Small business are just that: small. It takes time that they don't have to go through the normal loan application process. Square wins because they already kno

Small business are just that: small. It takes time that they don't have to go through the normal loan application process. Square wins because they already know its a good bet. The merchant wins because they don't have to spend time on something other than their core business (which is probably why they chose Square in the first place).