Square — SME finance eligibility guide
Square Loans offers short-term financing to eligible UK Square merchants based on processing history through Square's payment platform.
- Official site:
- squareup.com
- FCA reference:
- 990637
- Companies House:
- 08957689
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
- Amount range
- £100–£250k
- Security / PG
- Security posture not consistently disclosed
- Speed
- 1–2 business days
Data confidence
Medium confidence. Some figures on this page are summarised from public sources but not always disclosed in full by the lender. Confirm specifics with the lender before applying.
Some details are not publicly disclosed by Square — verify directly before applying.
Products Square offers
A summary of the Square products tracked in the Lendrly database. Criteria can change and published ranges may differ for individual applicants. Always confirm with the lender before applying.
| Product | Category | Amount range | Min trading | Security / PG | Speed | Confidence |
|---|---|---|---|---|---|---|
| Square Loans | Merchant Cash Advance | £100–£250k | Not disclosed | Not disclosed | 1–2 business days | Medium |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of Square's products. This is educational guidance only and is not a quote or guarantee of approval.
Square Loans
Merchant Cash Advance
Source: View Square's Square Loans page on squareup.com ↗— Square Loans UK eligibility page.
Who Square's Square Loans may be suitable for
Square's Square Loans may be a possible fit when Existing Square sellers; based on processing volume and account history. Typical signals include card/pos/platform revenue; b2c or merchant-led sales; working capital need.
Common blockers
- No card/POS/platform revenue
- Not an existing platform merchant where platform-specific
- Restricted sectors
Repayment
Square structures repayment as: sales-linked repayments.
Speed to funding
Square indicates speed to funding around: 1–2 business days. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Square does not publicly disclose security or personal guarantee requirements for this product. Verify directly with the lender.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with Square. This is not a ranking and not a recommendation — eligibility, pricing and underwriting can differ substantially between providers. Review each lender individually.
Related guides
Educational explainers that pair well with Square's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as Square.
Keep exploring
Move up to broader categories, drill down to a specific sector, or browse related tools at this level.
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
Square — data sources
Lendrly summarises publicly-available information from the lender pages listed below. Criteria can change without notice — always confirm directly with the lender before applying.
- Square — Square Loanssquareup.comSquare Loans UK eligibility page.
What this page is — and isn't
- Is: a plain-English summary of Square's published eligibility signals, security posture, speed and product mix — written for UK SMEs trying to understand their funding options.
- Is not: a quote, a rate offer, an indication of approval, or regulated advice. Lendrly does not submit applications and is not a regulated credit broker.
- Always: confirm criteria, pricing and product availability directly with Square on the official Square site before applying.
Frequently asked questions about Square
- What is the minimum trading history for Square?
- Square does not publicly disclose a minimum trading-history requirement. Some products may still favour established businesses — check directly with the lender.
- Does Square require a personal guarantee?
- Square does not publicly disclose personal guarantee requirements in a consistent way. PG is common across UK SME finance and may be requested — verify directly with the lender.
- What speed to funding does Square publish?
- Published speed indicators for Square include: 1–2 business days. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is Square's minimum and maximum facility size?
- Across the products Lendrly tracks for Square, the published amount range is approximately £100 to £250,000. Individual products may sit within narrower bands — see the products table on this page.
- What is Square's published position on CCJs and adverse credit?
- Square does not publicly state a position on CCJs. UK SME lenders typically assess CCJs case-by-case, and unsatisfied CCJs are commonly a blocker. Check directly with the lender if this applies to you.
Check whether Square's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including Square's. Educational guidance only — Lendrly does not submit applications on your behalf.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.