Yes, it is a decline in sales. It's kind of goofy they do this but it is completely automated. It has nothing to do with paying off the loan or even multiple loans. So if you have a balance and you want to pay it off don't it doesn't guarantee you another loan. The reason its goofy, was the first loan we bought inventory and sold it all paid the loan of way sooner because of the sales. The second loan was $3,000. Bought a bunch of inventory sold it all sooner than later, then got a $10,000 loan because of our increased sales. So then I did not buy any inventory from any other source because of how well things were going with Working Capital. So I was running low on inventory after about 4 months from the original $10,000 loan date. So sales declined on the 4th month while I still had a balance of $1,800. So in my wisdom and brilliance, I decided to pay the entire balance of $1800 off because we were about to purchase a large amount of inventory for the next loan. When I applied, I receved the 650 Code. I called and that was the reason they gave me my sales declined. I told him of course it did , I ran low on inventory and most of the sales from that loan was in the first 3 months but the 4th it declined. Hence Why I applied for another. That is the goofy part of the system. The funny thing he said though was try every other day or twice a week and you will get approved. I tried that and kept getting that 650 code. What a waste of paper and resources for the Paypal guy to tell me this so in the mail I was getting 3 to 4 decline letters from Paypal Working Capital each day for 2 weeks. So I purchased the inventory with my own money and about 2 months later I applied just to see and they gave me a $1000 loan. Sales were steady, that loan paid off. then declines again, so I have given up on Paypal Working Capital. It doesn't make sense, but I was told they do so many loans they have to have some sort of systems to regulate. Hope that helps.
