Business Loans

Get the funding your business needs in less than 24 hrs! Plan include no fixed payments, making repayment a breeze. Payment are made base on a small percentage of your business total sales allowing you to focus on other important things, your customers.

Loan Requirements:

  • Minimum 500 Credit Score    
  • Business must be open minimum 3 months
  • Business must generating income minimum $8,000 a month
  • Require last 3 months of your business bank statements
  • Loan amount based on business cash flow
  • Funding range: $2,500 – $2,000,000
  • No fee!! We do not charge any fees for this program
  • Cash deposited in to your bank account
  • Approval in 1-8 hours, Money ready in 1-3 business days

Apply here Business Loan Application

Let’s see some FAQs:

Q: How does your Business Loan program work?

A: We offer business financing with flexible loan amounts and fast loan process. Qualifying is very simple. We ask for a 3 months of your business bank statements. We don’t care about your personal credit history; we focus on your business. We have 3 months up to 5 years repayment plan.

Q: Are you going to check my credit?

A: Yes, but we lend base on your business cash flow not your personal credit.

Q: Does my business qualify for a Business Loan?

A: If your business is running for over 90 days with at least $8,000 in bank deposits per month, you qualify to apply for a business loan.

Q: How can I use the capital when I receive it?

A: Any way you like. You can purchase additional inventory, advertise, expand, pay debt, payroll, renovate or down payment for your real estate investment. It is completely up to you.

Q: How much will I get?

A: Through our business loans, you may receive $2,500 – $2,000,000 based on the revenue generated by your business.

Q: Can I pay off the loan early without being penalized?

A: Yes, unlike traditional money lenders, we don’t charge a pre-payment penalty at any time. If payoff early you will get discount 8-10% of the repayment amount.

Q: When will I get the money in my account?

A: If everything is in place, you will receive the funds in as little as 24-48 hours from when you complete the application.

Q: Can I get more money down the road?

A: Absolutely, once you get funded the first time, we begin building a relationship with you. This enables us build your business credit with us in order to provide you with more funding when you need it most.

Q: I’ve been denied by my bank before. Can I still get a loan?

A: Yes, our system judges businesses differently than the banks, with a focus on your business cash flow instead of personal credit scores or collateral. This means that we can lend to many businesses who may have been denied by their bank.

Q: What business industries do you work with?

A: We work with over 250 different kinds of businesses. We make loans to restaurants, auto repair shops, retailers, doctors, beauty salons, construction companies, real estate and many other service providers. All industry can be accepted.

Q: What fees are you charging? There is any upfront fee?

A: We do not charge any upfront or any back end fees, we do not charge any fee’s!!

Q: What is the interest rate?

A: There is not simply interest rate, for this business loan program we calculate interest different way; for $1 borrowed you have to pay back $1,10 – $1,18 depends of your business condition and loan term.


83 comments… add one

  • Henry Bracey

    There is a very successful daycare business that is cash flowing. I would like to purchase it. How can we discuss this further?


    • Hi Henry,

      To qualify for business loan, you have to have open current business generating income, we lend base on your current business cash flow.


  • Dawn Hawkins

    I have an opportunity to buy A Heath-food store and deli and 5 units of commercial rentals but I need help with the down payment, can you help me?

  • Todd

    Im trying to buy a liquor store and building. I am short a substantial amount for the down payment. Amount of the entire purchase is 650k. If you can help that would be great. I would even consider financing the whole thing with you. I am a veteran if ghat helps anything.

    • Hi Todd,

      I can’t finance whole thing because I do not have real estate funding for commercial, but I can help with down payment. Do you have current open business generating income?


  • Rebecca

    I was looking to find out about down payment assistance. How would you be able to supply information about the business being open for the minimum of 3 months and the bank information for 3 months. We are wanting to open the business not proceed with a current business and need additional funds.


    • Rebecca,

      We lend only base on current open businesses cash flow. We don’t do “start ups”


  • I am seek payment assistance and with credit is in the 500. My goal is to use the funds to purchase a current cash flow business that gross over 2 million due a flag gross and inside the hotel a water park for year around entertainment. I can repay the loan and your fee on the loan in for your fee for your service. I am not a dreamer , I am a serous investor with my own market and management staff. I am looking for a reply

    • Hello Harold,

      To get qualify for a business loan, you have to have business generating income. You have to own this business today. We lend base on your business monthly cash flow. We do not lend for new businesses purchase.
      There is no fee for business loan.


  • Ranndy Winograd

    Martin, I don’t understand the repayment terms. Please clarify.

    Q: What is the interest rate?

    A: There is not simply interest rate, for this business loan program we calculate interest different way; for $1 borrowed you have to pay back $1,10 – $1,15 depends of your business condition and loan term.


