It's totally random and frankly makes no sense. I have had 5 or 6 loans over the years since they were introduced and from best I can tell, for businesses that have busy seasons followed by slower times in the year, get the biggest loan you can get right at the end of your busiest time of year and then stretch out paying it back until the busy season comes again. Just from observation, when you have a high volume of sales, they will always grant you the loan, but when things have been slow for a month or so, they deny you. It has nothing to do with your history of successfully paying back previous loans.
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