Side-by-side comparison of funding range, qualification requirements, speed, and documentation. All competitor facts cited from Square Loans's publicly stated requirements as of May 2026.
| Criteria | Prime Restaurant Capital | Square Loans |
|---|---|---|
| Funding range / Maximum | Up to $5,000,000 | $250,000 (eligibility-based) |
| Minimum monthly revenue | $15,000/mo | Square processing volume required (no public minimum) |
| Minimum credit score | FICO 500+ | Soft pull only |
| Minimum time in business | 6 months | Several months on Square |
| Speed to funding | 24 hours | 1-3 business days |
| Documentation required | 3 months bank statements | Square processing data only |
| Collateral required | Not required | Repayment via percentage of Square sales |
| Products offered | Working Capital, LOC, Equipment, Term Loans, Revenue-Based, SBA | Square business loan (only) |
Square Loans (Square Capital) offers working capital loans to businesses processing payments through Square.
Important constraint: Business must already process payments via Square.
Source: https://squareup.com/us/en/loans
5-minute application. Soft credit pull (no impact). Decision in hours, funded in 4.
Apply Now →Comparison facts about Square Loans are sourced from https://squareup.com/us/en/loans and other publicly available materials as of May 2026. Information may have changed since publication. Square Loans is a registered trademark of its respective owner; this page is an independent comparison and is not affiliated with or endorsed by Square Loans. Loan terms, rates, and approval criteria for Prime Restaurant Capital vary by application and underwriting; see /apply/ for live qualification.