I've had a very similar issue. It feel like if your sale vary by more than a few thousand per month, they don't want to lend to you. I had my last Loan March 6, 2020, just before covid hit. In spite of them doing a system wide no payment period, I still paid it off within 2 months. I have been unable to get a loan since... never paid a loan payment late, always paid the loans back within 2 months instead of 6. I've contacted customer service and just told they have no control or info as to why I am denied since it is a totally automated decision with the exception that my sales It is really disheartening....
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