I have the exact same issue. Everything my business and PayPal business account is great - upward, consistent growth for years, no returns, disputes, fast shipping, if you put everything on a graph it would be a steady incline at any given point in time since 2016. I have had 2 working capital loans in the past via PayPal, and 2 through Shopify which was linked to the same PayPal acct, yet for literature past 2 years I keep getting denied from PayPal for another work capital loan. CS really is of no help and can't provide any answers nor any constructive help. My numbers and patterns literally couldn't be any better than they are, so it doesn't make any sense. All I can think of is that maybe they're looking at WHAT is being sold now and flag certain categories. That's my best guess.
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