    • Randy,

      Its simply: if business cash advance with daily ACH than for each dollar what you get, you have to pay back around $1,10.
      If regular business loan with monthly repayment plan, than 7% – 10%


  • rod

    how can I find out you’re a legitimate company?

    • Hi Rod,

      Because I working for free for customers, without upfront or back end or any fee’s, I believe this mean enough security and make my service extremely legit.


  • Gerald Nimberg

    Would like to refer business to you.
    Do you offer referral fees?

    • Hello Gerald,

      Yes, we offer 50/50
      Please contact me by email, I will send you Partner Compensation Agreement,


  • Rado

    Can the funds received be used to pay off an existing advance?

  • Hjean Wms

    Martin, I am awaiting your confirmation and application form for clients, regarding 50/50 referral.


  • Stacey

    Can you tell me, this sounds like a merchant cash advance. Is the deciding loan amount based on the monthly sales or annual sales and at what percentage?

    • Stacey,

      Both, base on monthly and annual cash flow. We can lend up to 70% of gross income.


      • Stacey

        So, if your business has average deposits of $300k, how much
        loan would you qualify for?

  • Stacey

    No, my business makes $300k a month. So how much would I qualify for?

  • yogesh

    dear martin,
    my friend is in the business of scrap from last 3 years in aurangabad,India.
    is he eligible to avail business loan from your programme?

  • I have secured an LOI from a hard money lender for the acquisition of a large property with several income streams. I need the earnest money payment for the hard money, as well as some interim capital. Do you do this kind or loan, and if so, what are the parameters?

    • Randall,

      Yes, we do. To qualify for this type of loan you have to have open running business generate income. We lend base on your business cash flow, please let me know if this is something you be interested, thanks


  • Rhonda jones

    I have a capital loan.
    I’m almost done paying it. When can I borrow again?

  • I have a Tax Consulting business which will gross about 193K this year but my sales have drop tremendously. I am looking for a loan of around 35K until the first of the year once things pick back up. So in other words I need a 9 month loan to sustain with the current client based and to pick up more to move forward until the first of the year. Can you help

  • Nicholas

    I am looking at buying a horse boarding facility the business is in my name I need the down payment of 65,000 what is the longest term to repay

  • Grayson Jacobs

    Martin, I am sending my loan app right now along with 4 months of bank statements. I am a sole proprietor and although I do not have a separate business account, my DBA is on my checks and associated with my accounts. Is this going to be a problem?

    • Grayson,

      Bank statements must be on business name, we can’t underwrite business loan base on bank statements on your name. Also you have to have Tax ID EIN number for your business.


  • Matt

    I have a current loan with square and have been paying it off over the last 3-4 months. I generate a very steady cash flow and have for the last 2 years. I am wondering if there is an opportunity to apply for additional money to be added to my current loan, a second loan? I have this one almost half way paid off, and I have a few needs for the business at the moment and that would be a huge help. What is the process if so?

  • Linda

    It says you don’t worry about the past credit but in the requirements say min of 500 credit score. Is that with any of the credit reports or all three min 500.

    • Linda,

      For business loans minimum credit score with all 3 reports must be 500


  • Scot Decker

    I am looking to purchase a marina. A local bank will do 80%. Need help with the down. Is this something you can help with? Have an appraisal dated June 2015 on property. Includes RE & business personal property

    • Scot,

      I can help. To qualify you have to own open running business generating min. $8k business revenue a month, let me know.


  • Emily Carroll

    Needing help with down payment on a business loan. We are needing 20% of the 405,000 we offered for a successful business that’s been open since 1972. Is this something you do?

    • Emily,

      Do you have current open running business generating monthly income? We need min. $8,000 in business revenue to qualify for any business financing.


  • Lucas zona

    I own a small vapor store. Business is doing good, but I need inventory.. I have used square since April 1st.. Square knows every transaction.. I asked for $2100.. I have had up to $1300 deposit and smaller deposit.. My inventory slowly started to slim down After paying for cost of operations, (rent, utilities, payroll, and a few other non revenue) my start up money slowly started wearing down to not having much inventory and because of that, business has slowed down.. No customers come in when you don’t have any thing to sell.. I hope I qualify.. I really need the help.. Thank you for taking the time to read this..

    • Hello Lucas,

      To get qualify for business loan your business income must be minimum $8,000
      Please let me know your monthly gross revenue?


  • I don’t deposit all of my business cash flow into my business account because some of my business debt I pay in certified fund, rent, energy, etc. can you base my cash flow off my income statement provided by Square Up?

    • Hello Helen,

      We lend base on business revenue and we need business bank statements for underwrite the loan. All income what is on bank statements will be taken as a business income.


