Square Cash Advance
A revenue-based advance offered directly to Square card-payment merchants, sized against actual Square sales and payment frequency rather than a credit application. Repayment is a percentage of ongoing card sales, not a fixed schedule, and there is no personal guarantee requirement. Only available to businesses already processing card payments through Square, and offers are invitation-based rather than something every applicant can request on demand.
Quick routing verdict
- Product: Merchant cash advance (revenue-based).
- Ticket band: Not published; offer size is data-driven per merchant.
- Decision time: Days once an offer is made.
- Pricing: A single funding cost, not an interest rate; disclosed per offer.
- Soft search at quote stage: no credit-file footprint.
At a glance
Square Cash Advance, at a glance
- Legal entity
- Block, Inc. (Square is a Block brand)
- Product
- Merchant cash advance (revenue-based)
- Ticket range
- Not published; offer size is data-driven per merchant
- Decision time
- Days once an offer is made
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-09-01
Why we route here
- No personal guarantee and no credit-score-based decision; underwriting runs off real Square sales data.
- Repayment scales with card sales, so it eases off automatically in a slower trading period.
- Sits alongside Square Loans (a traditional term option) for merchants who want a fixed-repayment alternative instead.
When we route elsewhere
- Offers are data-driven and invitation-based rather than open application, so eligibility is not fully in the applicant's control.
- Only available to businesses processing card payments through Square, not a general-purpose lender.
- No published rate card; the funding cost is disclosed only once an offer is generated.
Best fit applicants
- Existing Square card-payment merchants wanting revenue-based funding against their own sales data
Where Square Cash Advance is the wrong fit
- Businesses not already processing payments through Square
- Applicants wanting a guaranteed, on-demand application rather than an invitation-based offer
If declined by Square Cash Advance
If your application to Square Cash Advance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our guide to why lenders decline, matched by reason.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Square Cash Advance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Square Cash Advance?
Square Cash Advance offers merchant cash advance (revenue-based). Ticket range: Not published; offer size is data-driven per merchant. Typical rate: A single funding cost, not an interest rate; disclosed per offer.
How long does Square Cash Advance take to decide?
Days once an offer is made Checking eligibility uses a soft search, so it does not affect your credit score.
Who is Square Cash Advance the best fit for?
Existing Square card-payment merchants wanting revenue-based funding against their own sales data
When would FundBiz route you away from Square Cash Advance?
Businesses not already processing payments through Square Applicants wanting a guaranteed, on-demand application rather than an invitation-based offer
Run the matcher
Tell us your turnover, sector and ticket size. We score against Square Cash Advance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Official site: Square Cash Advance
Last reviewed: 2026-09-01. By Adam Parker. Reviewed by Oliver Mackman.