      • Helen

        I guess what I’m asking is can I submit my square income statements to support my bank statements. My business income exceeds $6000, however, many of my customers pay in cash which I don’t deposit all into the account Because I have some bills I pay in secured funds

        • Helen, minimum income what we have to see on business bank statements is $8,000 each month


  • Mr. Collins

    Im interested in utilising the program for 10% of the purchase a business (SBA loan available on the remaining 90%, how do we further the conversation?

    • Hi Mr. Collins,

      Thank you for your interest. To get qualify for down payment assistance or business loan, you have to have open business generating income. We lend base on business revenue only. Minimum business cash flow to qualify is $8,000 monthly,


      • Mr. Collins

        Thanks, the business i seek to acquire meets the criteria, will that suffice or do i need to already be the proprieter?

  • amanda

    how do i send in an appilcation?

  • John

    Do you need to have a Business bank account? or can I use my personal account which is what I use with my square set up. My credit score is 690 and I make and deposit more than 5000 per month


    • John,

      To qualify for business loan we need last 3 months of your business bank statements,


  • Martin,

    I submitted an application to martin@squarecapitalfunding.com
    Please let me know that you received my application.

    Warm Regards,

    Rich Chiniquy – Owner/Operator
    Rich’s Carpet Cleaning Plus
    Pleasant Grove, UT 84062
    (801) 687-1709

    • Rich,

      Thank you for your submission, will be processed tomorrow morning,


  • I currently am paying square back on a regular basis, but I need another plow truck. Can I ask for more help or do I need to pay square back in full first?

  • Jay

    Is this the same program as square capital?

  • Omar

    Hello I own a small Daycare here in NY and I buy my own house programming for next year. This is my first year working in my own business, my question is, you have some program for me because I am interested in buying a home and have some help or down payment assistance.

    • Hi Omar,

      To qualify for down payment assistance you have to own a business with min. $8k monthly income. Let me know,


  • Ellen Tomiye

    I was skeptical at first. I have been using Square since June or July this year when my credit card machine from my bank stopped working and I would have to purchase another at $300+. A few weeks ago, while wondering how I would be able to make ends meet and surfing the net I remembered the Capital link on my square account. I was offered 3 different amounts and I clicked the one that I felt would help. The next day, the money was in my bank account. See, I own 2 small takeout soul-food restaurants and the Holiday time is slow and after the Holidays go, the snow and road closings start here in Virginia start-due to the snow. Anyway, as I said, I was skeptical at first but I was wrong. To me it as if someone gave me money because I don’t miss the few dollars that come out at the end of the day. Square reader was the best decision that I have made when it comes to credit card processing. For instance, I have been in my first restaurant for almost 9 years, a few months back I applied for a minimum loan of $1000.00 through my business and was denied. What’s worse is the fact that I have been dealing with them this entire time 2 business checking and 2 business merchant services accounts and they wouldn’t loan $1000? They take pride in knowing their customers right? but they knew me and didn’t loan, Square doesn’t know me but they helped with a lot more than $1000! I thank square for helping me. Please don’t think I am a friend or employee with square. This is real and my advice to anyone in a contract merchant processing deal, Run! as soon as the contract ends, Run! Square is the bomb!!!!

  • Marques Pardue

    I just wanted to be clear, your business funding is based off of the monthly income not yearly correct? I’m just trying to determine if you are a revenue lender (royalty) or cash advance.

  • kareema brown

    do you work with brokers? if so can you email me any documents and/or applications.

    Thank you

  • Hello I am on my second business loan and the first one I got half way and they gave me more . I am now halfway thru my second one and wanted to see if I can borrow more. I been in business since April and HV made 23000 so far so I know I can pay it off. Anyway u can tell me what I should do.
    Thanks in advance

    • Ashley,

      Please send me application and last 3 months of your business bank statements,


  • Emily

    I have a little over 300.00 left on my square loan that I’d like to pay off early in a lump sum and get another loan through square. Am I eligible and how soon could I do it if I was?

  • I have had my business for four months. The first month did nothing, the second did $28,000 in one deposit. The next month did the same. $28,000 one deposit. This month I’ve deposited $2300 so far. Do I qualify? And if so for what amount?

  • If I need extra cash to buy a tent for my trade shows…is it possible to do so, before my first loan is paid in full?

    • Yes, please send me application and last 3 months of your business bank statements.


  • sonia


    Do you land ( Down Payment) for Mobile Home Park also?

    • Hello Sonia,

      Yes, we can help with down payment for Mobile Home Park. To qualify, you have to have open running business generating at least $8,000 gross revenue a month.
      Let me know if you are interested,


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